Is there a joining fee or annual fee on this card?

No. Both the joining fee and the annual fee on the FAB Du Titanium Credit Card are AED 0. There's no cost to open the card or to keep it running in future years.

How does the du bill and data reward work?

FAB's Key Facts Statement gives 10% cashback on du bill payments, prepaid recharges, home services and device purchases after AED 1,250 spent the previous calendar month.

What do I earn on purchases that aren't with du?

You earn 1 FAB Reward per AED 1 spent on general local and international purchases outside the du category. This tier is capped at roughly 50,000 FAB Rewards per month; the source doesn't mention a minimum spend requirement for this tier.

Who is eligible for the FAB Du Titanium Credit Card?

FAB requires a minimum monthly salary of AED 5,000, and the card is only available to applicants above the age of 21.

What other benefits come with the card beyond rewards points?

The card's Key Facts Statement includes unlimited complimentary access to 10+ airport lounges across the Middle East, alongside 20% off one Talabat food or grocery order per month and 0% instalment plans on du purchases of AED 1,000 or more.

What does it cost to carry a balance or spend abroad?

Purchases accrue 3.5% a month (42.00% a year) if the balance is not paid in full, and FAB charges a 2.61% international transaction fee on foreign-currency spend.

Kredit

Joining Fee: Free
Annual Fee: Free
Minimum Salary: AED 5,000

FAB Du Titanium Credit Card

Earn FAB Rewards on daily and du spending, with no annual fee.

Updated Sep 2026

≈ AED 1,814 potential value / year · incl. perks

Website

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeFree

Minimum SalaryAED 5,000

Monthly Interest Rate

3.5%

International Transaction Fee (non-AED)

2.61%

See all fees

Rewards

Category	Earn	Rate
Grocery, Fuel +13 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	1 point per AED	0.3% 1 point per AED

Category	Earn	Rate
Grocery, Fuel +13 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	1 point per AED	0.3% 1 point per AED

Total rewards capped at 50,000 points a month

See all rewards

Top benefits

Airport loungeUnlimited

See all benefits

Rewards

10%

cashback on du bills and payments.

1FAB Rewards

per AED 1 on general eligible spend.

Rewards Calculator

My Cards

Already have the FAB Du Titanium Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Cards

Eligibility

5,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

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Additional Benefits

Airport Lounge Access

Unlimited access to 10+ Middle East airports.

0% Interest Payment Plans

0% interest plans on du bills and device purchases of AED 1,000+

Talabat Discount

20% off one Talabat order per month

Fees

Free

Joining Fee

Free

Annual Fee

3.5%

Monthly Interest Rate

International Transaction Fee (non-AED)2.61%*

*2.61% of the transaction amount for non-AED spend, plus applicable Visa/Mastercard scheme charges.

Foreign Currency Transaction Fee (AED abroad)2.61%*

*2.61% on foreign-currency transactions settled in AED abroad.

Supplementary CardFree*

*Complimentary.

Credit Shield1.04%*

*Optional; charged monthly on the outstanding balance when enrolled.

Cash Advance3.15%*

*3.15% or AED 157.50 per transaction, whichever is higher. Finance charges on the withdrawn amount apply separately from the transaction date.

Late PaymentAED 241.5*

*Charged if the minimum payment is not received by the due date.

Over-LimitAED 303.18*

*Charged when the outstanding balance exceeds the approved credit limit.

Card ReplacementAED 25*

*Reduced from AED 78.75 to AED 25 effective 20 August 2026.

Credit Shield Plus1.04%*

*1.04% per month of the outstanding balance. Optional plan — enrolment required.

Wallet Shield0.42%*

*0.42% per month of the outstanding balance. Optional plan — enrolment required.

Accident Insurance0.26%*

*0.26% per month of the outstanding amount or AED 31.40, whichever is higher. Optional plan — enrolment required.

Instalment / Financing Plans3%*

*Up to 3% per month flat rate on booking amount. Easy Buys/ALOC: up to 4% transaction fee on total principal. Rate confirmed at time of booking.

Instalment Cancellation1.05%*

*1.05% of the principal outstanding amount, maximum AED 10,500.

