Etihad ClassicEarn a welcome bonus of 10,000 Etihad Guest Miles – one of the highest rewarding travel cards in the region! Earn up to ​1​ Etihad Guest Miles for every AED 4 spent.​

  • Welcome bonus of 10,000 Etihad Guest Miles – one of the highest of any travel card in the Middle East!
  • International Non​​​​-AED Transactions: Receive 1 Etihad Guest Miles for every AED 4 equivalent spent*
  • Local AED Transactions: Receive up to 0.75 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Free roadside assistance
  • Withdraw 100% of your finance limit as cash
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends. Click here​ to redeem your Etihad Guest Miles.
  • Pay your ADIB Etihad Guest Covered Card Annual fees using 15,150 Etihad Guest Miles (click here to pay).

*Specific merchants in the following categories will receive 0.25 Etihad Guest Miles per AED 4 (or equivalent) for AED and non – AED transactions: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organisation.

Dear Customer your ADIB Travel Desk service have been discontinued. Please visit our offer and promotions page to explore attractive offers as an ADIB covered card holder



ADIB Etihad Guest Miles
As a welcome bonus, you will receive 10,000 Etihad Guest Miles – enough for a return trip from Abu Dhabi to Bahrain, Riyadh, Doha, Dammam, Kuwait, or Muscat. Every purchase you make with your ADIB Etihad Guest Classic Card you will earn up to 1 Etihad Guest Miles for every AED 4 spent (to a maximum of 100,000 Miles per month). That means every transaction brings benefits. What’s more, with the unique “Miles plus Cash” feature of Etihad Guest, you can travel to any destination on the Etihad Airways network.

Roadside Assistance package includes:
  • Up to 5 times City Limit Towing Services in a year
  • Free Jump Start Services
  • Free Flat Tyre Service
  • Free Lock Out Service
  • Free Fuel Delivery Service
  • To avail roadside assistance service please call 800-4662
Advanced Technology
Advanced technology means both advanced safety and greater convenience. With Chip&Pin and Contactless technology, your Card is one of the most advanced in the world.​​​​​​
For your convenience there are numerous ways to make your ADIB Covered Card Payment.
Click here for a list of all the Covered Card payment options ​​​

Fees and Charges


Covered Card Annual Fee 500 (15)
5th Supplementary Card Annual Fee (3) 500 (15)
Monthly Profit Rate (W/ Salary Transfer) 2.99%
Monthly Profit Rate (W/O Salary Transfer) 3.09%
Cash Withdrawal Limit 100%
ATM Cash Withdrawal Fee (4) 3% minimum 99
Card Replacement Fee (5) 75
Transfer of Excess Funds over the Cash Cover from Card to Account 100*
Minimum Monthly Payment 5% minimum 100
Grace Period For Monthly Payment Up to 55 days
Donation Commitment to Charity in case of Late Payment Event (6)100
Temporary Increase Limit Fee 50
Non-AED Transaction Service Fee (7) 3.1%
AED International Transaction Service Fee (8 1.8%
Copy of Sales Receipt Fee 25
Copy of Travel Fares / Hotel Receipt Fee 25
Liability / No Liability Letter 50
Copy of Additional Statement Fee 45
Returned Cheque Fee 100
Monthly Takaful Protection Contribution Amount (Optional) (9) 0.77 fils per 100 of the utilized cover amount

*Transfer of Excess Funds over the Cash Cover from Card to Account with fee of AED 100 is only applicable on exception when processed through ADIB Branch or ADIB Call Centre. Standard cash withdrawal fee is applicable on Card to Account Transfer performed through ADIB ATM/Online/Digital Channels.

All of the above currencies are in AED unless mentioned otherwise


(3) Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.

(4) Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account. This will also include all Transactions at merchants classified as "Security Brokers/Dealers" (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme.

(5) For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch.

(6) If agreed upon with the customer and stipulated in the relevant document

(7) Added to the Non-AED transactions' wholesale foreign exchange market spot rate that is selected and applied by Visa on the date of conversion.

(8) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED.

(9) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For Takaful products, all contribution amounts are inclusive of VAT if applicable. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card.

(15) For ADIB Etihad Guest Self-funded Card, ADIB Etihad Guest Classic Card Annual fees is AED 200, ADIB Etihad Guest Gold Card is AED 350 and ADIB Etihad Guest Visa Platinum Card is AED 700.

With effect from 1st January 2018, a standard rate of 5% Value Added Tax ( VAT ) applies on the above fees as per the UAE VAT Law (Federal Decree-Law No (8) of 2017 on Value Added Tax) and shall be added on the top of the above fees that are subject to VAT and shall be payable on the same due date of such fees


Required Documents

  • ​Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer​ (not more than 30 days old)​​