Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
ADCB Islamic - Etihad Guest Infinite Card ADCB Islamic - Etihad Guest Infinite Card Minimum Salary: AED 40,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 0 Rate: 3.69%
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A wonderful journey lies ahead

Limited Period Welcome offer till 5th September 2023: 150,000 promotional miles for UAE Nationals, 120,000 promotional miles for expats. Minimum spend required AED 75,000
  • Up to 3 Etihad Guest Miles Per USD 1 spent
  • 1 Tier Mile Per USD 1 spent
  • Monthly 5,000 Bonus Etihad Guest Miles
  • Up to 4 class upgrade vouchers
  • Transactions exceeding the assigned limit of the card will not earn Etihad Guest Miles during that month.
  • Tier Miles will be capped at a maximum of 50,000 miles per annum.
  • An annual fee of AED 2,625 (inclusive of VAT) is applicable. Excellency members will receive a 50% discount on the annual fees.
  • Revised Etihad Guest Miles earn rate is effective
  • Earn Etihad Guest Miles on all your purchases
  • Monthly Bonus Etihad Guest Miles
  • Earn Tier Miles on your purchases
  • Mobile App and Internet Banking
  • Convenient payment options
  • PayOrder Facility
  • Balance Transfers
  • Easy Instalments
  • FlexiPay
  • Purchase Protection
  • Extended Warranty
  • Fraudulent Card Misuse Protection
  • Credit Shield with complimentary life cover
  • Control of your card transactions and set spend limits
  • Complimentary golf access
  • Buy 1 get 1 free at Caribou Coffee
  • Visa xperience with the ENTERTAINER offer
  • Dining and lifestyle discounts
  • Global concierge service
  • Etihad Guest Gold Tier membership
  • Etihad Guest Gold benefits
  • Complimentary flight upgrade vouchers
  • Complimentary airport lounge access
  • VISA luxury hotel collection privileges
  • Multi-trip travel insurance
  • Avis Rent a Car Benefits
Additional Information
  • Minimum salary of AED 40,000
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Najm - ONE Cashback Credit Card
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Najm - Platinum Plus Cashback Credit Card
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AED 7,000
Najm - Platinum Cashback Credit Card
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AED 7,000
HSBC - Cashback Credit Card
Minimum Salary
AED 10,000