Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
ADIB - Etihad Guest Gold Card ADIB - Etihad Guest Gold Card Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 1,000 Rate: 3.09%
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ADIB Etihad Guest Miles
As a welcome bonus, you will receive 35,000 Etihad Guest Miles – enough for a return trip from Abu Dhabi to any destination in Egypt, Jordan, Lebanon, Syria, India, Sri Lanka, Pakistan, Nepal, Sudan or Turkey! Or you can take 2 trips to Saudi Arabia, Kuwait or Tehran, or 3 trips to Muscat, Doha or Bahrain. And with every purchase you make with your ADIB Etihad Guest Gold Card you will earn up to 1.5 Etihad Guest Miles for every AED 4 spent (to a maximum of 100,000 Miles per month). What’s more, with the unique “Miles plus Cash” feature of Etihad Guest, you can travel to any destination on the Etihad Airways network.

Free Companion Ticket Voucher
When you spend AED 150,000 or more with your ADIB Etihad Guest Gold Card, you will receive a free Companion Ticket Voucher to fly on Etihad Airways – to any destination – in any class of travel – anywhere in the world!
AED 150,000 eligible retail transaction must be posted in a statement before the companion ticket cycle is completed. For more T&Cs on the free companion ticket click here.

Fast Track to Etihad Guest Silver Tier
With your ADIB Etihad Guest Gold Card, experience the benefits of Etihad Guest Silver Tier even faster!
When you complete 4 return flights on Etihad within 12 months of card issuance, you will be fast-tracked to Etihad Silver Tier.

Free Airport Lounge Access via LoungeKey
Whether you need to concentrate on work or you want to relax in a comfortable environment, your pre-flight experience makes all the difference to your journey ahead.
Now your ADIB Etihad Guest Visa Gold Card opens the doors to over 850 VIP airport lounges across the globe! 
As an ADIB Etihad Gold Card holder you will be eligible for 2 free visits per year.

Roadside Assistance package includes:
  • Free Unlimited City Limit Towing Services
  • Inter Emirate Towing limited to 3 times in a year
  • Free Jump Start Services
  • Free Flat Tyre Service
  • Free Lock Out Service
  • Free Fuel Delivery Service
  • Free Transportation service for Vehicle Registration once a year (within the same city)
  • Free Rent a car for 24 hours (NORMAL CAR) in conjunction with an accident
  • To avail roadside assistance service please call 800-4662
  • Welcome ​bonus of 35,000 Etihad Guest Miles – the highest of any travel card in the Middle East!
  • International Non-AED Transactions: Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Silver Tier
  • Pay your ADIB Etihad Guest Covered Card Annual fees using 30,255 Etihad Guest Miles
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
Additional Information
Required Documents:
  • Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from the current employer (not more than 30 days old
  • For nonsalary transfer customers, the minimum salary requirement is AED 10,000.
Representative Example
If you spend AED 1,200 at a purchase profit rate of 18.9% (variable) your representative APR will be 18.9% (variable).
** 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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