ADCB Islamic Etihad Guest Infinite 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

The world of credit cards can sometimes feel like a maze, with countless options vying for our attention. Amidst this crowd, the ADCB Islamic Etihad Guest Infinite Credit Card certainly stands out as an excellent option, captivating its users with an array of top-of-the-line benefits and amazing rewards.

We will embark on a journey to discover the hidden facts of this rewarding credit card and understand how it empowers users to make the most of their spending while enjoying a world of privileges and delights.

Best ADCB Credit Cards in UAE

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The Travel Benefits

  • Exclusive Welcome Offer available until September 5, 2023: Receive 150,000 promotional miles for UAE nationals and 120,000 promotional miles for expatriates, provided a minimum spend of AED 75,000 is met.

Earn up to 3 Etihad Guest Miles for every USD spent and 1 Etihad Tier Mile for each USD spent.

Additionally, you can enjoy up to 4 complimentary class upgrade vouchers for the first year as part of this limited-time offer valid until September 5th. This constitutes the Welcome Bonus. 

Note: This offer is eligible for ADCB Islamic Etihad Guest Cards applied for between June 5th and September 5th, 2023, and subsequently issued by September 20th, 2023. It is open to customers who did not possess an ADCB Etihad Guest credit card or ADCB Islamic Etihad Guest Card before the start of this offer period.

  • Fast-track to Etihad Guest Gold Tier: Accumulate 35,000 Tier Miles within 6 months of card issuance or complete a round-trip flight with Etihad Airways within the same timeframe to access exclusive privileges.
  • Priority Check-in and Boarding: Gold Tier benefits include priority check-in and boarding, ensuring a seamless and efficient travel experience.
  • Generous Excess Baggage Allowance: Get a generous excess baggage allowance to enjoy the utmost convenience and ease during travels.
  • Free Flight Upgrade Vouchers: Card members can receive up to four complimentary one-class upgrade vouchers, elevating their flight experience from economy to business or business to first class.
  • Free Airport Lounge Access: Gain access to over 1,000 lounges worldwide (valid for the card member and an accompanying guest) to enjoy comfort and serenity before the departure of your flight.

Luxury Hotel Collection Benefits

  • Visa Luxury Hotel Collection: Get access to over 900 luxury hotels and resorts worldwide that offer a treasure trove of exclusive perks and privileges.
  • Free Daily Breakfast: To add to your luxurious experience, this card can bring you the benefit of complimentary daily breakfast during your stay.
  • In-Room Wi-Fi: Stay connected with free in-room Wi-Fi.
  • Room Upgrades: Benefit from the possibility of room upgrades to elevate your accommodation to a higher level of luxury.
  • Food and Beverage Credits: Get US Dollar 25 food and beverage credits to indulge in culinary delights.
  • VIP Guest Status: Experience VIP guest treatment, including late check-out until 3 pm upon special request, making time a fluid commodity in the realm of luxury.

Multi-Trip Travel Insurance

  • Comprehensive Multi-Trip Travel Insurance: Enjoy peace of mind during your trips with comprehensive multi-trip travel insurance provided by the card.
  • Personal Accidents Coverage: Cardholders are financially protected against personal accidents while travelling.
  • Emergency Medical Expenditures: The insurance covers emergency medical expenses incurred during the journey.
  • Hospital Daily Cash: In case of hospitalisation, cardholders receive a daily cash allowance for added support.
  • Repatriation and Evacuation Expenses: The insurance coverage includes repatriation and evacuation expenses if needed.
  • Trip Cancellation or Curtailment: You can be financially safeguarded against unexpected trip cancellations or curtailments with the card's insurance coverage.
  • Delayed Departure: In case of flight delays, the insurance provides compensation for any inconveniences.
  • Delayed Baggage: If luggage is delayed, card members are covered for expenses related to the delay.
  • Loss of Personal Belongings: The insurance offers protection in case of loss of personal belongings during the trip.

