ADCB Etihad Guest Signature Credit Card

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




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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
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The 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.

ADCB Etihad Guest Signature Credit Card
Free for 1st year
  • Minimum Income AED 20,000
  • Annual Fee 1st Year Free*
  • Welcome Miles
  • Etihad Guest Miles on spend
  • Complimentary Class upgrades
  • Free for 1st year (Limited period offer till 5th September)
  • Fast track to Etihad Silver Tiers

Features and Benefits of ADCB Etihad Guest Signature Credit Card

Enlisted below are all the key features and benefits of the ADCB Etihad Guest Signature credit card -

Avis Car Rental

  • Avail of a discount of up to 35% for car rentals across the world.
  • Get exclusive discounts on domestic and international rentals for rentals in your country of residence in the MENA region.
  • As an Etihad Signature cardholder, you can also register yourself for Avis President’s Club Membership via

Golf Benefits

  • Enjoy the benefit of playing golf for free throughout the year at The Track, Meydan Golf Dubai, Abu Dhabi Golf Club, and Arabian Ranches Golf Club Dubai.

Travel Benefits

  • Etihad Guest Silver Tier Membership
  • Get an accrual of 18,000 Tier Miles via purchases made through the credit card within 6 months of your card issuance.
  • Completion of 2 return flights on Etihad Airways within 6 months of your card issuance booked using your Etihad Guest Signature credit card.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Complimentary Airport Lounge Access

  • You can avail of unlimited complimentary airport lounge access at over 1,000 airport lounges across the world.
  • For an additional guest entry, over and above the entitlement, a flat rate of USD 32 per guest visit will be charged.

Complimentary Flight Upgrade Voucher

  • You can enjoy up to 2 complimentary class upgrade vouchers. Furthermore, you can upgrade flight tickets to business class from economy class on any Etihad Airways flight with 50% fewer miles.
  • You will get one upgrade voucher from Etihad Airways for every incremental purchase of USD 35,000.
  • You can use the voucher for a one-way trip for a single passenger and a one-class upgrade.
  • The voucher will be sent to you on eligible purchases during the 12-month period from the date of card issuance.

Multi-Trip Travel Insurance

You can avail of the following comprehensive travel medical benefits such as -

  • Loss of Personal Belongings - Up to USD 2,500
  • Baggage Delay - Up to USD 500
  • Trip Cancellation/ Curtailment - Up to USD 7,500
  • Delayed Departure - Up to USD 1,000
  • Hospital Daily Cash of USD 100 Per Day - Up to USD 3,000.
  • Evacuation and Repatriation Expenses - Up to USD 500,000
  • Emergency Medical Expenses - Up to USD 500,000
  • Personal Accident Benefits (Domestic) - Up to USD 100,000 
  • Personal Accident Benefits (International) - Up to USD 500,000

Note: This cover includes your spouse and up to 5 children. The maximum age limit is 75 years for all individuals. 

  • Etihad Guest Silver Benefits

With Etihad Guest Silver benefits, you can avail of the following:

  • Instant upgrade with miles at the airport at a 25% discount 
  • Access to the Al Reem airport lounge in Abu Dhabi
  • Access priority check-in
  • 12 kg excess baggage allowance 
    • VISA Luxury Hotel Collection Privileges

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With this credit card, you can enjoy exclusive benefits at over 900 luxury hotels and resorts across the world -

  • VIP guest status - late check-out until 3 pm upon request
  • USD 25 food or beverage credit
  • Get complimentary breakfast on a daily basis
  • Get complimentary in-room WiFi
  • Enjoy automatic room upgrades on arrival 

Dining Discounts

  • Avail of up to 30% off at more than 1,400 restaurants across the UAE.
  • You can also get multiple benefits related to shopping, entertainment, and others.

Rewards and Offers of the ADCB Etihad Guest Signature Credit Card

Here are the rewards that you will receive upon activating your ADCB Etihad Guest Signature credit card

  • Earn up to 2 Etihad Guest Miles and 1 Etihad Guest Tier Mile per USD spent
  • Fast track to Etihad Guest Silver Tier
  • Get 75,000 promotional miles (for UAE Nationals) and 60,000 promotional miles (for UAE Expatriates) on a minimum spend of AED 50,000.

Offer valid till 5th September 2023

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ADCB Etihad Guest Signature Credit Card: Fees and Charges

Check out the table below for all the fees and charges of the ADCB Etihad Guest Signature credit card in the UAE - 

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 (Balance Transfer/ Credit Card Loan/ 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 the 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 of the Payment)
Overlimit Fee AED 288.75
Finance Charges (Balance Transfer/ Credit Card Loan/ Instalment Plans) Up to 2.25% Per Month

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ADCB Etihad Guest Signature Credit Card: Terms and Conditions

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

  • Customers who cancel their existing ADCB Credit Card or an ADCB-covered card during the offer period and apply for an Etihad Guest Card 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, subject to the customer meeting spending criteria.
  • Customers converting 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 through retail purchases, balance transfers, cash withdrawals, and credit card loans.

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

Latest ADCB Credit Card Offers

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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