Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
ADCB Islamic - Etihad Guest Signature Card ADCB Islamic - Etihad Guest Signature Card Minimum Salary: AED 20,000 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: 75,000 promotional miles for UAE Nationals, 60,000 promotional miles for expats. Minimum spend required AED 50,000
  • Up to 2 Etihad Guest Miles Per USD 1 spent
  • 1Tier Mile Per USD 1 spent
  • Monthly 2,000 Bonus Etihad Guest Miles
  • Up to 2 class upgrade vouchers
  • Tier Miles will be capped at a maximum of 25,000 miles per annum
  • An annual fee of AED 1,050 (inclusive of VAT) is applicable. The card is complimentary for our Excellency members, while Privilege Club members will enjoy a 50% discount on the annual fee.
  • Revised Etihad Guest Miles earn rate are effective from 25 October 2020.
  • Transactions exceeding the assigned credit limit of the card shall not be entitled to earn Etihad Guest Miles during the month.
  • 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
  • Visa xperience with the ENTERTAINER offer
  • Dining and lifestyle discounts
  • Global concierge service
  • Etihad Guest Silver Tier membership
  • 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 20,000
** 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.
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