Does the FAB Elite Credit Card have a welcome offer?

No. FAB does not advertise a welcome bonus for the Elite Credit Card on its product page or Key Facts Statement.

What is the minimum salary for the FAB Elite Credit Card?

FAB lists a minimum salary of AED 40,000 per month.

Where does the FAB Elite Credit Card earn the most FAB Rewards?

The highest published rate is 20 FAB Rewards per AED 1 on luxury spending, capped at 200,000 FAB Rewards per month on that tier.

Does the FAB Elite Credit Card include airport lounge access?

Yes. The card's benefit terms give 14 Mastercard Travel Pass lounge visits a year, counting guest visits. A USD 1 international card purchase activates access for the next three calendar months; repeat it every three months to keep access.

How many interest-free days does the FAB Elite Credit Card offer?

FAB lists up to 55 interest-free days when the outstanding balance is paid in full by the due date.

Does the FAB Elite Credit Card charge an annual fee?

Yes. FAB lists an annual fee of AED 1,260.

Kredit

Joining Fee: AED 1,260
Annual Fee: AED 1,260
Minimum Salary: AED 40,000

FAB Elite Credit Card

Earn up to 20 FAB Rewards per AED at named luxury brands, with 14 yearly lounge visits including guests.

Updated Sep 2026

≈ AED 6,545 potential value / year · incl. perks

Website

At a glance

Fees and eligibility

Joining FeeAED 1,260

Annual FeeAED 1,260

Minimum SalaryAED 40,000

International Transaction Fee

2.61%

See all fees

Rewards

Category	Earn	Rate
Government, Utilities +9 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	5 points per AED	1.5% 5 points per AED

Category	Earn	Rate
Government, Utilities +9 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	5 points per AED	1.5% 5 points per AED

Total rewards capped at 500,000 points a month

See all rewards

Top benefits

Airport lounge14/year

Airport transfers4/year

GolfIncluded

Valet parking

5/month

Dining offersIncluded

Gym & fitnessIncluded

See all benefits

Rewards

20FAB Rewards

per AED 1 on luxury spending.

10FAB Rewards

per AED 1 on eco-friendly purchases.

5FAB Rewards

per AED 1 on all other spending, including abroad.

0.5FAB Rewards

per AED 1 on FAB's named low-interchange categories.

500,000FAB Rewards

maximum FAB Rewards earned per calendar month.

Rewards Calculator

My Wallet

Already have the FAB Elite Credit Card?

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

Open My Wallet

Eligibility

40,000AED

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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12 Miles/AED on Voyager Portal
6 Miles/AED on other travel

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Valid until 30 Dec 2026

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FAB Mobile App

Set up an installment plan in FAB Mobile

Valid until 31 Dec 2026

View payment feature

Additional Benefits

Airport lounge access

14 visits per year, including guest visits.

Airport fast track

3 fast track services per year.

Careem airport transfers

4 Careem airport rides a year.

Golf

30% off or one complimentary guest at selected courses.

Valet parking

Up to 5 free 1-hour valet sessions per month at premium UAE locations.

Dining discounts

Up to 40% off at 100+ restaurants in the UAE via the ADV+ app.

Dubai Holding Entertainment discounts

20% off Wild Wadi, The Green Planet, Inside Burj Al Arab, Dubai Parks and Resorts and The View at The Palm.

Travel medical insurance

Cover up to USD 500,000.

Rental car damage insurance

Cover up to USD 50,000.

24/7 global concierge

Travel, dining and event bookings.

Fees

1,260AED

Joining Fee

1,260AED

Annual Fee

Free

Supplementary Card

Finance Charge3.99%*

*3.99% per month (47.88% per annum); increases by 1 percentage point when the account is past due. Up to 55 interest-free days apply when the balance is paid in full.

Minimum Payment Due5%*

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

Late Payment FeeAED 241.5*

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

Over Limit FeeAED 303.18*

*Charged when the balance exceeds the credit limit.

Cash Advance Fee3.15%*

*3.15% of the cash advance amount or AED 157.50, whichever is higher.

International Transaction Fee2.61%*

*2.61% of the transaction amount for spend outside the UAE; card network scheme charges may also apply.

Balance Transfer / Quick Cash / Easy Buys4%*

*4% transaction fee on Balance Transfer, Quick Cash and Easy Buys instalment plans.

