Etihad Guest Ameera cashback rate, cap and annual fee
Etihad Guest Ameera pays 1.63% at Etihad Airways, and 9 other rates. The card costs AED 733.95 a year.
Emirates Islamic · United Arab Emirates · catalogue v101
Read from Emirates Islamic's own published terms on 19 Sep 2026.
AED 733.95Annual fee
1.63%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Etihad Airwaystravel | 1.63% | —Etihad Airways tickets. Published as 3 miles per USD 1, converted here at the dirham's 3.673 peg to the dollar. |
| non-dirham spendingtravel | 1.09% | —Anything bought in a currency other than the dirham, not only travel. The EEA and the UK earn 1.5 per USD instead, converted here at the dirham's 3.67 |
| everything else | 0.82% | —Everything else in dirhams. |
| groceries | 0.16% | —Supermarkets, at home or abroad, on the reduced band every card in this range shares. |
| fast-food restaurantsdining | 0.16% | —Fast-food restaurants only, on the same reduced band. A restaurant that is not fast food earns the general rate. |
| fuel | 0.16% | —Fuel, on the same reduced band. |
| education | 0.16% | —Education, on the same reduced band. |
| government | 0.16% | —Government services and utilities, on the same reduced band. |
| phone and internet | 0.16% | —Telecoms, on the same reduced band. |
| rent and property | 0.16% | —Real estate, on the same reduced band. |
Rate for rate the same card as the Saqer — Emirates Islamic prints one row for both — at a lower annual fee, so the benefits are the only thing the difference buys. Emirates Islamic publishes one table for all four Etihad Guest cards, per USD 1, and bills in dirhams — so these rates are that figure divided by 3.673: 3 miles per dollar at Etihad Airways, 2 on anything bought in another currency, 1.5 on dirham spending, 1.5 across the EEA and the UK. One reduced band of 0.3 miles per dollar covers supermarkets, cars, insurance, education, fuel, real estate, government, telecoms, fast food, utilities and charity — the same 0.3 on every card in the range, so the tier you pay for buys nothing at all in those categories. Emirates Islamic does not state the annual membership fee on this page, so the figure shown came from public comparison sources rather than the bank; confirm it before you apply. Source: emiratesislamic.ae Etihad Guest Ameera page and its shared Etihad Guest Miles earning table, read 19 Sep 2026.
Questions people ask
What cashback does the Etihad Guest Ameera pay?
1.63% at Etihad Airways, and 9 other rates.
Is there a cap on the Etihad Guest Ameera?
No monthly cap is published on the rates shown here.
What is the annual fee on the Etihad Guest Ameera?
AED 733.95 a year.
Knowing the rate is not the same as remembering it
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