Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - Etihad Guest Saqer Credit Card Emirates Islamic - Etihad Guest Saqer Credit Card Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: No Cashback: Yes Annual Fee: AED 934.95 Rate: 3.49%
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Emirates Islamic Etihad Guest Saqer Credit Card

Exclusively for UAE Nationals.
A card built on choice. Your choice.

Key Benefits

Earn Etihad Guest Miles

Up to 3 Etihad Guest Miles per USD spent.

Etihad Guest Silver Tier Status

Fast-Track upgrade to Etihad Guest silver Tier Status.

20% Etihad Guest Miles Back 

Unlimited 20% miles back on booking/upgrading a flight with Etihad Guest Miles.

Lounge access

Complimentary Airport Transfer and Lounge access

Etihad Guest Miles

Welcome Bonus Promotion

Welcome bonus of 30,000 Etihad Guest Miles upon payment of Annual Membership Fee.

Etihad Guest Earn Rates

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

Spend CategoryEarn Rates
Spend at Etihad Airline3 Etihad Guest Miles
International Spend2 Etihad Guest Miles
Two Chosen Categories2.5 Etihad Guest Miles
Domestic SpendUp to 1.5 Etihad Guest Miles

Choose your Accelerated Rewards Category

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. You can chose your preferred categories from any of the below.

  • Car Rentals
  • Dining
  • Hotels
  • Supermarkets

You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.

You also have the option to change your chosen categories every quarter by calling our call center

Earn Tier Miles:

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

Etihad Benefits

  • Fast-Track to Etihad Guest Silver Tier Status
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Complimentary Inflight wifi vouchers
  • Complimentary Airport Transfers
  • 0% Easy Payment Plan on Etihad purchases

Additional Privileges

  • Complimentary Lounge Access
  • Complimentary golf any day of the week
  • Multi trip travel Insurance
  • Extended Warranty
  • Global Assistance
  • Earn 50% cashback on Movies
  • Free Valet Parking
  • Purchase Protection
  • Balance Transfer Facility
  • Cash Advance
  • Global Concierge

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit 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 profit 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 profit rates and fee structures.
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