Abu Dhabi Islamic Bank
Etihad Guest Visa Infinite Covered Card
- Salary
- AED 5,000
- Fee
- AED 3,000
- Reward
- miles
Card comparison
Etihad Guest Visa Infinite Covered Card vs TouchPoints Titanium/ Gold Credit Card vs SIB Smiles Titanium Mastercard vs Betaqti Credit Card
Compare Etihad Guest Visa Infinite Covered Card from Abu Dhabi Islamic Bank, TouchPoints Titanium/ Gold Credit Card from Abu Dhabi Commercial Bank, SIB…
Abu Dhabi Islamic Bank
Etihad Guest Visa Infinite Covered Card
Abu Dhabi Commercial Bank
TouchPoints Titanium/ Gold Credit Card
- Salary
- AED 5,000
- Fee
- Free
- Reward
- rewards
Sharjah Islamic Bank
SIB Smiles Titanium Mastercard
- Salary
- AED 5,000
- Fee
- AED 0
- Reward
- Not listed
Abu Dhabi Commercial Bank
Betaqti Credit Card
- Salary
- AED 10,000
- Fee
- AED 2,100
- Reward
- rewards
Side by side
Compare key facts
Etihad Guest Visa Infinite Covered CardAbu Dhabi Islamic BankTouchPoints Titanium/ Gold Credit CardAbu Dhabi Commercial BankSIB Smiles Titanium MastercardSharjah Islamic BankBetaqti Credit CardAbu Dhabi Commercial Bank
Rewards
Reward details
Etihad Guest Visa Infinite Covered Card
Miles- Lounge
- Travel
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- 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
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Eligibility
Minimum Salary
Etihad Guest Visa Infinite Covered CardAED 5,000↓
TouchPoints Titanium/ Gold Credit CardAED 5,000↓
SIB Smiles Titanium MastercardAED 5,000↓
Betaqti Credit CardAED 10,000↑
Salary Transfer Required
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit CardNo
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardNo
Required Documents
Etihad Guest Visa Infinite Covered 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)
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
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
Betaqti Credit Card
- Valid Emirates ID - Must be valid and current
- Proof of income - Latest salary certificate or proof of employment - proof of income
- Bank statements - Latest 3 months bank statements
Fees and rates
Annual Fee
Etihad Guest Visa Infinite Covered CardAED 3,000↑
TouchPoints Titanium/ Gold Credit CardFree
SIB Smiles Titanium MastercardAED 0↓
Betaqti Credit CardAED 2,100•
Foreign Transaction Fee
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit Card2.99%↑
SIB Smiles Titanium Mastercard2.5%↓
Betaqti Credit Card2.99%↑
APR
Etihad Guest Visa Infinite Covered Card45.63% APR↑
TouchPoints Titanium/ Gold Credit Card44.28% APR•
SIB Smiles Titanium Mastercard29.88% APR↓
Betaqti Credit Card44.28% APR•
Cash Advance Fee
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardAED 3.15
Betaqti Credit CardNot listed
Cashback and rewards
Rewards
Etihad Guest Visa Infinite Covered Card
Miles- Lounge
- Travel
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- 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
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Reward Rate
Etihad Guest Visa Infinite Covered Card
- Miles
- Lounge
- Travel
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- 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
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Welcome Bonus
Etihad Guest Visa Infinite Covered Card
- Miles
- Lounge
- Travel
- Islamic
- Low fee
TouchPoints Titanium/ Gold Credit Card
- Miles
- Lounge
- Dining
- Travel
- Cinema
- 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
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Travel
Airport Lounge Access
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardNot listed
Betaqti Credit Cardmentioned
Travel Insurance
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardNot listed
Betaqti Credit Cardmentioned
Card Network
Etihad Guest Visa Infinite Covered CardVisa
TouchPoints Titanium/ Gold Credit CardMastercard
SIB Smiles Titanium MastercardMastercard
Betaqti Credit CardMastercard
Lifestyle
Concierge
Etihad Guest Visa Infinite Covered CardPremium travel and concierge style benefits
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardNot listed
Betaqti Credit Cardmentioned
Card type
Sharia Compliant
