Emirates Islamic
Etihad Guest Premium Credit Card
- Salary
- AED 20,000
- Fee
- AED 2,625
- Reward
- Etihad Guest Miles
Card comparison
Etihad Guest Premium Credit Card vs Traveller Credit Card vs Flex Elite Covered Card vs Citi Ultima Credit Card
Compare Etihad Guest Premium Credit Card from Emirates Islamic, Traveller Credit Card from Abu Dhabi Commercial Bank, Flex Elite Covered Card from Emirates…
Emirates Islamic
Etihad Guest Premium Credit Card
Abu Dhabi Commercial Bank
Traveller Credit Card
- Salary
- AED 20,000
- Fee
- AED 1,575
- Reward
- cashback
Emirates Islamic
Flex Elite Covered Card
- Salary
- AED 15,000
- Fee
- AED 735
- Reward
- EI SmartMiles
Citibank UAE
Citi Ultima Credit Card
- Salary
- AED 36,750
- Fee
- AED 3,000
- Reward
- miles
Side by side
Compare key facts
Etihad Guest Premium Credit CardEmirates IslamicTraveller Credit CardAbu Dhabi Commercial BankFlex Elite Covered CardEmirates IslamicCiti Ultima Credit CardCitibank UAE
Rewards
Reward details
Etihad Guest Premium Credit Card
Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Eligibility
Minimum Salary
Etihad Guest Premium Credit CardAED 20,000•
Traveller Credit CardAED 20,000•
Flex Elite Covered CardAED 15,000↓
Citi Ultima Credit CardAED 36,750↑
Salary Transfer Required
Etihad Guest Premium Credit CardNot listed
Traveller Credit CardNo
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
Required Documents
Etihad Guest Premium Credit Card
Proof of salary - Latest salary certificate or payslips - Minimum salary of AED 20,000- ID proof - Valid Emirates ID or passport - A valid passport or Emirates ID
- Address proof - Utility bill or tenancy contract - Proof of address such as utility bill or tenancy contract
Traveller Credit Card
- Valid Emirates ID - Proof of identity
- Latest 3 months salary certificate - Proof of income
- Bank statements for last 3 months - Proof of financial stability - Latest 3 months bank statements
Flex Elite Covered Card
- Proof of salary - Latest salary certificate or payslips - Proof of salary: latest salary certificate or payslips
- Identity proof - Valid Emirates ID or passport
- Address proof - Utility bill or tenancy contract
Citi Ultima Credit CardNot listed
Fees and rates
Annual Fee
Etihad Guest Premium Credit CardAED 2,625•
Traveller Credit CardAED 1,575•
Flex Elite Covered CardAED 735↓
Citi Ultima Credit CardAED 3,000↑
First Year Annual Fee
Etihad Guest Premium Credit CardAED 0•
Traveller Credit CardNot listed
Flex Elite Covered CardAED 0•
Citi Ultima Credit CardNot listed
Foreign Transaction Fee
Etihad Guest Premium Credit Card2.34%↓
Traveller Credit Card2.99%↑
Flex Elite Covered Card2.34%↓
Citi Ultima Credit Card2.99%↑
APR
Etihad Guest Premium Credit Card44.28% APR↑
Traveller Credit Card44.28% APR↑
Flex Elite Covered Card44.28% APR↑
Citi Ultima Credit Card42% APR↓
Cash Advance Fee
Etihad Guest Premium Credit CardAED 3.15↑
Traveller Credit CardNot listed
Flex Elite Covered CardAED 3.15↑
Citi Ultima Credit CardAED 3↓
Late Payment Fee
Etihad Guest Premium Credit CardNot listed
Traveller Credit CardNot listed
Flex Elite Covered CardNot listed
Citi Ultima Credit CardAED 230
Cashback and rewards
Cashback details
Etihad Guest Premium Credit Card
- Cashback
Traveller Credit Card
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- 10% cashback on airline tickets
- 10% cashback on hotel stays
- 10% cashback on airline tickets in AED and non-AED spends
- 10% cashback on hotel stays in AED and non-AED spends
- 50% cashback on movies tickets on AED spends
Flex Elite Covered Card
- Cashback
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
Rewards
Etihad Guest Premium Credit Card
Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Reward Rate
Etihad Guest Premium Credit Card
- Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent
- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Welcome Bonus
Etihad Guest Premium Credit Card
- Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent
- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Traveller Credit Card
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Cashback
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Travel
Airport Lounge Access
Etihad Guest Premium Credit Cardmentioned
Traveller Credit Cardmentioned
Flex Elite Covered CardUnlimited access to 1,200+ lounges worldwide
Citi Ultima Credit CardYes
Travel Insurance
Etihad Guest Premium Credit CardNot listed
Traveller Credit Cardmentioned
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
Card Network
Etihad Guest Premium Credit CardVisa
Traveller Credit CardMastercard
