ADCB Etihad Guest Signature Credit Card 

The ADCB Etihad Guest Signature Credit Card aims to provide cardholders with an elevated travel experience along with a wide variety of features and perks. From rewards in the form of miles to a complimentary upgrade, travel insurance to airport lounge access, card control to interest-free balance transfers, cardmembers are introduced to endless benefits on their fingertips. 

Features and Benefits of ADCB Etihad Guest Signature Credit Card

Below is a run-down of the various features and benefits offered on this ADCB Etihad card: 

Etihad Silver Tier Membership

The ADCB Etihad Guest Signature Credit Card provides the cardholder with a fast-track of the membership status to the exclusive silver tier upon meeting either of the following criteria:

  1. 18,000 Tier Miles accumulated via purchases on this ADCB card within 6 months from the date of issue of the card; or
  2. Two return flights completed with Etihad Airways within 6 months from the date of the issue of the card.

There is an automatic upgrade within a period of 2 weeks of fulfilling either of the required criteria.

Etihad Guest Silver Benefits

Below mentioned are the various Etihad Guest Silver perks offered to cardmembers:

  • Excess baggage allowance of up to 12kg
  • Priority check-in
  • Access to the airport lounge, Al Reem in Abu Dhabi
  • A discount worth 25% on instant upgrades using miles at the airport

Free Voucher for a Flight Upgrade

The cardholder is eligible to up to 2 vouchers that offer a complimentary class upgrade. Using this, he or she can upgrade the flight ticket from Economy to Business on any Etihad flight with 50% lesser miles.

For every incremental spend of US$ 35,000, there is one voucher available to the cardmember. This voucher is applicable for a one-way trip only and is valid for a period of 9 months.

Complimentary Airport Chauffer

There are 2 airport chauffer rides offered to the cardholders free of cost (up to AED 100) per calendar year when the payment is made with the ADCB Etihad Guest Signature Credit Card.

Free Access to Airport Lounges

Cardmembers enjoy free unlimited access to the airport lounges at over 1,000 lounges across the globe simply by showing their ADCB Etihad Guest Signature Credit Card at the reception.

Benefits at Visa Luxury Hotels

There are exclusive benefits offered to the cardholders that can be enjoyed at more than 900 luxury resorts and hotels across the world with Visa. Some of these perks are:

  • Automatic upgrade of room on arrival
  • Free in-room access to Wi-Fi
  • Daily breakfast at no additional charges
  • A voucher worth USD 25 that can be redeemed across food or beverages
  • A VIP guest status that allows a late check-out until 3 pm upon request

Multi-trip Travel Insurance

The cardholder is offered a comprehensive range of travel medical benefits including the following: 

Coverage Amount

Personal Accident Benefit (International)

Up to USD 500,000

Personal Accident Benefit (Domestic)

Up to USD 100,000

Emergency Medical Expenses

Up to USD 1,000,000

Repatriation and Evacuation Expenses

Up to USD 500,000

Hospital Daily Cash

Up to USD 3,000

$100 daily

Trip Curtailment or Cancellation

Up to USD 7,500

Delayed Departure

Up to USD 1,000

Baggage Delay

Up to USD 500

Loss of Personal Belongings

Up to USD 2500

 

This insurance covers the cardholder, spouse, and up to 5 children, with the age being capped at 75 years for all individuals. 

Complimentary Golf Access

With the ADCB Etihad Guest Signature Credit Card, cardholders can tee in full style as they can enjoy the luxury of playing year-round golf at no additional charges at the following:

  1. The Track
  2. Yas Links Golf Club Dubai
  3. Arabian Ranches Golf Club Dubai
  4. Meydan Golf Dubai

All that the cardmember needs to do in order to enjoy uninterrupted access is to spend a minimum of AED 5,000 every month. The reservations are made on a first come first serve basis.

Global Concierge Service

The VISA Signature Concierge aims to cater to the needs of the card members in the best possible manner. The following are the services provided:

  • Reservations for tables at exclusive restaurants
  • Shopping services
  • All travel arrangements (flight booking, hotel booking, car rentals, tourist information, and hotel transfers)
  • Arrangement of special gifts

No Interest Days

When the cardholder continues to clear the outstanding dues by the due date, he or she can enjoy up to 55 interest-free days with this ADCB card.