Etihad Guest Visa Infinite Covered CardYes
TouchPoints Titanium/ Gold Credit CardNo
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardNo
Islamic
Etihad Guest Visa Infinite Covered CardYes
TouchPoints Titanium/ Gold Credit CardNo
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardNo
Other useful facts
Minimum Credit Limit
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit CardAED 3,000↓
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardAED 20,000↑
APR
Etihad Guest Visa Infinite Covered Card45.63%↑
TouchPoints Titanium/ Gold Credit Card44.28%•
SIB Smiles Titanium Mastercard29.88%↓
Betaqti Credit Card44.28%•
Monthly purchase rate
Etihad Guest Visa Infinite Covered Card3.75%↑
TouchPoints Titanium/ Gold Credit Card3.69%↓
SIB Smiles Titanium MastercardNot listed
Betaqti Credit Card3.69%↓
Movie Benefit
Etihad Guest Visa Infinite Covered CardNot listed
TouchPoints Titanium/ Gold Credit CardBuy1-Get1 free movie tickets at VOX cinemas
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardBuy1-Get1 free at VOX cinemas
Minimum Payment
Etihad Guest Visa Infinite Covered CardInstalment amount + 5% of present balance, minimum AED 100
TouchPoints Titanium/ Gold Credit Card5% or AED 100, whichever is higher
SIB Smiles Titanium MastercardNot listed
Betaqti Credit Card5% or AED 100, whichever is higher
V A T
Etihad Guest Visa Infinite Covered Card5%
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardNot listed
Damaged Card Fee Waiver
Etihad Guest Visa Infinite Covered CardYes
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardNot listed
Death Benefit
Etihad Guest Visa Infinite Covered Card200% of Present Balance or AED 250,000
TouchPoints Titanium/ Gold Credit CardNot listed
SIB Smiles Titanium MastercardNot listed
Betaqti Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelLifestyleCard typeOther useful facts
| Field | Etihad Guest Visa Infinite Covered CardAbu Dhabi Islamic Bank | TouchPoints Titanium/ Gold Credit CardAbu Dhabi Commercial Bank | SIB Smiles Titanium MastercardSharjah Islamic Bank | Betaqti Credit CardAbu Dhabi Commercial Bank |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 5,000↓ | AED 5,000↓ | AED 5,000↓ | AED 10,000↑ |
| Salary Transfer Required | Not listed | No | Not listed | No |
| Required Documents |
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| Fees and rates | ||||
| Annual Fee | AED 3,000↑ | Free | AED 0↓ | AED 2,100• |
| Foreign Transaction Fee | Not listed | 2.99%↑ | 2.5%↓ | 2.99%↑ |
| APR | 45.63% APR↑ | 44.28% APR• | 29.88% APR↓ | 44.28% APR• |
| Cash Advance Fee | Not listed | Not listed | 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 | Not listed | mentioned |
| Travel Insurance | Not listed | Not listed | Not listed | mentioned |
| Card Network | Visa | Mastercard | Mastercard | Mastercard |
| Lifestyle | ||||
| Concierge | Premium travel and concierge style benefits | Not listed | Not listed | mentioned |
| Card type | ||||
| Sharia Compliant | Yes | No | Not listed | No |
| Islamic | Yes | No | Not listed | No |
| Other useful facts | ||||
| Minimum Credit Limit | Not listed | AED 3,000↓ | Not listed | AED 20,000↑ |
| APR | 45.63%↑ | 44.28%• | 29.88%↓ | 44.28%• |
| Monthly purchase rate | 3.75%↑ | 3.69%↓ | Not listed | 3.69%↓ |
| Movie Benefit | Not listed | Buy1-Get1 free movie tickets at VOX cinemas | Not listed | Buy1-Get1 free at VOX cinemas |
| Minimum Payment | Instalment amount + 5% of present balance, minimum AED 100 | 5% or AED 100, whichever is higher | Not listed | 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 Infinite Covered CardMiles · Lounge · Travel
|
Abu Dhabi Islamic Bank | AED 3,000 | AED 5,000 | 45.63% APR |
|      | Visa | Details | |
TouchPoints Titanium/ Gold Credit CardMiles · Lounge · Dining
|
Abu Dhabi Commercial Bank | Free | AED 5,000 | 44.28% APR |   | Mastercard | Details | ||
|
SIB Smiles Titanium MastercardMiles · Lounge · Groceries
|
Sharjah Islamic Bank | AED 0 | AED 5,000 | 29.88% APR |
|  | Mastercard | Details | |
Betaqti Credit CardMiles · Lounge · Travel
|
Abu Dhabi Commercial Bank | AED 2,100 | AED 10,000 | 44.28% APR | | 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.