Flex Elite Covered CardVisa
Citi Ultima Credit CardMastercard World Elite
Lifestyle
Concierge
Etihad Guest Premium Credit CardNot listed
Traveller Credit Cardmentioned
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
Card type
Sharia Compliant
Etihad Guest Premium Credit CardYes
Traveller Credit CardNo
Flex Elite Covered CardYes
Citi Ultima Credit CardNot listed
Islamic
Etihad Guest Premium Credit CardYes
Traveller Credit CardNo
Flex Elite Covered CardYes
Citi Ultima Credit CardNot listed
Other useful facts
Minimum Credit Limit
Etihad Guest Premium Credit CardNot listed
Traveller Credit CardAED 30,000
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
APR
Etihad Guest Premium Credit Card44.28%↑
Traveller Credit Card44.28%↑
Flex Elite Covered Card44.28%↑
Citi Ultima Credit Card42%↓
Monthly purchase rate
Etihad Guest Premium Credit CardNot listed
Traveller Credit Card3.69%↑
Flex Elite Covered CardNot listed
Citi Ultima Credit Card3.5%↓
Movie Benefit
Etihad Guest Premium Credit CardMovie Offers
Traveller Credit Card50% cashback on movies tickets in AED spends
Flex Elite Covered CardRoxy Cinemas
Citi Ultima Credit CardNot listed
Annual Fee First Year
Etihad Guest Premium Credit Card0%
Traveller Credit CardNot listed
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
Annual Fee Subsequent
Etihad Guest Premium Credit Card1,500%
Traveller Credit CardNot listed
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
Earn Rate
Etihad Guest Premium Credit Card3.5%↓
Traveller Credit CardNot listed
Flex Elite Covered Card3.75%↑
Citi Ultima Credit CardNot listed
Fast Track Gold
Etihad Guest Premium Credit CardYes
Traveller Credit CardNot listed
Flex Elite Covered CardNot listed
Citi Ultima Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelLifestyleCard typeOther useful facts
| Field | Etihad Guest Premium Credit CardEmirates Islamic | Traveller Credit CardAbu Dhabi Commercial Bank | Flex Elite Covered CardEmirates Islamic | Citi Ultima Credit CardCitibank UAE |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
|
|
|
|
| Eligibility | ||||
| Minimum Salary | AED 20,000• | AED 20,000• | AED 15,000↓ | AED 36,750↑ |
| Salary Transfer Required | Not listed | No | Not listed | Not listed |
| Required Documents |
|
|
| Not listed |
| Fees and rates | ||||
| Annual Fee | AED 2,625• | AED 1,575• | AED 735↓ | AED 3,000↑ |
| First Year Annual Fee | AED 0• | Not listed | AED 0• | Not listed |
| Foreign Transaction Fee | 2.34%↓ | 2.99%↑ | 2.34%↓ | 2.99%↑ |
| APR | 44.28% APR↑ | 44.28% APR↑ | 44.28% APR↑ | 42% APR↓ |
| Cash Advance Fee | AED 3.15↑ | Not listed | AED 3.15↑ | AED 3↓ |
| Late Payment Fee | Not listed | Not listed | Not listed | AED 230 |
| Cashback and rewards | ||||
| Cashback details |
|
|
|
|
| Rewards |
|
|
|
|
| Reward Rate |
|
|
|
|
| Welcome Bonus |
|
|
|
|
| Travel | ||||
| Airport Lounge Access | mentioned | mentioned | Unlimited access to 1,200+ lounges worldwide | Yes |
| Travel Insurance | Not listed | mentioned | Not listed | Not listed |
| Card Network | Visa | Mastercard | Visa | Mastercard World Elite |
| Lifestyle | ||||
| Concierge | Not listed | mentioned | Not listed | Not listed |
| Card type | ||||
| Sharia Compliant | Yes | No | Yes | Not listed |
| Islamic | Yes | No | Yes | Not listed |
| Other useful facts | ||||
| Minimum Credit Limit | Not listed | AED 30,000 | Not listed | Not listed |
| APR | 44.28%↑ | 44.28%↑ | 44.28%↑ | 42%↓ |
| Monthly purchase rate | Not listed | 3.69%↑ | Not listed | 3.5%↓ |
| Movie Benefit | Movie Offers | 50% cashback on movies tickets in AED spends | Roxy Cinemas | Not listed |
| Annual Fee First Year | 0% | Not listed | Not listed | Not listed |
| Annual Fee Subsequent | 1,500% | Not listed | Not listed | Not listed |
| Earn Rate | 3.5%↓ | Not listed | 3.75%↑ | Not listed |
| Fast Track Gold | Yes | 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 Premium Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 2,625 | AED 20,000 | 44.28% APR |
|       | Visa | Details | |
Traveller Credit CardCashback · Lounge · Groceries
|
Abu Dhabi Commercial Bank | AED 1,575 | AED 20,000 | 44.28% APR |
|  | Mastercard | Details | |
Flex Elite Covered CardCashback · Miles · Lounge
|
Emirates Islamic | AED 735 | AED 15,000 | 44.28% APR |
| | Visa | Details | |
Citi Ultima Credit CardCashback · Miles · Lounge
|
Citibank UAE | AED 3,000 | AED 36,750 | 42% APR |
| | Mastercard World Elite | 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.
Side by side
Comparison table
Select up to four products above.
Check before you apply
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.