Important note
All ADCB Etihad Guest cards have been discontinued on 30th November 2025 and are no longer available. For details on the discontinuation, please visit adcb.com/transitioninfo
Credit Cards ADCB Etihad Guest Platinum Credit Card
Keep in mind
- Transactions exceeding the assigned credit limit of the card will not be entitled to earn Etihad Guest Miles during the month.
Welcome Bonus Miles
As a welcome bonus, you will receive 12,000 Etihad Guest Miles during the first year of membership. You can redeem your miles for flights and upgrades across a growing list of exciting destinations on the Etihad Airways network and its 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.
Etihad Guest Miles on all purchases
Indulge yourself in a world of rewards. Your everyday expenses with the ADCB Etihad Guest Credit Card - whether it’s shopping, dining, entertainment or travel expenses anywhere in the world, earn you Etihad Guest Miles:
| Purchase category | Etihad Guest Miles earned for every US Dollar spent |
|---|---|
| Purchases with Etihad Airways | 1.25 Etihad Guest Miles |
| International purchases | Up to 1.25 Etihad Guest Miles
|
| Domestic purchases | Up to 1 Etihad Guest Mile
|
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 credit 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.
Etihad Guest Miles - Monthly Bonus
As a reward for your loyalty, you’ll receive a monthly bonus of 1,000 Etihad Guest Miles when your monthly purchases are equal or more than USD 1,000 .This is on top of regular Etihad Guest Miles earning rates.
Monthly bonus miles is given only once in a month.
Complimentary Airport Lounge Access
Please note that effective May 23, 2025, lounge access on your ADCB Etihad Guest Platinum Credit Card will be available only through the Visa Airport Companion App.
Enjoy 3 complimentary visits per year, for you and your supplementary cardholders, at over 1,200 airport lounges across the many cities you love to travel to.
- Download the “Visa Airport Companion” app at Google Play or App store & register your card before traveling.
- Use the app to locate lounges near you and confirm complimentary visits eligibility.
- To access a participating lounge, present the app QR code to the lounge receptionist.
- For more information please visit the Visa Airport Companion app
Please note, supplementary cardholders need to register their card separately on the Visa Airport Companion app by following the above steps.
*Additional visits or accompanying guests, over and above the entitlement, will be charged a flat rate of USD 32 per visit.
VISA luxury hotel collection privileges
Your ADCB Etihad Guest PlatinumCredit 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
Visit www.visaluxuryhotels.com to learn more
Avis Rent a Car Benefits
- Up to 20 % off for Etihad Platinum 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 Platinum cardholders can also now enroll for Avis Preferred Plus Membership through www.avisworld.com/visa
Visa xperience with the ENTERTAINER offer
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 Etihad Platinum Credit Card to get started.
For more terms and conditions, please visit: www.visa.com/EntertainerXperience
Dining and lifestyle discounts
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 www.adcb.com/offers for a detailed list of offers and discounts
Enjoy complete control of your card transactions and set spend limits with the Card Control feature through the ADCB Mobile App.
Features
- 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
How to use Card Control
- 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'
Interest-free days
Your Etihad VISA Platinum Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
Mobile App and Internet Banking
Manage your credit card account 24/7 with our multi-functional Mobile App and Personal Internet Banking. Pay all your utility bills, mobile phone bills, school & college fee payments, Salik and credit card payments and redeem TouchPoints wherever you are.
Convenient payment options
ADCB gives you the convenience to pay as little as 5% of your outstanding balance each month, and carry the balance forward to the next billing cycle. You can make payments for your card’s outstanding amount through any of our convenient channels:
- Personal Internet Banking: Click on the “Credit Card Payment” option under the “Credit Card” menu
- Mobile Banking App: Select which Credit you wish to make payment for and choose “Manage your Credit Cards” tab
- Branches and Cash Deposit Machines: You can also pay through any of our branches and Cash Deposit Machines
Set up Auto Debit Instructions
You can also set-up Auto Debit instructions to make payments from your ADCB Savings or Current account. To activate Auto Debit, please call 600 50 2030 or visit the 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.
Interest free balance transfers
Available within 90 days of card registration. Plus, have the flexibility to repay in up to 24 months.
Credit Card Loan
Need cash against your available credit limit? Benefit from low interest rate and repay in easy installments of up to 48 months. Simply call us or SMS ‘CCL’ to 2626 and the money will be transferred to your account within 2 working days. This is subject to terms and conditions and bank approval.
Balance Transfer
Save on interest expenses by transferring your outstanding balances from other bank credit cards to an ADCB Credit Card. You can also enjoy the flexibility of low interest rate and repay in easy installments of up to 48 months. Simply call us or SMS ‘BT’ to 2626 for a callback. This is subject to terms and conditions and bank approval.
Instalment Payment Plans
Beat the stress of paying back any of your high value purchases by converting transactions into personal payment plan at low interest rates with tenor of up to 48 months. Simply call us or SMS ‘PPP’ to 2626 for a callback. Shop at our wide range of partners and pay back in instalments with zero interest charges and low processing fees for up to 12 months. Simply call us or SMS ‘PPP’ to 2626 for a callback. For detailed list of participating partners, visit www.adcb.com/offers
0% interest on School Fee Payments
Does it feel like your child’s school fees are increasing? With your ADCB Credit Card you can convert your child’s school and college fees into installments with zero interest charges and low processing fees for up to 12 months. Simply call us or SMS ‘SCHOOL’ to 2626 for a callback
FlexiPay
Pay your credit card retail balance in small affordable monthly payments with FlexiPay. Low interest rates, zero documentation and repayment period up to 48 months. SMS FLEXIPAY to 2626 for a call back or apply through Personal Internet Banking. Visit www.adcb.com/flexipay for more details.
Purchase protection
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 5,000 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
Please visit https://cardholderbenefitsonline.com/ to learn more
Extended Warranty
Your ADCB Etihad Guest PlatinumCredit 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 2,500 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 Platinum 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.
Please visit https://cardholderbenefitsonline.com/ to learn more
Credit Shield with complimentary life cover
Credit Shield is an optional service which covers your 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 www.adcb.com/shield.
To apply for the ADCB Etihad Guest Platinum Credit Card you need to meet the following requirements:
- You should be at least 21 years old
- You need to have a minimum salary of AED 8,000 or be eligible for a credit limit of at least AED 15,000
For detailed fees and charges please click here.
For detailed and most updated terms and conditions on each of the features and benefits provided on your Credit Card as featured in this section, please click here. For Credit card general terms and conditions please click here. All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of ADCB. ADCB makes no warranties and assumes no liability in respect to the products and services provided by the vendors/partners/service providers. For more information, please call ADCB on 600 50 8008
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