ADCB Etihad Guest Platinum Credit Card

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




Best credit cards with 0 Annual fee*


Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

Abu Dhabi Commercial Bank, established in 1985, has emerged as a prominent part of the country's banking sector, offering a comprehensive range of banking and financial services to individuals and businesses. As a leading financial institution in the UAE, it provides personalised solutions and innovative products to meet the diverse needs of its customers such as credit cards, loans, and more.

In this article, we will narrow down to ADCB credit cards and specifically discuss the ADCB Etihad Guest Platinum credit card. With this credit card in UAE, you can gain access to several perks such as accelerated Etihad Guest Miles earning, airport lounge access, complimentary travel insurance, and lifestyle discounts.

ADCB Etihad Guest Platinum Credit Card
Travel Discounts / Benefits
  • Minimum Salary AED 8,000
  • Annual Fee 1st Year Free
  • Welcome Miles
  • Etihad Guest Miles on spend
  • Complimentary Class upgrades
  • Free for 1st year
  • Complimentary Lounge Access
  • Dining Discounts
  • Travel Discounts / Benefits

Features and Benefits of ADCB Etihad Guest Platinum Credit Card

The key features and benefits of the ADCB Etihad Guest Platinum credit card are as follows -

Welcome Offer

  • The ADCB Etihad Guest Platinum credit card is free for the first year*.

*Offer valid till 5th September

Complimentary Lounge Access

  • Enjoy up to 3 complimentary lounge access at over 1,000 airports across the world per calendar year.
  • To get access for additional guests (over and above the entitlement), you will be required to pay an amount of USD 32 per guest per visit.

Earn Etihad Guest Miles On Spend

  • Earn up to 1.25 Etihad Guest Miles per USD 1 spent.
  • Receive 1,000 Etihad Guest Miles as a monthly bonus.
  • Other purchases include the following -
International Purchase Up to 1.25 Etihad Guest Miles
Domestic Purchases Up to 1 Etihad Guest Mile
Purchases with Etihad Airways 1.25 Etihad Guest Miles

Travel Discounts

  • You can conveniently redeem your earned Etihad Guest Miles with the welcome bonus for flights and upgrades on the Etihad Airways network and its partners.

Avis Rent-a-Car Benefits

  • Get up to 20% off for Etihad Platinum cardholders for car rentals across the world.
  • Additional discounts are included for domestic and international rentals where rentals take place in the same country as the cardholders’ residence country in MENA.
  • You can book your cars online via
  • You can even enrol for the Avis Preferred Plus Membership via

ADCB Etihad Guest Above Platinum Credit Card

Visa Luxury Hotel Collection Privileges

You can avail of exclusive benefits at over 900 luxury resorts and hotels across the world -

  • VIP guest status, late check-out until 3.00 pm upon request
  • Get USD 25 food or beverage credit
  • Avail of complimentary breakfast on a daily basis
  • Enjoy the benefit of complimentary in-room WiFi
  • Enjoy automatic room upgrades upon arrival

Dining and Lifestyle Discounts

  • Get a Visa experience with the ENTERTAINER offer: You can get 2-for-1 offers at some of the top restaurants, fitness outlets, entertainment, and spas across the Middle East region. All you need to do is download and install the xperience app with the ENTERTAINER application on your smartphone and enjoy these exclusive benefits.
  • You can now enjoy a discount of up to 30% at more than 1,400 restaurants across the Emirates. Besides that, you can also avail of such exclusive discounts on entertainment, shopping, and others.

Rewards and Offers of ADCB Etihad Guest Platinum Credit Card

Mentioned below are some other offers and rewards included in the ADCB Etihad Guest Platinum credit card -

  • You can earn up to 1.25 Etihad Guest Miles per USD spent.
  • 40,000 and 30,000 promotional miles for UAE nationals and UAE expatriates, respectively, as welcome offers (valid till 5th September)

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Fees and Charges: ADCB Etihad Guest Platinum Credit Card

Refer to the table below to know the fees and charges of the ADCB Etihad Guest Platinum credit card -

Types of Fees Charges
Finance Charges (Retail Purchase) 3.69% Per Month
Finance Charges (Cash Advance) 3.69% Per Month
Liability/ No Liability Letter Charge AED 52.5
Cash Advance Limit 60% of the Credit Limit
Minimum Payment Due 5% or AED 100 (Whichever is Higher)
Payment Due Date (For Statement Date) 25 Days
Card Replacement Fee AED 78.75
Processing Fees - 0% Interest Payment Plans at Participating Merchants and Credit Card Loans AED 52.5
Foreclosure Fee (Credit Card Loan/ Balance Transfer/ Instalment Plans) AED 210
Temporary Credit Limit Increase Fee AED 52.5
Returned Cheque Charge AED 157.5
Paper Statement Fee AED 5.25 (Per Statement)
Duplicate Statement Fee AED 26.25
Exchange House Payment Fee AED 5.25 (Per Transaction)
Foreign Transaction Fee (AED Currency) 2.1%
Foreign Currency Transaction Margin 2.99%
Credit Shield Fee 1.0395% of the Outstanding at Billing Cycle
Cash Advance Fee 3.15% or AED 105 (Whichever is Higher)
Late Payment Fee AED 241.5 (If the Minimum Payment Due is Not Paid by the Due Date)
Overlimit Fee AED 288.75
Finance Charges (Balance Transfer/ Credit Card Loan/ Instalment Plans) Up to 2.25% Per Month

Credit Score - Policybazaar uae

ADCB Etihad Guest Signature Credit Card: Terms and Conditions

Here are some of the terms and conditions associated with the ADCB Etihad Guest Infinite credit card -

  • If a customer cancels their existing adcb credit card or an ADCB-covered card during the offer period and applies for an Etihad Guest Card, they will not be eligible for the offer.
  • Promotional miles will be credited within 60 days from the completion of 90 days from the card issuance date. Note that this is subject to the customer meeting spending criteria.
  • Customers who convert an existing ADCB credit card or ADCB-covered card to an Etihad credit card will not be eligible for the offer.
  • Issuance of credit cards is at the sole discretion of ADCB.
  • To be eligible for the promotional bonus Etihad Guest Miles, customers must fulfil the Minimum Spends within the first 90 days from the date of card issuance via retail purchases, balance transfers, cash withdrawals, and credit card loans.

For detailed terms and conditions, visit the official website of ADCB.

discount offers - Policybazaar uae

Q1. Is there any membership fee to be paid to enroll for ADCB Etihad Platinum Card?

Ans: Yes. The applicant has to pay an annual membership fee of AED 525 in order to enroll for ADCB Etihad Platinum Card.

Q2. What is the rate of interest charged on Etihad Platinum Card?

Ans: An interest rate of 3.25% per month is charged on the retail purchases made on the Etihad Platinum Card by ADCB.

Q3. What is the Etihad Guest Miles Programme?

Ans: Etihad Guest Miles Program is a reward program designed by Etihad Airways for loyal and frequent flying members.

Q4. How can I redeem my Etihad Guest Miles?

Ans: You can redeem Etihad Guest Miles instantly and avail free upgrades, book free flights, and more. It is easy to spend your miles with Etihad Airways. You can also avail various benefits of shopping opportunities at Rewards Shop. You can also use these Etihad Guest Miles to experience Pearl Business Class flights and the Diamond First Class.

Q5. Can I obtain a cash advance using my ADCB Etihad Platinum Card?

Ans: Yes, you can obtain a cash advance of up to 60% of your available credit limit using this ADCB Etihad card. There is a cash advance fee applicable that is worth 3.15% or AED 105 – whichever amount is higher.

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