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Lifestyle Benefits - Golf Access and Worldwide Concierge Service

  • Free Golf Access: Golf enthusiasts can enjoy unlimited access to some of the finest golf courses in the UAE by maintaining a minimum monthly spend of AED 5,000 on the card.
  • Worldwide Concierge Service: The card provides access to a personal genie-like worldwide concierge service, catering to every wish of its cardholders. From restaurant reservations to luxury travel planning, this magical service ensures cherished experiences.

Convenience and Control - Card Control and Internet/Mobile Banking

  • Official ADCB Mobile Application: Cardholders can experience the gift of convenience with the official ADCB mobile application using which they can manage and control their transactions effortlessly. The app allows them to set spending limits with a simple wave of their phone.
  • Personal Internet Banking and Mobile Application: The magic of internet and mobile banking empowers users to effortlessly manage their card accounts. Cardholders can conveniently pay mobile phone bills, utility bills, Salik tolls, college and school fees, and credit card bills with the wave of a digital wand using the multi-functional Personal Internet banking and mobile application of ADCB.

Flexible Payments and Protections

  • Pay Order Facility
    • The card offers a PayOrder Facility, which allows users to access cash against their available credit limit.
    • The cash is swiftly transferred into their account within 3 business days.
    • Make repayments via simplified monthly instalments over a 24-month period.
  • Easy Instalments
    • The Easy Instalment facility transforms larger purchases into manageable enchantments.
    • Cardholders can opt for 0% profit payment plans, converting purchases into 24-month instalments for a highly convenient financial experience.

Rewards and Offers - Unlocking the Treasure Chest

  • Earning Etihad Guest Miles
    • Cardholders can earn 2 miles for every USD spent locally.
    • Earn up to 3 miles for every USD spent internationally or with Etihad Airways
    • Enjoy an additional sparkle with monthly bonus miles, getting 5,000 Etihad Guest Miles for monthly purchases totaling USD 5,000 or more.
  • Exclusive Travel and Lifestyle Offers
    • Cardholders can enjoy exclusive discounts at Agoda
    • Attractive discounts on Avis car rentals
    • 2-for-1 deals on entertainment and dining are available through the Visa Offers MENA application.
  • Dining Benefits
    • The card offers discounts of up to 30% at more than 1,400 restaurants across the UAE to provide you with a delightful dining experience.

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Fees and Charges of ADCB Islamic Etihad Guest Infinite Credit Card

Tabled below are the fees and charges associated with the ADCB Islamic Etihad Guest Infinite Credit Card - 

Fees Category Fees and Charges
Cash Withdrawal Fee AED 105 
Late payment fee AED 241.5
Card Replacement Fee AED 78.75
Duplicate Statement Fee AED 26.25
Minimum Payment Due 5% or AED 100 (whichever is higher)
Sale Voucher Copy AED 26.25
International Currency Transaction 2.99% of the total amount of transaction
Foreign Transaction Fee 2.1%

Keep in mind that the discussed fees are subject to change. It is advisable to connect with the bank for the most up-to-date information.


The ADCB Islamic Etihad Guest Infinite Credit Card offers its users a seamless and exclusive experience in the world of banking. From the moment they step into the realm of this prestigious credit card, they are welcomed with a host of extraordinary privileges and rewards.

Convenience and control are at the cardholders' fingertips, as they wield the power of card control through the mobile application and manage their finances with the internet and mobile banking. It's a truly modern and magical banking experience.

The card's flexibility in payments and protection allows cardholders to manage their finances with ease while transforming larger purchases into manageable enchantments through Easy Instalments.

Above all, the ADCB Credit Card rewards its cardholders with a treasure trove of Miles Rewards, sign-up bonuses, and exclusive deals. The magic of earning and redeeming Etihad Guest Miles for flights and upgrades across the network and its partners is certainly a delight for every traveller.

With exclusive discounts and offers on dining, entertainment, and travel, the card becomes a key to unlocking a world of privileges. Embrace the magic, and let the enchantment of this prestigious credit card transform the way you bank and travel.

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