Abu Dhabi Islamic Bank (ADIB) ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic)
Islamic Personal Financing in Dubai
ADIB's co-branded covered card family with Etihad Airways' Etihad Guest program, in four tiers. Limited-time offers advertise up to 225,000 additional sign-up Miles across the family (up to 100,000 bonus Miles on the Infinite, 150,000 on Platinum promotions, 100,000 on Gold). The Infinite earns up to 3.5 Etihad Guest Miles per AED 4 spent plus 1 Tier Mile per AED 4, with fast track to Etihad Guest Gold, free companion ticket voucher, class upgrade voucher, airport transfers and unlimited lounge access with a guest. Platinum adds valet parking and lounge access with Gold fast track; Gold fast-tracks Silver; Classic is the entry Miles earner with roadside assistance.
For Etihad loyalists this is the strongest Islamic miles proposition in the UAE: a printed 3.5 Miles per AED 4 on the Infinite, sign-up bonuses that peak far above DIB's Skywards equivalents, and status fast-tracks that matter to weekly flyers. ADIB wins the earn-rate transparency battle but loses the structure one - DIB names Salam and publishes the full covered-card KFS mechanics, while ADIB's hub keeps the contract and fees in the tariff board. Frequent Etihad flyers should take this card family; structure purists should read the KFS before signing, and Dubai-based Emirates flyers belong at DIB or EI instead.
Pros
- Printed earn rate (3.5 per AED 4) beats DIB's undisclosed Skywards earn table for comparability
- Four tiers cover entry to ultra-premium
- Companion and upgrade vouchers add tangible annual value
Cons
- Underlying Islamic contract not named on the page
- Annual fees not printed on the hub (tariff board lookup required)
- Miles value depends on Etihad availability and program health
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Product Details
Structure
unspecified
Profit Structure
Covered card finance; miles-based rewards funded by the bank
Monthly Fee
Per ADIB tariff board by tier; not printed on cards hub
Abu Dhabi Islamic Bank (ADIB) in Dubai
Abu Dhabi Islamic Bank (ADIB)'s ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic) is available to Dubai residents, using a unspecified structure. Sale-based personal finance fixes the total price at signing; check the Key Facts Statement for the reducing rate, fees, and early settlement policy. Abu Dhabi Islamic Bank (ADIB) operates across the UAE, so Dubai residents have full access to this product.
Shariah Compliance & Oversight
ADIB's Internal Shari'a Supervisory Committee, published at adib.ae/en/about/internal-sharia-supervisory-committee (verified 2026-08-05): Prof. Dr. Mohammad Abdulrahim Sultan Al Olama (Chairman), Prof. Dr. Jasim Al Shamisi (Vice Chairman), Prof. Dr. Ashraf Hashim (Member), Dr. Ali Hussain Al Junaidi (Member) and Dr. Yasir Hassan Alhosani (Member). An Executive Committee of the ISSC comprises Al Olama (Chairman), Al Shamisi and Hashim. The committee's 2025 Annual Shariah Report is published on adib.ae and is also signed by Esam Mohammed Ishaaq as a committee member.
2026-08-05
Why It's Halal
These are covered cards, ADIB's Shariah-compliant alternative to credit cards, issued by a fully Islamic bank whose ISSC supervises all products and publishes an annual Shariah report; ADIB's covered card model provides finance through Islamic structures rather than interest-bearing revolving credit, with fees and profit disclosed in the banking services tariff board. The airline-miles reward layer is a bank-funded loyalty benefit, not riba on balances. Caveats: the cards hub does not name the specific contract used (DIB, by contrast, documents Salam for its covered cards), and full fee/profit mechanics live in the tariff board and KFS documents rather than on the page; confirm the contract and rates at application.
Regional Availability
Abu Dhabi Islamic Bank (ADIB) serves all of the UAE
✓ Available nationwide including Dubai
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NationwideFrequently Asked Questions
What is Abu Dhabi Islamic Bank (ADIB) ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic)?
Why is Abu Dhabi Islamic Bank (ADIB) ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic) considered halal?
Is Abu Dhabi Islamic Bank (ADIB) ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic) available in Dubai?
What Shariah oversight does Abu Dhabi Islamic Bank (ADIB) have?
What financing structure does Abu Dhabi Islamic Bank (ADIB) ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic) use?
How do I apply for Abu Dhabi Islamic Bank (ADIB) ADIB Etihad Guest Covered Cards (Infinite / Platinum / Gold / Classic) in Dubai?
Which Islamic banks are headquartered in Dubai?
What is special about the DIFC for halal finance?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.