Plan DefermentAED 262.5

Statement ReprintAED 26.25*

*Per statement reprinted.

Sales Draft CopyAED 26.25

Liability LetterAED 52.5

Transaction DisputeAED 105

Outstation ChequeAED 52.5

Returned ChequeAED 220.5

Minimum Payment5%*

*5% of the outstanding balance or AED 100, whichever is higher.

Payment DueFree*

*21–25 days from the statement date.

Important Stuff

Schedule of Charges

Opens in a new tab

Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about FAB Du Titanium Credit Card credit card

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Back to cards

Joining Fee: Free
Annual Fee: Free
Minimum Salary: AED 5,000

FAB Du Titanium Credit Card

Earn FAB Rewards on daily and du spending, with no annual fee.

Updated Sep 2026

≈ AED 1,814 potential value / year · incl. perks

Website

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeFree

Minimum SalaryAED 5,000

Monthly Interest Rate

3.5%

International Transaction Fee (non-AED)

2.61%

See all fees

Rewards

Category	Earn	Rate
Grocery, Fuel +13 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	1 point per AED	0.3% 1 point per AED

Category	Earn	Rate
Grocery, Fuel +13 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	1 point per AED	0.3% 1 point per AED

Total rewards capped at 50,000 points a month

See all rewards

Top benefits

Airport loungeUnlimited

See all benefits

Rewards

10%

cashback on du bills and payments.

1FAB Rewards

per AED 1 on general eligible spend.

Rewards Calculator

My Cards

Already have the FAB Du Titanium Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Cards

Eligibility

5,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

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Sweat and Go

25% cashback on fitness sessions

Valid until 4 Nov 2026

View offer

Additional Benefits

Airport Lounge Access

Unlimited access to 10+ Middle East airports.

0% Interest Payment Plans

0% interest plans on du bills and device purchases of AED 1,000+

Talabat Discount

20% off one Talabat order per month

Fees

Free

Joining Fee

Free

Annual Fee

3.5%

Monthly Interest Rate

International Transaction Fee (non-AED)2.61%*

*2.61% of the transaction amount for non-AED spend, plus applicable Visa/Mastercard scheme charges.

Foreign Currency Transaction Fee (AED abroad)2.61%*

*2.61% on foreign-currency transactions settled in AED abroad.

Supplementary CardFree*

*Complimentary.

Credit Shield1.04%*

*Optional; charged monthly on the outstanding balance when enrolled.

Cash Advance3.15%*

*3.15% or AED 157.50 per transaction, whichever is higher. Finance charges on the withdrawn amount apply separately from the transaction date.

Late PaymentAED 241.5*

*Charged if the minimum payment is not received by the due date.

Over-LimitAED 303.18*

*Charged when the outstanding balance exceeds the approved credit limit.

Card ReplacementAED 25*

*Reduced from AED 78.75 to AED 25 effective 20 August 2026.

Credit Shield Plus1.04%*

*1.04% per month of the outstanding balance. Optional plan — enrolment required.

Wallet Shield0.42%*

*0.42% per month of the outstanding balance. Optional plan — enrolment required.

Accident Insurance0.26%*

*0.26% per month of the outstanding amount or AED 31.40, whichever is higher. Optional plan — enrolment required.

Instalment / Financing Plans3%*

*Up to 3% per month flat rate on booking amount. Easy Buys/ALOC: up to 4% transaction fee on total principal. Rate confirmed at time of booking.

Instalment Cancellation1.05%*

*1.05% of the principal outstanding amount, maximum AED 10,500.

Plan DefermentAED 262.5

Statement ReprintAED 26.25*

*Per statement reprinted.

Sales Draft CopyAED 26.25

Liability LetterAED 52.5

Transaction DisputeAED 105

Outstation ChequeAED 52.5

Returned ChequeAED 220.5

Minimum Payment5%*

*5% of the outstanding balance or AED 100, whichever is higher.

Payment DueFree*

*21–25 days from the statement date.

Important Stuff

Schedule of Charges

Opens in a new tab

Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about FAB Du Titanium Credit Card credit card

Other credit cards from this bank

Compare

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