Managing Payments

The account of the cardmember can easily be managed with the ADCB mobile and internet banking. The following services can also be accessed using these platforms:

  • Payment of utility bills
  • Payment of mobile bills
  • School fee or college fee payments
  • Salik or credit card payments
  • Redemption of TouchPoints

Convenient Payment Options

ADCB provides the users with the convenience of paying as little as 5% of the outstanding every month, with the rest of the balance being carried forward. The card payments can be made via any of the below-mentioned platforms:

  1. Personal Internet Banking
  2. Mobile Banking
  3. Any of the ADCB Branches
  4. Cash Deposit Machines
  5. Auto-Debit Feature

Cash Loans

In case of a cash crunch, the cardholder can avail cash against the available credit limit. The cash is then transferred to the ADCB account within 3 days at low-interest charges and can be repaid over a tenure of up to 24 months.

No Interest Balance Transfers

This feature can be availed with 3 months of card registration. Additionally, the cardmember has the flexibility to repay this over a period of up to 24 months.

Installment Payment Plan

The high-value purchases made by cardholders can be split into affordable recurring payments with the 0% Interest Payment Plan spread across over a tenure of up to 24 months at attractive rates. Additionally, when the purchase is made with any of the partner retailers, the installments can be paid at a 0% interest rate.

Card Control

The cardmember can have complete control from setting limits to tracking transactions of the ADCB Etihad Guest Signature Credit Card, using the card control feature on the ADCB app.

Enhanced Protection

ADCB aims to provide enhanced care and protection to the users by offering the following:

  • Purchase Protection: This covers the cardholder against any accidental damage to or theft of the purchase made on the ADCB card. The coverage is offered for up to 1 year from the date of purchase. The reimbursement amount is capped at USD 6,000 per-incident and USD 20,000 annually.
  • Extended Warranty: Cardholders are given the option to double the repair period offered by their original manufacturer for up to 1 year. This protects them against any cost of replacement or repair. This benefit is capped at USD 3,500 per occurrence and at USD 20,000 annually.
  • Fraudulent Card Protection: The users of ADCB Etihad Guest Signature Credit Card are protected against any fraudulent or unauthorized transactions made by an unrelated third party. This is capped at USD 2,500 per-incident and USD 4,000 annually.
  • Credit Shield: This is an optional insurance benefit available at nominal charges that covers the cardholder for an amount of up to AED 100,000 against any emergencies. These emergencies include Natural Death, Critical Illness, Involuntary Employment Loss, and Total or Permanent Disablement. 

Rewards and Offers of ADCB Etihad Guest Signature Credit Card

The following are the rewards and offers on the ADCB Etihad Guest Signature Credit Card: 

Etihad Miles Rewards

This is a customer loyalty program that rewards cardholders for every purchase they make.

  • Welcome Bonus Miles: Cardmembers receive 35,000 Etihad Guest Miles in the form of a welcome bonus during their membership’s 1st year. These miles can be redeemed across flight bookings and upgrades across a widely growing list of destinations on the network of Etihad Airlines along with their partners. This bonus is a one-time reward and is generally credited to the account within the first 60 days from the date of annual fee payment during the card issuance’s first year.

 

  • Etihad Guest Miles On All Spends: Be it shopping, entertainment, travel, or dining, the cardholder’s experience has been made extremely rewarding with the chance to earn Etihad Guest miles on every purchase made on the card.
Purchase Category Etihad Guest Miles for every USD 1 spent

Domestic expenditures

1.25 Miles

International expenditures

2 Miles

Expenditures with Etihad Airways

2 Miles

 

  • Domestic expenditures in the merchant categories are inclusive of supermarkets, utilities, education, and government services and for every USD 1 will earn 0.33 Etihad Guest Miles.
  • The transactions that go above and beyond the credit limit are not entitled to earn any miles.
  • The transactions on the card for school fee, utility bill or telecom bill payments made via the ADBC modes is capped at the maximum miles earning rate of AED 3,500 every month.
  • Monthly Bonus of Etihad Guest Miles

As a loyalty reward, the cardmember is eligible to earn a monthly bonus worth 2,000 Etihad Guest Miles when the monthly expenditures are worth USD 2,000 or above. This is additional over and top of the regular earning rates of Etihad Guest Miles. 

  • Tier Miles on Spends: The expenditures made on the ADCB Etihad Signature Credit Card also entitle the credit cardholder to earn Tier Miles. These help in progressing to the next tier along with maintaining the current status within the program of Etihad Guest. For every USD 1 of eligible expenditure (international and local) 1Etihad Guest Tier Mile can be earned. These miles that are awarded are capped at 25,000 Tier Miles and are valid for a period of 12 months. 

