Best FAB Credit Cards 2025 – Cashback, Travel & Rewards

In the crowded financial environment of UAE, credit cards are not only a means of payment rather a means to acquire a world of convenience, rewards and lifestyle perks. As one of the largest and most renowned financial establishments in the UAE, First Abu Dhabi Bank (FAB) provides a wide range of credit cards that will suit the needs of any kind of life, including both frugal buyers and luxury travelers. Be it the cashback on everyday expenses, privileged travel services, or a favored financial convenience with low interests, FAB credit cards provide highly personalized solutions that can match your desire.

FAB has also established itself as one of the most competitive banks in Emirates because of its innovation, customer focus services and ease of digital banking activity. The future of FAB lies in the redefining of credit card experiences through its FAB Mobile app that has pioneered in the use of innovative technology to enhance card users experience, innovative loyalty programs such as FAB Rewards, and cards that cater to the needs of both the salaried professionals, as well as the high-net-worth customer.

This article goes under the knives into all the information that you must seek about the credit cards of FAB, its types and eligibility, advantages and possible difficulties. You are either a simple earner of some regular salary or a high-end spender in the UAE probably in Dubai or Abu Dhabi and you are just searching what or where to start, receive an answer to your question; study this guide and make a right decision in enhancing your financial stride.

FAB credit cards are the financial product success of First Abu Dhabi Bank, which is directed at offering a client various options of flexible payment, separate rewards and lifestyle benefits. Being a top bank in the UAE, FAB provides its customers with credit cards that cover a wide range of demands: thus, one might get cashback on groceries, visit airport lounges, have 0% interest payment plans, and so on. Encompassing such features as the FAB Rewards program, use of digital banking tools, collaborations with world-famous brands, FAB credit cards would enable users to feel free with their finances as the card rewards them every time they spend money.

FAB offers various credit cards to suit different needs:

• Cashback Card: FAB Cashback Credit Card – Earn up to 5% cashback.
• Shopping & Lifestyle Cards: FAB SHARE, Rewards Indulge, Manchester City Card – Rewards on shopping, dining, and entertainment.
• Premium Card: FAB Elite Credit Card – Exclusive lifestyle benefits and high rewards.
• Education Card: FAB GEMS Card – Save on GEMS school fees.
• Travel Cards: Etihad Guest & FAB Travel Card – Earn miles and travel perks.
• Low-Interest Card: FAB Low-Rate Card – Lower interest for affordable payments.
• Telecom Card: du Titanium Card – Discounts on du bills.
• Al-Futtaim Cards: BLUE FAB Infinite, Signature & Platinum – Cashback and offers on Al-Futtaim brands.

Choose the best FAB card for your needs!

Cards pic

1. FAB Cashback Credit Card

• Salary: AED 5,000 | Annual Fee: AED 300
• 5% cashback on groceries, fashion, and dining
• 3% on international spends, 1% on all other spends
• Discounted movie tickets

2. FAB World Elite Credit Card

• Salary: AED 50,000 | Annual Fee: AED 1,500
• Free airport lounge access & airport transfers
• Travel insurance & valet parking

3. FAB GEMS Titanium Card

• Salary: AED 8,000 | Annual Fee: AED 315 (1st year free)
• 4.25% cashback on GEMS school fees
• 0% installment plans for fees

4. FAB Etihad Guest Infinite Card

• Salary: AED 30,000 | Annual Fee: AED 2,500
• 55,000 welcome miles & up to 7.5 miles per AED 10 spent
• Free airport lounge access

5. FAB SHARE Credit Cards (Standard, Platinum, Signature)

• Salary: AED 5,000 – 30,000 | Annual Fee: AED 315 – 1,050
• Up to 7% cashback at Carrefour, discounts on VOX Cinemas, Ski Dubai

6. FAB Manchester City FC Card

• Salary: AED 5,000 | Annual Fee: AED 315
• Exclusive access to matches, stadium visits & player meetups

7. FAB Blue FAB Infinite Card

• Salary: AED 40,000 | Annual Fee: Free
• 5% cashback at Al-Futtaim stores, travel benefits

Apply now for the best FAB credit card!

First Abu Dhabi Bank (FAB) credit cards, detailing their minimum monthly check salary requirements and annual fees:​

Credit Card	Minimum Monthly Salary	Annual Fee
FAB Cashback Credit Card	AED 5,000	AED 300
FAB Elite Credit Card	AED 50,000	AED 1,200
FAB SHARE Standard Credit Card	AED 5,000	Free
FAB SHARE Platinum Credit Card	AED 10,000	AED 1,000
FAB SHARE Signature Credit Card	AED 30,000	AED 1,500
FAB GEMS Titanium Mastercard Credit Card	AED 8,000	AED 315
Etihad Guest Infinite Credit Card	AED 30,000	AED 2,500
Etihad Guest Signature Credit Card	AED 15,000	AED 1,500
Etihad Guest Platinum Credit Card	AED 8,000	AED 500
FAB Low-Rate Credit Card	AED 10,000	AED 300
du Titanium Credit Card	AED 5,000	Free
Manchester City Titanium Credit Card	AED 5,000	Free
BLUE FAB Infinite Credit Card by Al-Futtaim	AED 40,000	Free
BLUE FAB Signature Credit Card by Al-Futtaim	AED 15,000	Free
BLUE FAB Platinum Credit Card by Al-Futtaim	AED 8,000	Free

Please note that some annual fees may be waived for the first year or under specific conditions.