Card ReplacementAED 25

Credit Shield1.04%*

*Optional; 1.04% of the outstanding balance when enrolled.

Duplicate StatementAED 26.25

Liability LetterAED 52.5

Dispute VerificationAED 105

Returned ChequeAED 220.5

Early Settlement1.05%*

*1.05% of the outstanding principal or AED 10,500, whichever is higher.

Plan DefermentAED 262.5

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.

Statement ReprintAED 26.25*

*Per statement reprinted.

Sales Draft CopyAED 26.25

Transaction DisputeAED 105

Outstation ChequeAED 52.5

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 Elite Credit Card credit card

Compare head-to-head

See all

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FAB cards

Back to cards

Joining Fee: AED 1,260
Annual Fee: AED 1,260
Minimum Salary: AED 40,000

FAB Elite Credit Card

Earn up to 20 FAB Rewards per AED at named luxury brands, with 14 yearly lounge visits including guests.

Updated Sep 2026

≈ AED 6,545 potential value / year · incl. perks

Website

At a glance

Fees and eligibility

Joining FeeAED 1,260

Annual FeeAED 1,260

Minimum SalaryAED 40,000

International Transaction Fee

2.61%

See all fees

Rewards

Category	Earn	Rate
Government, Utilities +9 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	5 points per AED	1.5% 5 points per AED

Category	Earn	Rate
Government, Utilities +9 more	0.5 points per AED	0.15% 0.5 points per AED
All other spend	5 points per AED	1.5% 5 points per AED

Total rewards capped at 500,000 points a month

See all rewards

Top benefits

Airport lounge14/year

Airport transfers4/year

GolfIncluded

Valet parking

5/month

Dining offersIncluded

Gym & fitnessIncluded

See all benefits

Rewards

20FAB Rewards

per AED 1 on luxury spending.

10FAB Rewards

per AED 1 on eco-friendly purchases.

5FAB Rewards

per AED 1 on all other spending, including abroad.

0.5FAB Rewards

per AED 1 on FAB's named low-interchange categories.

500,000FAB Rewards

maximum FAB Rewards earned per calendar month.

Rewards Calculator

My Wallet

Already have the FAB Elite Credit Card?

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

Open My Wallet

Eligibility

40,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

November Spotlight

Emirates NBD

See all

Compare

4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

Salary: AED 5,000+
No Annual Fee
AED 500 bonus on AED 5,000
20% back in credits on noon Food
5% back in credits on noon

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3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

Salary: AED 12,000+
75,000 Miles on AED 35,000
No Annual Fee
6 Miles/AED on Voyager Portal
3 Miles/AED on other travel

Explore

Compare

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Salary: AED 25,000+
150,000 Miles on AED 70,000
No Annual Fee for the first year
12 Miles/AED on Voyager Portal
6 Miles/AED on other travel

Explore

Offers

Card benefits at 258 places in the UAE

See on the map See all 214

Lifestyle

Merchant

Sweat and Go

25% cashback on fitness sessions

Valid until 4 Nov 2026

View offer

Lifestyle

Merchant

McLaren Racing

McLaren Racing - Race to Rewards with McLaren

Valid until 21 Nov 2026

View offer

Lifestyle

Merchant

Federal Authority for Identity, Citizenship, Customs & Port Security

Easy payment plans with FAB

Valid until 1 Dec 2026

View offer

Lifestyle

Merchant

Abu Dhabi Judicial Department

Easy payment plans with FAB

Valid until 30 Dec 2026

View offer

Payment features

See all 1

Lifestyle

Merchant

FAB Mobile App

Set up an installment plan in FAB Mobile

Valid until 31 Dec 2026

View payment feature

Additional Benefits

Airport lounge access

14 visits per year, including guest visits.

Airport fast track

3 fast track services per year.

Careem airport transfers

4 Careem airport rides a year.

Golf

30% off or one complimentary guest at selected courses.

Valet parking

Up to 5 free 1-hour valet sessions per month at premium UAE locations.

Dining discounts

Up to 40% off at 100+ restaurants in the UAE via the ADV+ app.

Dubai Holding Entertainment discounts

20% off Wild Wadi, The Green Planet, Inside Burj Al Arab, Dubai Parks and Resorts and The View at The Palm.

