Card face-off
ENBD SHARE Signature vs FAB SHARE Signature: which is better in the UAE? (2026)
First Abu Dhabi Bank (FAB)
FAB SHARE Signature Credit Card
ENBD SHARE Signature and FAB SHARE Signature both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 8,000 a month, net of annual fees.
ENBD SHARE Signature Credit Card vs FAB SHARE Signature Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 12,000 | 6% cashback at Majid Al Futtaim. |
| AED 525 | AED 525 | 2.74% | AED 10,000 | 6% value back at Carrefour and Al Futtaim malls. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 12,000 | 6% cashback at Majid Al Futtaim. |
| AED 525 | AED 525 | 2.74% | AED 10,000 | 6% value back at Carrefour and Al Futtaim malls. |
ENBD SHARE Signature Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 12,000
Highlight6% cashback at Majid Al Futtaim.
FAB SHARE Signature Credit Card
Annual feeAED 525
Joining feeAED 525
Foreign transaction fee2.74%
Min. salaryAED 10,000
Highlight6% value back at Carrefour and Al Futtaim malls.
Which card is better for what
Three answers compare ENBD SHARE Signature and FAB SHARE Signature on general everyday spend; spending abroad; bills and utilities. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
Spending abroad prices AED 3,990 of the total as non-AED and takes each card's foreign transaction fee off the annual result. One answer prices air travel (spending abroad) and counts the airport benefits a traveller uses, each at that card's own published allowance. Every other benefit these cards carry is worth nothing to this household and counts as nothing.
Those months run from AED 13,300 to AED 16,100 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Annual totals are net of each card's annual fee: none for ENBD SHARE Signature and AED 525 for FAB SHARE Signature. ENBD SHARE Signature needs a salary of AED 12,000 a month and FAB SHARE Signature AED 10,000.
Best for general everyday spend: ENBD SHARE Signature
ENBD SHARE Signature returns more across the whole profile — AED 979 a year against AED 551, after each card's annual fee.
Modelled monthly spend
Grocery, InsuranceAED 3,500
Fuel, Transportation +6 moreAED 1,600
Utilities, TelecomAED 1,200
Everything elseAED 7,000
TotalAED 13,300
Annual return
ENBD SHARE Signature Credit Card0.61% of the profile, after everything+ AED 979
FAB SHARE Signature Credit Card
Rewards+ AED 1,076
Annual fee– AED 525
Total0.35% of the profile, after everything+ AED 551
Best for spending abroad: ENBD SHARE Signature
On AED 3,990 of foreign spend a month, ENBD SHARE Signature charges 3.14%, which comes to AED 1,503 a year. FAB SHARE Signature charges 2.74%, which comes to AED 1,312 a year. The charge is not what decides it: ENBD SHARE Signature earns more on that spend and keeps AED 963 a year against AED 738.
Modelled monthly spend
Spent abroad, in another currencyAED 3,990
Spent in the UAEAED 9,310
TotalAED 13,300
Annual return
ENBD SHARE Signature Credit Card
Rewards+ AED 994
Benefits usedAirport lounge × 8+ AED 1,472
Foreign transaction fee3.14% on spend abroad– AED 1,503
Total0.6% of the profile, after everything+ AED 963
FAB SHARE Signature Credit Card
Rewards+ AED 1,471
Benefits usedAirport lounge × 6+ AED 1,104
Annual fee– AED 525
Foreign transaction fee2.74% on spend abroad– AED 1,312
Total0.46% of the profile, after everything+ AED 738
Best for bills and utilities: ENBD SHARE Signature
On AED 3,100 a month of bills and utilities, FAB SHARE Signature earns AED 31 against AED 3. ENBD SHARE Signature still shows the higher annual total, AED 1,012 against AED 795, because the two annual fees are not equal. On these two cards the calculator groups Fuel, Transportation +6 more in with other spend, so those lines are left as they are.
Modelled monthly spend
Utilities, TelecomAED 3,100
Grocery, InsuranceAED 3,500
Fuel, Transportation +6 moreAED 2,500
Everything elseAED 7,000
TotalAED 16,100
Annual return
ENBD SHARE Signature Credit Card0.52% of the profile, after everything+ AED 1,012
FAB SHARE Signature Credit Card
Rewards+ AED 1,320
Annual fee– AED 525
Total0.41% of the profile, after everything+ AED 795
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD SHARE Signature Credit Card
SHARE Points
International
1%
AED 0
1% · AED 0
International
1.5%
AED 0
1.5% · AED 0
Automotive
0.25%
AED 0
0.25% · AED 0
Automotive
1%
AED 0
1% · AED 0
Carrefour, Majid Al Futtaim Destinations
6%
AED 0
6% · AED 0
Carrefour, Majid Al Futtaim Destinations
6%
AED 0
6% · AED 0
Charity
1%
AED 0
1% · AED 0
Charity
0.15%
AED 0
0.15% · AED 0
Utilities, Telecom
0.1%
AED 0
0.1% · AED 0
Utilities, Telecom
1%
AED 0
1% · AED 0
Grocery, Insurance
0.25%
AED 0
0.25% · AED 0
Grocery, Insurance
0.15%
AED 0
0.15% · AED 0
Fuel, Transportation +6 more
0.1%
AED 0
0.1% · AED 0
Fuel, Transportation +6 more
0.15%
AED 0
0.15% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 1,104
VOX Cinemas BOGO
—
VOX Cinemas BOGO
AED 528
Annual Fee
Free
Annual Fee
– AED 525
Total
+ AED 0
Total
+ AED 1,107
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 13,300 month ENBD SHARE Signature comes out ahead by AED 428 a year, AED 979 against AED 551 for FAB SHARE Signature. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
ENBD SHARE Signature answers all three of the questions above: general everyday spend; spending abroad; bills and utilities. The order does not change with your mix, only the size of the gap.
The fee asymmetry matters. ENBD SHARE Signature carries none, while FAB SHARE Signature has to return AED 525 a year before it breaks even, roughly AED 44 of rewards a month just to draw level. Every figure above is already net of that.
Eligibility separates them too: FAB SHARE Signature opens at AED 10,000 a month against AED 12,000 for ENBD SHARE Signature. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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ENBD SHARE Signature Credit Card
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ENBD SHARE Signature Credit Card vs FAB SHARE Signature Credit Card: FAQ
Common questions about choosing between ENBD SHARE Signature Credit Card and FAB SHARE Signature Credit Card.