Applicants who want to be issued a credit card by FAB have some requirements to fulfill during the approval process. There’s a list of the eligibility requirements below:

• Age: Proposed applicants should be 21 years old (25 years old in case of the self-employed).
• Residency: It should be a UAE resident with a valid residency visa and emirates ID.
• Minimum Salary: Depending on the card, it can begin at an amount of AED 5,000 on basic cards, such as the FAB Standard Credit Card.
• Employment Status: The salaried employees or the self-employed people who have a fixed source of income.
• Credit Score: They must also have a nice credit history (greater than 657 on the score, especially good with premium cards).
• Documentation: Valid Passport, Emirates identity card, utility bill or tenancy contract, two months Bank statements and a salary transfer letter (salaried applicants) / trade license (self-employed).

Applying for a FAB credit card is a seamless process, thanks to FAB’s user-friendly digital platforms. Here’s a step-by-step guide:

1. Explore Card Options: Visit the FAB website (www.bankfab.com) or the FAB Mobile app to review available credit cards and their benefits.
2. Check Eligibility: Ensure you meet the minimum salary and other criteria for your chosen card.
3. Gather Documents: Prepare your Emirates ID, passport, residency visa, bank statements, and proof of income.
4. Submit Application: Apply online via the FAB Mobile app or website, or visit a FAB branch for in-person assistance.
5. Track Application: Monitor your application status through the FAB Mobile app or by contacting FAB’s customer service (+971 600 52 5500).
6. Await Approval: Processing typically takes 5–7 business days, after which you’ll receive your card if approved.

FAB is the convenient way to take care of your credit card and the company offers digital services and attractive services to the customers. Using FAB Mobile app you can:

• Track Spending: Top ups, available credit limit monitoring are possible as well as statements.
• Make Payments: Create standing instructions to make your payments automatic or take large purchases and split them into the 0 % Easy Payment Plans.
• Redeem Rewards: Redeem your FAB Rewards instantly through the app at cashback, miles or vouchers.
• Control Card Settings: Block/activate your card, request an increased limit or lost/stolen cards.
• Balance Transfers: Transfer amounts of other card balances at compelling rates using the application or online banking.

Checking your statements regularly and paying the relevant bills on time enables you to avoid the interest rate and earn as maximum rewards as possible. FAB also provides SMS messages to provide real time updates on transactions, which is also more secure and in control.

Understanding the fees associated with your FAB credit card is crucial for responsible usage. Below is a table summarizing common charges:

Fee Type	Amount (AED)	Details
Annual Fee	0–1,500	Varies by card; some offer waivers with minimum spend.
Interest Rate (Retail)	3.75%–3.85% per month	Applies to unpaid balances after the interest-free period.
Cash Advance Interest	3.5%–3.99% per month	Higher rates apply for cash withdrawals.
Foreign Transaction Fee	2.61% + scheme charges	Applies to non-AED transactions.
Card Replacement Fee	78.75	Charged for lost or damaged card replacement.
Credit Shield Insurance	1.04% of outstanding balance monthly	Optional insurance for outstanding balance protection.
Late Payment Fee	Up to 230	Charged if minimum payment is not made by the due date.

FAB credit cards are designed with winning features that will improve your lifestyle and financial mobility. These’re the best benefits:

• Cashback: Rewards:Ideal for those who spend a lot in grocery, food and fashion, one is offered up to 5% cashback on these items through the likes of the FAB Cashback Credit Card.
• Travel Perks: Take advantage of the lounge facility at the airport, free transport services into the airport, and travel insurance coverage with the premium credit cards such as the FAB Travel Credit Card.
• FAB Rewards Program: With every AED 1 spent in the luxury brands or ecological retailers, get 20 FAB Rewards which can be used like flight, vouchers, or bill.
• Lifestyle Discounts: Enjoy up to 50 % discount on dinning, shopping and movie tickets on Reels Cinemas, Vox Movies and more.
• 0% Easy Payment Plans: Turn your big buy into interest-free monthly payments of up to 48 months.
• Security Features: High standards of fraud protection, SMS notifications, and flexible spending limits are created.
• Supplementary Cards: Additional four supplementary cards at free of charge and have shared rewards with the family.

Issue	Description	Solution
High Interest Rates	Retail interest rates (up to 3.85% monthly) can accumulate if balances are unpaid.	Pay the full balance before the due date to avoid interest charges.
Annual Fee Concerns	Some cards have high annual fees (e.g., AED 1,500 for FAB Rewards Elite Infinite).	Meet minimum spend requirements to waive fees or opt for free-for-life cards.
Foreign Transaction Fees	2.61% + scheme charges apply to non-AED transactions.	Use the FAB Travel Credit Card, which has no foreign transaction fees.
Reward Caps	Cashback and rewards are capped (e.g., AED 1,000 monthly on FAB Cashback Card).	Track spending to maximize rewards within caps and redeem promptly via the app.
Application Delays	Processing may take 5–7 days, causing delays for urgent needs.	Apply online via the FAB Mobile app for faster processing and track status.

The rewards, flexibility and lifestyle benefits in FAB credit cards 2025 are a perfect combination and UAE residents are using it as the first choice of credit cards. Whether it is the affordable FAB Standard Credit Card or the high-end FAB Rewards Elite Infinite one, the categories have a credit card for all income pages. Offering such features as the FAB Rewards program, digital banking without interruptions, and rewards exclusive to the users (access to the airport lounges and cashback), FAB lets the users get the most out of their spendings.

Nevertheless, the trick is the responsibility, timely payments, getting to know about the charges, and selecting the appropriate card that best fits the income and lifestyle helps one only gain more benefits without falling into traps. Sign up now using the FAB Mobile app or site and open up a whole new world of financial possibilities all customized to suit you.