You will receive 35,000 Etihad Guest Miles as a welcome bonus during the first year of your membership. You can redeem your miles for flights and upgrades across a growing list of exciting destinations on the Etihad Airways network and their partners.

This is a one-time reward and will be credited to your Etihad Guest account within 60 days of payment of the annual fee during the first year of card issuance. The reward will not be applicable for card upgrades or reissuances if credited before.

Indulge yourself in a world of rewards. Your everyday expenses with the ADCB Islamic Etihad Guest Signature Card - whether it’s shopping, dining, entertainment or travel expenses anywhere in the world will earn you Etihad Guest Miles:

You can redeem your Etihad Guest Miles for flying, shopping, holidays, cars, hotels and more. To learn more about miles redemption rates please click here.

Classification of merchants in the above mentioned categories and European Economic Area will be as per prevailing Visa guidelines.

Transactions exceeding the assigned card limit of the card shall not be entitled to earn Etihad Guest Miles during the month. Card transactions for School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking, Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.

As a reward for your loyalty, you will earn a monthly bonus of 2,000 Etihad Guest Miles when your monthly purchases are equal or more than USD 2,000. This is on top of regular Etihad Guest Miles earning rates.

Monthly bonus miles is given only once in a month.

Purchases made with your ADCB Islamic Etihad Guest Signature Card also entitle you to earn Tier Miles, which help you progress to the next tier as well as maintain your current tier status within the Etihad Guest program.

You will earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase, both locally and overseas.

Tier Miles will be awarded subject to a maximum of 25,000 Tier Miles on an annual basis for Signature cardholders, and will be valid for a 12-month period.

Your ADCB Islamic Etihad Guest Signature Card enables fast-tracking of your tier status to the exclusive Etihad Guest Silver Tier when you fulfil either of the following criteria:

• Accrual of 18,000 Tier Miles through purchases with your ADCB Islamic Etihad Guest Signature Card within six months of card issuance; or
• Completion of two return flight on Etihad Airways within six months of issuance of your ADCB Islamic Etihad Guest Signature Card booked using your ADCB Islamic Etihad Guest Signature Card

You will be automatically upgraded to the Etihad Guest Silver Tier within two weeks of achieving either of these criteria. If you are an existing Etihad Guest Silver Tier member, your membership status will remain unaffected.

Etihad Guest Silver benefits

• 12 kg excess baggage allowance
• Priority check-in
• Access to Al Reem Airport Lounge at Abu Dhabi International Airport
• 25% discount on instant upgrades with miles at the airport

As an ADCB Islamic Etihad Guest Signature Cardholder, you will enjoy up to 2 complimentary one-class upgrade vouchers that allow you to upgrade your flight ticket from Economy to Business on any Etihad Airways flight with 50% fewer miles.

You will receive your first upgrade voucher upon spending USD 35,000 with your ADCB Islamic Etihad Guest Signature Card. Subsequent vouchers will be issued for every additional USD 35,000 spent using your card. The upgrade voucher will be sent electronically to your email registered with Etihad Airways and will be valid for up to 9 months from the date of issuance.

• The voucher is issued every time your total purchases with the card reaches USD 35,000
• The voucher covers a one-way trip for one passenger and can be used for a one-class upgrade
• The voucher will be given based on eligible purchases during a 12-month period from the date of card issuance and, subsequently, from the card anniversary date

Enjoy complimentary unlimited access to over 1,000 airport lounges around the world. Simply present your ADCB Islamic Etihad Guest Signature Card at the lounge reception to enter.

Additional guest(s) access, over and Above the entitlement, will be charged at a flat rate of USD 32 per guest per visit.

Visit www.loungekey.com/en/visamena to learn more.

Your ADCB Islamic Etihad Guest Signature Card entitles you to exclusive benefits at more than 900 luxury hotels and resorts around the world, including:

• Automatic room upgrades upon arrival
• Complimentary in-room Wi-Fi
• Complimentary daily breakfast
• USD 25 food or beverage credit
• VIP guest status Late check-out until 3 pm upon request

To learn more, please click here.

