First Abu Dhabi Bank (FAB) Credit Cards

Minimum Salary
0,00 د.إ

Description

FAB offers a broad portfolio of conventional and Islamic credit cards—including Cashback, Rewards, Travel, Lifestyle, and Co-Brand variants—each featuring competitive finance charges, clear fee schedules, transparent eligibility requirements, defined documentation criteria, and specific spend thresholds for welcome bonuses or annual fee waivers. Matching your income level and spend profile to a card’s rewards structure maximizes value.

Features

Card Summary Table

Card Name	Min. Income (AED)	Annual Fee (AED)	Finance Charge (Retail/month)	Welcome / Bonus Offer	Min. Spend for Bonus / Fee Waiver
FAB Cashback	5,000	300	3.85%	AED 300 back on AED 6,000 spend in 90 days	AED 6,000 in 90 days
FAB Cashback Islamic	5,000	300 (salary transfer*) / 500 (expat)	3.85%	AED 300 back on AED 6,000 spend in 90 days	AED 6,000 in 90 days
FAB Rewards Elite	20,000 (nationals) / 30,000 (expats)	600 (salary transfer*) / 800 (expat)	3.99%	25,000 FAB Rewards on AED 10,000 spend in 90 days	AED 10,000 in 90 days
FAB Rewards Infinite	20,000 / 30,000	400 / 600	3.99%	15,000 FAB Rewards on AED 7,500 spend in 90 days	AED 7,500 in 90 days
FAB Rewards Signature	15,000 / 20,000	300 / 400	3.99%	10,000 FAB Rewards on AED 5,000 spend in 90 days	AED 5,000 in 90 days
Etihad Guest Infinite	20,000 / 30,000	2,500	3.99%	Up to 220,000 bonus miles on issuance and spend	Varies by tier†
Etihad Guest Signature	15,000 / 20,000	1,500	3.99%	Up to 125,000 bonus miles on issuance and spend	Varies by tier†
Blue FAB Infinite (Al-Futtaim)	6,000	Free	3.99%	AED 200 back on AED 3,000 spend in 60 days	AED 3,000 in 60 days
Blue FAB Signature (Al-Futtaim)	6,000	Free	3.99%	AED 150 back on AED 2,500 spend in 60 days	AED 2,500 in 60 days
Blue FAB Platinum (Al-Futtaim)	6,000	Free	3.99%	AED 100 back on AED 2,000 spend in 60 days	AED 2,000 in 60 days
FAB Low Rate	10,000	300	1.99%–3.75%	0% BT up to 18 mo (nationals) / 12 mo (expats)	N/A
FAB SHARE Signature	5,000	300	3.85%	2,000 SHARE points on AED 1,500 spend in 90 days	AED 1,500 in 90 days
FAB GEMS Titanium	5,000	Free	3.85%	Up to 20% off school fees and family spend	N/A
du Credit Card	5,000	Free	3.85%	15% back on du spends + 0% EPP on device & bills	N/A
Manchester City Titanium	6,000	Free	3.85%	10x FAB Rewards at sports stores + fan experiences	N/A

*Salary transfer customers. †Card-specific tiered welcome offers per Etihad Guest criteria.

(Data from FAB Key Facts Statement)

Finance Charges & Key Fees

Retail Purchases:85%–3.99% per month (varies by card; 1.99% for Low Rate card)
Cash Advances:15% of amount or AED 105 (whichever higher)
Balance Transfer (BT):
- 0% for up to 3 months on select cards; 0.99%–1.05% fee for longer tenors
- FAB Low Rate: 0% up to 18 months (nationals) / 12 months (expats)
Foreign Currency Transactions:49%–3.50% (0% on Travel cards and Low Rate card)
Grace Period: Up to 25 days from statement date on purchases if full balance paid by due date
Minimum Payment: 5% of statement balance or AED 100 (whichever higher)
Late Payment Fee: AED 241.50
Overlimit Fee: AED 302.40
Paper Statement Fee: AED 26.25
Duplicate Statement: AED 52.50
Copy of Sales Voucher: AED 52.50
Card Replacement Fee: AED 78.75
PIN Replacement Fee: AED 52.50
Temporary Limit Increase: AED 52.50
Transaction Dispute Fee: AED 52.50
Easy Payment Plan Deferment: AED 220.50
Cheque Returned Fee: AED 105.00

(All fees inclusive of VAT)

Eligibility Criteria

Age: 21–65 years
Residency: Valid UAE residency visa & Emirates ID
Income Requirements: Card-dependent (AED 5,000–30,000)
Employment: Salaried with salary transfer to FAB for enhanced rates, or self-employed with audited financials
Credit Profile: Clean repayment history; acceptable AECB report

Documents Required

Passport copy with valid UAE visa page
Emirates ID (front and back)
Salary certificate and latest 3 months’ bank statements (for salaried)
Salary transfer mandate (payroll cards) or audited financial statements (self-employed)
Completed FAB credit card application form

Additional Info

Cashback Cards (FAB Cashback / Islamic)

Tiered Cashback:
- 5% on groceries & fuel
- 3% on dining & education
- 1% on all other retail
Welcome Reward: AED 300 back on AED 6,000 spend in 90 days
Fee Waiver: First-year free; annual fee rebated upon meeting spend criteria

Rewards Series (Elite / Infinite / Signature)

FAB Rewards Points:
- 1 point per AED 1 on local retail; 2 points on international
Welcome Bonus: 10,000–25,000 points on specified spends
Lifestyle Privileges: Dining, entertainment, wellness discounts
0% EPP & BT: 0% profit plans up to 24 months on selected cards

Travel & Co-Brand (Etihad / Blue FAB / Manchester City)

Bonus Miles / Points: Up to 220,000 Etihad Guest miles; 20,000–30,000 loyalty points
Lounge Access: 4–unlimited visits via Priority Pass / LoungeKey
Travel Credits & Discounts: dnata, Emaar, partner hotel benefits
Fan Experiences: Exclusive Manchester City events

Specialty Cards (Low Rate / SHARE / GEMS / du)

Low Rate: Industry-low profit rates (1.99%–3.75%); 0% BT up to 18 mo
FAB SHARE: Cashback in SHARE points; up to 8% at Carrefour & partner malls
GEMS Titanium: Education fee savings; family privileges
du Card: Savings on du services; 0% EPP on device and bills