Last Updated on 11 February 2026
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I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
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FAB Etihad Guest Account
Etihad Guest Account
Features
- Account available in UAE Dirham (AED) only
- Opportunity to receive up to 10× your average balance, capped at AED 500,000 (subject to campaign terms)
- No minimum balance requirement
- Earn 500 bonus Etihad Guest Miles when your first salary is credited
- First cheque book issued free
- First international remittance per month free (FAB charges waived on AED SWIFT transfers only; not applicable for Instant Transfers)
- Four free local fund transfers per month
- Earn 1.5 Etihad Guest Miles for every AED 1,000 of average monthly balance (up to 5,000 miles per month)
- Free Etihad Guest Platinum Debit Card
- Unlimited free cash withdrawals at FAB ATMs in the UAE
- Two free withdrawals per month at non-FAB ATMs in the UAE
- ATM withdrawal limit: AED 20,000
- Retail purchase limit: AED 40,000
- For salaried customers: Minimum monthly salary must be AED 10,000
- For non-salaried customers: Minimum initial deposit must be AED 10,000
- There is no minimum balance requirement. However, to earn Etihad Guest Miles on your balance, you must maintain an average monthly balance of AED 10,000.
Required Documents
- Completed account opening form
- Valid passport
- UAE residence visa
- Emirates ID (original must be presented)
- Proof of income
Main Benefits
- You earn Etihad Guest Miles simply by maintaining your balance and using your debit card
- You receive a welcome bonus of 500 Etihad Guest Miles on your first debit card purchase
- You earn miles on spending:
- Get 2 miles for every AED 10 spent locally
- Get 2.5 miles for every AED 10 spent internationally
- Get 4 miles for every AED 10 spent on Etihad Airways or its partners
- You earn miles on your balance when you maintain an average monthly balance above AED 10,000
- You do not pay minimum balance maintenance charges
- You get travel-related benefits such as:
- Global purchase protection
- Extended warranty on eligible purchases
- Complimentary international medical and travel assistance
- You enjoy convenient ATM access across the UAE
Frequently Asked Questions
Q. Can I avail the cash withdrawal facility at the ATM?
A. Yes. You can avail the cash withdrawal facility at the ATM.
Q. What is the maximum Etihad guest miles that can be availed?
A. Per month maximum of 5000 Etihad miles will be provided.
Q. Can I transfer salary to this account?
A. Yes. You can avail this FAB account as salary transfer account.
Q. What does the 10× average balance offer mean?
A. It means that under an active campaign, you may receive a promotional credit equal to up to 10 times your average account balance, capped at AED 500,000. This depends on the campaign terms and eligibility.
Q. Do I need to maintain a minimum balance?
A. No, there is no minimum balance requirement. However, you need to maintain an average monthly balance of AED 10,000 if you want to earn Etihad Guest Miles on your balance.
Q. How do I earn Etihad Guest Miles with this account?
A. You earn miles through debit card spending and by maintaining an eligible average monthly balance.
Q. How many miles can I earn from my balance?
A. You earn 1.5 miles for every AED 1,000 of average monthly balance, up to a maximum of 5,000 miles per month.
Q. Are ATM withdrawals free?
A. Yes. Withdrawals are unlimited and free at FAB ATMs in the UAE. You also get two free withdrawals per month at non-FAB ATMs within the UAE.
Q. What travel protections are included with the debit card?
A. The Etihad Guest Platinum Debit Card offers global purchase protection, extended warranty coverage, and complimentary international medical and travel assistance.
FAB
First Abu Dhabi Bank (FAB) is one of the largest banking institutions established in 2017 and is a merger of NBAD and FGB. FAB offers tailor made solutions, products and services to the customers.The international network of FAB is spread over 5 continents providing global relationships, expertise and financial strength to local and international business. FAB offers its diversifying services by having differentiation, agility and innovation as their main motto and vision
Get in touch with FAB Customer Care