Your ADCB Islamic Etihad Guest Signature Card entitles you to comprehensive travel medical benefits including:

• Personal accident benefits - up to USD 500,000 (international)
• Personal accident benefits - up to USD 100,000 (domestic)
• Emergency medical expenses - up to USD 500,000
• Evacuation and repatriation expenses - up to USD 500,000
• Hospital daily cash of USD 100 per day - up to USD 3,000
• Trip cancellation/curtailment - up to USD 7,500 Delayed departure - up to USD 1,000
• Delayed departure - up to USD 1,000
• Baggage delay - up to USD 500
• Loss of personal belongings - up to USD 2,500

Cover includes the cardholder, spouse, and up to 5 children with an age limit of 75 for all individuals. For detailed and updated coverage on medical and legal referral services, please call +971 (4) 2536024 or click here.

For any claims, you should email [email protected] with the following information:

• Cardholder’s name
• First 9 digits of covered card number
• Cardholder’s address
• The policy or section under which the claim applies

This will start the claim process.

• Up to 35% off for Etihad Signature cardholders for renting worldwide.
• Cardholders should book their cars online using the following URL: www.avisworld.com/visa
• Discounts are included for international and domestic rentals where rentals take place in the same country as cardholders’ country of residence in MENA.
• Etihad Signature cardholders can also now enroll for the Avis President's Club Loyalty through www.avisworld.com/visa

Tee off in style with your ADCB Islamic Etihad Guest Signature Card. As an ADCB Islamic Etihad Guest Signature Card member, you have the luxury of playing golf for free all year at The Track Meydan Golf Dubai, Arabian Ranches Golf Club Dubai, and Abu Dhabi Golf club in Abu Dhabi.

Please note that starting 1st January 2024, Meydan Golf Club will close for redevelopment and hence will not be available for bookings.

Terms of use:

• To be eligible for this offer there is a minimum spend requirement of AED 5,000 per month.
• To reserve your complimentary round of golf call us on 600 508008 up to 14 days in advance of the golf booking date.
• Only one (1) booking is allowed at a time and the eligible cardholders can only make a booking for themselves.
• Golf clubs reserve the right to check the customer ID to ensure it’s matching with the reservation name.
• Confirmation is subject to availability and on a first come, first served basis.

Cancellation and No show fee policy:

• Tee time reservations can be cancelled up to 48 hours prior to the booking at no cost.
• In case of late cancellation or no show the following fee will apply:
  • Abu Dhabi Golf Club – 250 AED
  • Arabia Ranches – 100 AED for weekdays / 200 AED for weekends.
  • Meydan Golf Club – 105 AED

xperience offers unbeatable value with 2-for-1 offers at top restaurants, spas, fitness outlets, entertainment across the Middle East. Registration is easy and free. Simply download the xperience with the ENTERTAINER mobile application (App) from the iOS or Android store and register using your email address and mobile number and add your ADCB Isalmic Etihad Signature Card to get started.

For more terms and conditions, please click here.

Enjoy up to 30% off at over 1,400 restaurants in the UAE in addition to offers related to travel, shopping, entertainment and much more.

Visit adcbislamic.com/offers for a detailed list of offers and discounts

From luxury travel planning to reservations in the best restaurants and at exclusive events, the VISA Signature Concierge team will take care of everything for you while you make the most of your time. Services include:

• Table bookings at exclusive restaurants
• Travel arrangements, including flight and hotel bookings, car rentals, hotel transfers and tourist information
• Shopping services
• Special gift arrangements, including flowers and chocolates

Call the Visa Signature Concierge Desk on 800 0441 3487 (within the UAE) or +971 4 361 1234 (outside the UAE). Alternatively, you can email [email protected].

