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Emirates NBD Etihad Guest Visa Inspire vs FAB Etihad Guest Infinite

The same Etihad Guest Miles from two issuers, at very different fees.

Source record 1 Nov 2026 — terms pending

Our verdict

There is no defensible universal winner while the Inspire's product page and linked reward booklet disagree on some earning categories. Those disputed rows are held, not silently resolved in favour of the more attractive number. FAB's welcome wording also needs checking against the exact application offer.

Compare the known fees and the qualifying merchants first. Any optional paid earning enhancement needs its own current terms and cost calculation; it is not part of the default return. Issuer FX charges are not necessarily the complete conversion cost, and an upper bound cannot be ranked as a fixed fee.

Side by side

Emirates NBD Etihad Guest Visa Inspire and FAB Etihad Guest Infinite: fees, eligibility, earn rates and benefits
Measure
Card image: emiratesnbd.com
Card image: bankfab.com
Fees
Annual fee (year 2+) Annual fee year 2+ AED 735 (incl. VAT) ↗ AED 2,625 (incl. VAT)
Joining fee (year 1) Joining fee year 1 AED 1,575 (incl. VAT) —
Eligibility
Minimum salary Min salary AED 12,000/mo ↗ AED 30,000/mo
Earn
Top earn rate Top earn rate — Travel 7× per AED 10
Benefits
Welcome bonus Welcome bonus Up to 60,000 Etihad Guest Miles: 20,000 on joining-fee payment and 40,000 on AED 60,000 spend within 6 months. Silver fast-track requires an eligible return flight within 6 months. Welcome offer pending source review.
Lounge access Lounge access Pending Pending

Year one vs ongoing value

Adjust spend AED 7,800/month

Compare spend rewards minus card fees on eligible everyday UAE purchases.

Uses each card’s general rate, not boosted or reduced-rate categories, and assumes you pay the balance in full. Welcome offers, perks, paid add-ons, rebates and foreign-currency charges aren’t included. Issuer exclusions and credit limits still apply. Targeted or promotional fee waivers are not modelled unless stated on the estimate.

Model groceries, dining and other categories in the spend-return calculator →

Emirates NBD Etihad Guest Visa Inspire

Estimated spend value

First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver

Source-qualified reward rows are display-only; no universal all-spend rate or total return is assumed.

What’s included for Emirates NBD Etihad Guest Visa Inspire
Annual spend rewards
Not estimated
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 735

Confirm whether both joining and annual fees are due in year one.

The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.

Check issuer terms ↗

FAB Etihad Guest Infinite

Estimated spend value

First year
Not estimated
Standard renewal
-AED 1,970 Before any renewal waiver
What’s included for FAB Etihad Guest Infinite
Annual spend rewards
AED 655
First-year fee modelled
Confirm with issuer
Standard renewal fee
AED 2,625

Confirm the first-year annual fee and waiver conditions with the issuer.

Points use our published AED comparison baseline, not a cash payout.

The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.

Check issuer terms ↗

The full reviews

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