Abu Dhabi Islamic Bank
Etihad Guest Visa Gold Card
- Salary
- AED 5,000
- Fee
- AED 1,000
- Reward
- miles
Card comparison
Etihad Guest Visa Gold Card vs SIB Smiles Titanium Mastercard vs Skywards Signature Credit Card vs TouchPoints Titanium/ Gold Credit Card
Compare Etihad Guest Visa Gold Card from Abu Dhabi Islamic Bank, SIB Smiles Titanium Mastercard from Sharjah Islamic Bank, Skywards Signature Credit Card…
Abu Dhabi Islamic Bank
Etihad Guest Visa Gold Card
Sharjah Islamic Bank
SIB Smiles Titanium Mastercard
- Salary
- AED 5,000
- Fee
- AED 0
- Reward
- Not listed
Emirates Islamic
Skywards Signature Credit Card
- Salary
- AED 12,000
- Fee
- AED 735
- Reward
- Skywards Miles
Abu Dhabi Commercial Bank
TouchPoints Titanium/ Gold Credit Card
- Salary
- AED 5,000
- Fee
- Free
- Reward
- rewards
Side by side
Compare key facts
Etihad Guest Visa Gold CardAbu Dhabi Islamic BankSIB Smiles Titanium MastercardSharjah Islamic BankSkywards Signature Credit CardEmirates IslamicTouchPoints Titanium/ Gold Credit CardAbu Dhabi Commercial Bank
Rewards
Reward details
Etihad Guest Visa Gold Card
Miles- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Eligibility
Minimum Salary
Etihad Guest Visa Gold CardAED 5,000↓
SIB Smiles Titanium MastercardAED 5,000↓
Skywards Signature Credit CardAED 12,000↑
TouchPoints Titanium/ Gold Credit CardAED 5,000↓
Salary Transfer Required
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardNot listed
TouchPoints Titanium/ Gold Credit CardNo
Required Documents
Etihad Guest Visa Gold Card
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)
SIB Smiles Titanium Mastercard
- Application form
- Passport and Emirates ID copy
- Valid residence visa for expatriates
- Proof of income
- Bank statement
- Valid trade license for self-employed applicants
- Memorandum of association / partnership agreement / power of attorney where applicable
Skywards Signature Credit Card
- Salary Certificate / Payslip - Proof of income - minimumSalary: AED 12,000
- Valid Emirates ID - Proof of identity
- Bank Statements - Latest 3 months - sourceDocuments include bank statements
TouchPoints Titanium/ Gold Credit Card
- Valid Emirates ID - Mandatory - A valid Emirates ID
- Proof of income - Mandatory - Latest salary certificate or bank statements
- Passport copy - Mandatory - A copy of passport
Fees and rates
Annual Fee
Etihad Guest Visa Gold CardAED 1,000↑
SIB Smiles Titanium MastercardAED 0↓
Skywards Signature Credit CardAED 735•
TouchPoints Titanium/ Gold Credit CardFree
First Year Annual Fee
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardAED 0
TouchPoints Titanium/ Gold Credit CardNot listed
Foreign Transaction Fee
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium Mastercard2.5%•
Skywards Signature Credit Card2.34%↓
TouchPoints Titanium/ Gold Credit Card2.99%↑
APR
Etihad Guest Visa Gold Card45.63% APR↑
SIB Smiles Titanium Mastercard29.88% APR↓
Skywards Signature Credit Card44.28% APR•
TouchPoints Titanium/ Gold Credit Card44.28% APR•
Cash Advance Fee
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardAED 3.15•
Skywards Signature Credit CardAED 3.15•
TouchPoints Titanium/ Gold Credit CardNot listed
Cashback and rewards
Rewards
Etihad Guest Visa Gold Card
Miles- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Reward Rate
Etihad Guest Visa Gold Card
- Miles
- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Welcome Bonus
Etihad Guest Visa Gold Card
- Miles
- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles Titanium Mastercard
- 1 Smile per AED 2 - Earn 1 Smiles for every AED 2 spent locally
- 2 Smiles per AED 2 - Earn 2 Smiles for every AED 2 spent internationally
- 0.5 Smiles per AED 2 - Earn 0.5 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Miles
- Lounge
- Groceries
- Travel
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Travel
Airport Lounge Access
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit Cardmentioned
TouchPoints Titanium/ Gold Credit CardNot listed
Valet Parking
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit Card1 complimentary valet parking service per month
TouchPoints Titanium/ Gold Credit CardNot listed
Card Network
Etihad Guest Visa Gold CardVisa
SIB Smiles Titanium MastercardMastercard
Skywards Signature Credit CardVisa
TouchPoints Titanium/ Gold Credit CardMastercard
Card type
Sharia Compliant
Etihad Guest Visa Gold CardYes
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardYes
TouchPoints Titanium/ Gold Credit CardNo
Islamic
Etihad Guest Visa Gold CardYes
