ADIB Etihad Guest Gold cashback rate, cap and annual fee
ADIB Etihad Guest Gold pays 0.75% at non-dirham spending, and 7 other rates. The card costs AED 1,050 a year.
ADIB · United Arab Emirates · catalogue v101
Read from ADIB's own published terms on 19 Sep 2026.
AED 1,050Annual fee
0.75%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| non-dirham spendingtravel | 0.75% | —Anything bought in a currency other than the dirham, not only travel. The EEA and the UK earn 0.6 per AED 4 instead — about 40% of this. |
| everything else | 0.50% | —Everything else in dirhams. ADIB publishes 1 miles per AED 4. |
| groceries | 0.25% | —Supermarkets, which ADIB puts on its reduced list — so a grocery shop earns a fraction of ordinary spending. |
| government | 0.25% | —Government services, fines, taxes and utilities, on the same reduced list. |
| education | 0.25% | —Education, on the same reduced list. |
| fuel | 0.25% | —Petrol stations, on the same reduced list. |
| rent and property | 0.25% | —Estate agents, on the same reduced list. |
| public transport and road tollstravel | 0.25% | —Public transport, taxis, the Metro, Salik and road tolls, on the same reduced list. |
The entry card in ADIB's Etihad range, and an expensive one for what it earns. ADIB publishes this range per AED 4 rather than per dirham, so every rate here is that figure quartered: 1.5 on anything bought in another currency, 1 in dirhams and 0.5 on the reduced list. ADIB's reduced band is one list shared by every card in the range, and it is printed in the document's own footnote: supermarkets, government services, utilities, education, petrol stations, estate agents, public transport, Salik and road tolls, and charities. Supermarkets being on it is the part worth knowing — a grocery shop is the cheapest thing you can buy with most of these cards. Source: ADIB's own "Covered Cards - Features and Benefits" comparison document, version 11, February 2026, read 19 Sep 2026.
Questions people ask
What cashback does the ADIB Etihad Guest Gold pay?
0.75% at non-dirham spending, and 7 other rates.
Is there a cap on the ADIB Etihad Guest Gold?
No monthly cap is published on the rates shown here.
What is the annual fee on the ADIB Etihad Guest Gold?
AED 1,050 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
Download on the App Store