You will receive 35,000 Etihad Guest Miles as welcome bonus 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.

Indulge yourself in a world of rewards. Your everyday expenses with the Etihad Guest Credit Card - whether it’s shopping, dining, entertainment or travel expenses anywhere in the world, 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.

Please note the following Etihad Guest Miles earn rate for select merchant categories:

• You will earn 1.25 miles for every 1 USD of spends at all retail purchases made at merchants based in Europe (i.e. countries which are part of European Economic Area).
• Earn 0.50 miles for every 1 USD of domestic spends at supermarkets, auto dealers, insurance, quick service restaurants (i.e. fast food restaurants).
• Earn 0.33 miles for every 1 USD of domestic spends at fuel, education, government services, real estate, tele communication, charity and transport.

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.

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 with your ADCB Etihad Guest Signature credit card also entitle you to Tier Miles, which help you progress to the next tier as well as maintaining your current tier status within the Etihad Guest program.

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 for Signature cardholders and will be valid for a 12-month period.

Your ADCB Etihad Guest Signature Credit Card enables fast-tracking of your tier status to the exclusive Etihad Guest Silver Tier when you fulfil either of the following criteria, You will be automatically upgraded to the Etihad Guest Silver Tier within two weeks of achieving either of these criteria:

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

If you are an existing Etihad Guest Silver Tier member, your membership status will remain unaffected.

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

As an ADCB Etihad Guest Signature Cardholder, you will enjoy up to 2 complimentary class upgrade vouchers which will allow you to upgrade your flight ticket from Economy to Business on any Etihad Airways flight with 50% less miles. For every incremental purchase of USD 35,000, you will receive one upgrade voucher from Etihad Airways.

The upgrade voucher will be available electronically on your Etihad Guest account 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 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 12-month period from the date of the ADCB Etihad Guest Card issuance date or 1st November 2019, whichever is later.

Enjoy complimentary unlimited airport lounge access at more than 1,000 airport lounges around the world

Simply present your ADCB Etihad Guest Visa Signature Credit 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 Etihad Guest Signature Credit 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

Your ADCB Etihad Guest Signature Credit 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
• 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 visit https://cardholderbenefitsonline.com

For any claims, you should email creditcardclaims@crawco.me 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 Avis President’s Club Membership through www.avisworld.com/visa

Tee off in style with your Etihad Guest Signature Credit Card. As a 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.

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 Etihad Signature Credit Card to get started.

For more terms and conditions, please visit: www.visa.com/EntertainerXperience

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

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 (in the UAE) or +971 4 361 1234 (outside the UAE). Alternatively, you can email concierge@visaSignature-mea.com.

• 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'

Your Etihad VISA Signature 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.

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 and college fee payments, Salik and credit card payments and redeem TouchPoints wherever you are.

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

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.

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

<p>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.</p>

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.

Beat the stress of paying back any of your high value purchases by converting transactions into personal payment plan at low interest rates with tenures 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

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

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.

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 visa@broadspire.eu 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

Your ADCB Etihad Guest Signature Credit 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 creditcardclaims@crawco.me 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

ADCB Etihad Guest Visa Signature cardholders are protected against unauthorized transactions or fraudulent use of their card by unrelated third parties.

This insurance benefit will provide reimbursement up to: USD 2,500 per occurrence with USD 4,000 annual aggregate limit for ADCB Etihad Guest Visa Signature cardholders

For any claims, you should email creditcardclaims@crawco.me with the following information:

• Cardholder’s name
• First 9 digits of covered card number
• Cardholder’s address

Please visit https://cardholderbenefitsonline.com/ to learn more

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.