Agoda Discounts

With the ADCB Etihad Guest Signature Credit Card, the cardholder can enjoy discounts of up to 12% at selected properties while booking on the official website of Agoda. 

Hotels.com Discounts

At the point of payment, cardmembers are eligible for a discount worth 8% with this ADCB card. The promo code that needs to be used is “VISA8.” 

2 for 1 Offers by Visa

Cardholders can treat themselves with exclusive 2 for 1 offers on entertainment and food along with more than 5,000 travel deals with the mobile app of Visa Offers MENA. 

Lifestyle and Dining Discounts

The cardmember can enjoy discounts of up to 30% at more than 1,400 restaurants across the UAE. Additionally, there are offers available on shopping, entertainment, travel, and much more. 

Exclusive Offers at Yas Island Theme Parks

Cardholders can take advantage of exciting deals on tickets, merchandise, food and beverages, and even more at Ferrari World in Abu Dhabi, Warner Bros. World in Abu Dhabi, as well as Clymb in Abu Dhabi.

The exclusive benefits offered are as follows:

  • A discount worth 15% on entry tickets as well as annual passes.
  • 15% discount on the merchandise.
  • 10% off on food and beverage
  • Free Quick Pass for priority access to the attractions and the rides.
  • On purchases that exceed AED 500, the cardholder can opt for a 0% interest payment plan. 

Fees and Charges for ADCB Etihad Guest Signature Credit Card

The following table details the different fee and charges on the ADCB Etihad Guest Signature card: 

Fee and Charges Amount

Annual Fee

AED 1,050

Supplementary Card Fee

Nil

Finance Charges for Retail Purchases

3.25% monthly

Finance Charges for Cash Advance

3.50% monthly

Finance Charges for Balance Transfer, Installment Plans, or Credit Card Loan

Up to 1.50% monthly

Cash Advance Charges

Maximum of 3.15% or AED 105

Fee for Over Limit

AED 288.75

Late Payment Charges

AED 241.50 (upon failure to pay the minimum amount due by the due date)

Fee for Card Replacement

AED 78.75

Fee for Obtaining a Duplicate Statement

AED 26.25

Charge for a Returned Cheque

AED 157.50

Charge for Processing an Outstation Cheque

AED 21

Sales Voucher Copy

AED 26.25

The Margin for Transactions made in Foreign Currency

2.99%

Credit Shield Fee (Optional)

1.0395% of the outstanding amount

Fee for Temporary Increase in Credit Limit

AED 52.50

Fee for Exchange House Payments

AED 5.25 for every transaction

Paper Statement Fee

AED 5.25 for every statement obtained

Foreclosure Charges (Credit Card Loan/Balance Transfer/Installment Plans)

AED 210

Processing Fee for the 0% interest payment plans at the partner merchants and for credit card loans

AED 52.50

Payment Due Date

25 days

Minimum Monthly Due

Maximum of 5% or AED 100

Cash Advance Limit

60% of the available credit limit

(updated as at August 2020) 

Frequently Asked Questions

Q1: How can I access the 2 for 1 Visa Offers?

Ans: The 2 for 1 Offers provided by Visa can simply be accessed by downloading the mobile app of Visa Offers MENA from the Google Play or Apple Store. All you need to do is enter your ADCB Etihad Signature Credit Card to start. 

Q2: What is Etihad Guest Miles Rewards?

Ans: ADCB offers a customer loyalty program, under which Etihad Guest Miles Rewards are offered to the cardholder for every swipe of this credit card, making it a rewarding experience. 

Q3: Are the miles rewarded across a specific spending category?

Ans: No, Etihad Guest Miles are rewarded on every expenditure – from dining to travel, shopping to entertainment. The following table details the Etihad Guest Miles’ earn rate for the different spending categories: 

Purchase Category Etihad Guest Miles for every USD 1 spent

Domestic expenditures

1.25 Miles

International expenditures

2 Miles

Expenditures with Etihad Airways

2 Miles

Q4: Does the free flight upgrade voucher expire?

Ans: Yes, the free flight voucher offered is valid for a period of up to 9 months from the date of issue. 

Q5: Can the cardholder bring an additional guest to the airport lounges?

Ans: Yes, any additional guest over the entitlement will be charged a rate of USD 32 per visit per guest.

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