Travel medical insurance

Cover up to USD 500,000.

Rental car damage insurance

Cover up to USD 50,000.

24/7 global concierge

Travel, dining and event bookings.

Fees

1,260AED

Joining Fee

1,260AED

Annual Fee

Free

Supplementary Card

Finance Charge3.99%*

*3.99% per month (47.88% per annum); increases by 1 percentage point when the account is past due. Up to 55 interest-free days apply when the balance is paid in full.

Minimum Payment Due5%*

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

Late Payment FeeAED 241.5*

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

Over Limit FeeAED 303.18*

*Charged when the balance exceeds the credit limit.

Cash Advance Fee3.15%*

*3.15% of the cash advance amount or AED 157.50, whichever is higher.

International Transaction Fee2.61%*

*2.61% of the transaction amount for spend outside the UAE; card network scheme charges may also apply.

Balance Transfer / Quick Cash / Easy Buys4%*

*4% transaction fee on Balance Transfer, Quick Cash and Easy Buys instalment plans.

Card ReplacementAED 25

Credit Shield1.04%*

*Optional; 1.04% of the outstanding balance when enrolled.

Duplicate StatementAED 26.25

Liability LetterAED 52.5

Dispute VerificationAED 105

Returned ChequeAED 220.5

Early Settlement1.05%*

*1.05% of the outstanding principal or AED 10,500, whichever is higher.

Plan DefermentAED 262.5

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.

Statement ReprintAED 26.25*

*Per statement reprinted.

Sales Draft CopyAED 26.25

Transaction DisputeAED 105

Outstation ChequeAED 52.5

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 Elite Credit Card credit card

Compare head-to-head

See all

ENBD Voyager World Elite vs FAB Elite

Similar cards

Compare

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Salary: AED 25,000+
150,000 Miles on AED 70,000
No Annual Fee for the first year
12 Miles/AED on Voyager Portal
6 Miles/AED on other travel

Explore

Compare

CITIBANK

Citi Prestige Credit Card

Salary: AED 30,000+
Annual Fee: AED 1,575
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends

Explore Apply

Compare

FIRST ABU DHABI BANK (FAB)

FAB Rewards Indulge Card

Salary: AED 5,000+
No Annual Fee
20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
5 FAB Rewards on online spends
1 FAB Reward on all other spends

Explore Apply

Other credit cards from this bank

Compare

FIRST ABU DHABI BANK (FAB)

Islamic

FAB Islamic Cashback Credit Card

Salary: AED 5,000+
Annual Fee: AED 315
5% cashback on fuel, dining, groceries
3% cashback on non-AED spends
1% cashback on other retail spends

Explore Apply

Compare

FIRST ABU DHABI BANK (FAB)

Islamic

FAB Emirati Islamic Credit Card

Salary: AED 15,000+
Annual Fee: AED 630
Exclusive for UAE nationals
Up to 15 FAB Rewards per AED spent
Free valet parking 5 times a month across the UAE

Explore Apply

Compare

FIRST ABU DHABI BANK (FAB)

FAB Blue Infinite Credit Card

Salary: AED 40,000+
No Annual Fee
8% cashback on Al-Futtaim brands
1% cashback on extra spending
Free airport lounge access

Explore Apply

Compare

FIRST ABU DHABI BANK (FAB)

FAB Blue Platinum Credit Card

Salary: AED 8,000+
No Annual Fee
5% Cashback on Al-Futtaim Brands
1% FAB Rewards Cashback
0% Interest Plans

Explore Apply

Compare

FIRST ABU DHABI BANK (FAB)

FAB Blue Signature Credit Card

Salary: AED 15,000+
No Annual Fee
6% Cashback on Al-Futtaim Brands
1% FAB Rewards Cashback
0% Interest Plans & Balance Transfers

Explore Apply

Compare

FIRST ABU DHABI BANK (FAB)

FAB Du Titanium Credit Card

Salary: AED 5,000+
No Annual Fee
du spending rewards
du data rewards
0% du payment plans

Explore Apply

TOP CARDS

Best Credit Cards to Shop at Dubai Mall (2025)

By Kredit

Published Nov 25, 2025

CREDIT CARDS

Best UAE Credit Cards for High Spenders (2025)

By Kredit

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FAB cards