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardYes
TouchPoints Titanium/ Gold Credit CardNo
Other useful facts
Minimum Credit Limit
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardNot listed
TouchPoints Titanium/ Gold Credit CardAED 3,000
APR
Etihad Guest Visa Gold Card45.63%↑
SIB Smiles Titanium Mastercard29.88%↓
Skywards Signature Credit Card44.28%•
TouchPoints Titanium/ Gold Credit Card44.28%•
Monthly purchase rate
Etihad Guest Visa Gold Card3.75%↑
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardNot listed
TouchPoints Titanium/ Gold Credit Card3.69%↓
Movie Benefit
Etihad Guest Visa Gold CardNot listed
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardReel Cinemas
TouchPoints Titanium/ Gold Credit CardBuy1-Get1 free movie tickets at VOX cinemas
Minimum Payment
Etihad Guest Visa Gold CardInstalment amount + 5% of present balance, minimum AED 100
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit Card5% of closing balance outstanding or AED 100, whichever is higher
TouchPoints Titanium/ Gold Credit Card5% or AED 100, whichever is higher
V A T
Etihad Guest Visa Gold Card5%
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Damaged Card Fee Waiver
Etihad Guest Visa Gold CardYes
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
Death Benefit
Etihad Guest Visa Gold Card200% of Present Balance or AED 250,000
SIB Smiles Titanium MastercardNot listed
Skywards Signature Credit CardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Etihad Guest Visa Gold CardAbu Dhabi Islamic Bank | SIB Smiles Titanium MastercardSharjah Islamic Bank | Skywards Signature Credit CardEmirates Islamic | TouchPoints Titanium/ Gold Credit CardAbu Dhabi Commercial Bank |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 5,000↓ | AED 5,000↓ | AED 12,000↑ | AED 5,000↓ |
| Salary Transfer Required | Not listed | Not listed | Not listed | No |
| Required Documents |
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| Fees and rates | ||||
| Annual Fee | AED 1,000↑ | AED 0↓ | AED 735• | Free |
| First Year Annual Fee | Not listed | Not listed | AED 0 | Not listed |
| Foreign Transaction Fee | Not listed | 2.5%• | 2.34%↓ | 2.99%↑ |
| APR | 45.63% APR↑ | 29.88% APR↓ | 44.28% APR• | 44.28% APR• |
| Cash Advance Fee | Not listed | AED 3.15• | AED 3.15• | Not listed |
| Cashback and rewards | ||||
| Rewards |
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| Reward Rate |
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| Welcome Bonus |
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| Travel | ||||
| Airport Lounge Access | Not listed | Not listed | mentioned | Not listed |
| Valet Parking | Not listed | Not listed | 1 complimentary valet parking service per month | Not listed |
| Card Network | Visa | Mastercard | Visa | Mastercard |
| Card type | ||||
| Sharia Compliant | Yes | Not listed | Yes | No |
| Islamic | Yes | Not listed | Yes | No |
| Other useful facts | ||||
| Minimum Credit Limit | Not listed | Not listed | Not listed | AED 3,000 |
| APR | 45.63%↑ | 29.88%↓ | 44.28%• | 44.28%• |
| Monthly purchase rate | 3.75%↑ | Not listed | Not listed | 3.69%↓ |
| Movie Benefit | Not listed | Not listed | Reel Cinemas | Buy1-Get1 free movie tickets at VOX cinemas |
| Minimum Payment | Instalment amount + 5% of present balance, minimum AED 100 | Not listed | 5% of closing balance outstanding or AED 100, whichever is higher | 5% or AED 100, whichever is higher |
| V A T | 5% | Not listed | Not listed | Not listed |
| Damaged Card Fee Waiver | Yes | Not listed | Not listed | Not listed |
| Death Benefit | 200% of Present Balance or AED 250,000 | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Etihad Guest Visa Gold CardMiles · Lounge · Travel
|
Abu Dhabi Islamic Bank | AED 1,000 | AED 5,000 | 45.63% APR | Not listed |  Miles Lounge Travel Islamic Low fee | Visa | Details | |
|
SIB Smiles Titanium MastercardMiles · Lounge · Groceries
|
Sharjah Islamic Bank | AED 0 | AED 5,000 | 29.88% APR | AED 1 | MilesLounge GroceriesTravelIslamicLow fee | Mastercard | Details | |
|
Skywards Signature Credit CardMiles · Lounge · Travel
|
Emirates Islamic | AED 735 | AED 12,000 | 44.28% APR | Up to 1.5 Skywards Miles per USD spent | MilesLoungeTravel CinemaIslamicLow fee | Visa | Details | |
|
TouchPoints Titanium/ Gold Credit CardMiles · Lounge · Dining
|
Abu Dhabi Commercial Bank | Free | AED 5,000 | 44.28% APR | Not listed | MilesLounge DiningTravelCinemaIslamicLow fee | Mastercard | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.