• Set daily spend limits
• Set monthly spend limits
• Block all transactions
• Block online transactions
• Block in-store transactions
• Block foreign transactions
• Block ATM cash withdrawals

• Login to the ADCB Mobile App
• Click on ‘My Accounts’ and then ‘Credit Cards’
• If you have more than one card, select the credit card you would like to control
• Scroll down and click on 'Card Control Settings'

Manage your card account 24/7 with our multi-functional Mobile App and Personal Internet Banking. Pay all your utility bills, mobile phone bills, school and college fee payments, Salik and credit card payments and redeem TouchPoints wherever you are.

You can make payments for your ADCB Islamic Etihad Card’s outstanding amount through any of our convenient channels:

• ADCB Personal Internet Banking: Click on the “Credit Card Payment” option under the “Islamic Credit Card” menu
• Mobile Banking App: Select the card that you wish to make a payment for under the “Manage your Credit Cards” tab
• Through any of our branches and ATMs with the cash deposit facility
• You can also set-up auto debit instructions to make payments from ADCB Islamic Banking Savings or Current account. To activate auto debit, please call 600 56 2626 or visit your nearest ADCB branch

Alternatively, you can make payments at Al Ansari Exchange or at LuLu Exchange branches. A nominal transaction fee of AED 5 per payment transaction will be charged for bill payments through partner payment locations such as exchange houses locations.

Receive cash against your available limit transferred into your account within three working days and benefit from easy repayment instalments for up to 24 months.

Available within 90 days of card registration. Plus, have the flexibility to repay in up to 24 months.

Experience zero stress when paying back high value purchases. Split transactions into an easy 0% Profit Payment Plan of up to 24 months.

Pay your covered card retail balance in small affordable monthly payments with FlexiPay. Low profit rates, zero documentation and payment period up to 48 months. SMS FLEXIPAY to 2626 for a call back or apply through Personal Internet Banking. Visit www.adcbislamic.com/flexipay for more details.

Does it feel like your child’s school fees are increasing? With your ADCB Islamic Covered Card you can convert your child’s school and college fees into installments with zero profit charges and low processing fees for up to 12 months. Simply call us or SMS ‘SCHOOL’ to 2626 for a callback

Purchase protection covers you against theft or accidental damage, so you can enjoy your new purchase without a worry.

• Valid on purchases of new items only
• Coverage for up to 365 days from date of purchase
• Claims must be submitted within 48 hours from the date of the incident
• In case of theft, cardholders must report these claims within 24 hours of the incident.
• Reimbursement of up to USD 6,000 per occurrence with an annual aggregate limit of USD 20,000

To submit a claim, please email [email protected] with the relevant details in addition to the cardholder’s name, address and first 9 digits of the covered card.

To learn more, please click here.

Your ADCB Islamic Etihad Guest Signature Card offers you the option of doubling the repair period offered by the original manufacturer by up to one year, protecting you against the cost of repair and replacement. This insurance benefit provides eligible cardholders. reimbursement of up to USD 3,500 per occurrence with an annual aggregate limit of USD 20,000.

Cover applies to new item purchases only, and proof of full payment using a Visa Signature Card is required. To submit a claim, please email [email protected] with the relevant details in addition to the cardholder’s name, address and first 9 digits of the covered card.

To learn more, please click here.

Visa Signature Cardholders are protected against unauthorised transactions or fraudulent use of their card by unrelated third parties.

This cover benefit will provide reimbursement of up to USD 2,500 per occurrence with an annual aggregate limit of USD 4,000 for Visa Signature cardholders.

To submit a claim, please email [email protected] with the relevant details in addition to the cardholder’s name, address and first 9 digits of the covered card.

To learn more, please click here.

Credit Shield is an optional service which covers your Covered / Credit card outstanding balance against any emergencies. A nominal charge is billed on a monthly basis and applicable for Accidental Death, Total & Permanent Disablement due to Accident/Sickness, Critical Illness and Involuntary Loss of Employment (ILOE) cover. Complimentary (Free) life cover including Natural death and Top-Up life is included when applying for Credit Shield.

To apply, call us or SMS ‘SHIELD’ to 2626 for a callback. For detailed information, please visit adcbislamic.com/cs