Lifestyle
Merchant
The Bicester Collection
Exclusive shopping benefits and savings
Valid until 31 Aug 2026
- Joining Fee
- Free
- Annual Fee
- AED 630
- Minimum Salary
- AED 15,000
FAB Emirati Islamic Credit Card
A Sharia-compliant rewards card for UAE Nationals, earning FAB Islamic Rewards on beauty, international and everyday UAE spend.
≈ AED 16,588 potential value / year · incl. perks
Rewards
15FAB Rewards
per AED 1 on beauty & fragrance shopping.
Earn 15 FAB Islamic Rewards for every AED 1 spent on beauty and fragrance purchases, contributing to a combined monthly cap of ~500,000 points.
See full breakdown10FAB Rewards
per AED 1 on international spending.
Earn 10 FAB Islamic Rewards for every AED 1 spent internationally, contributing to a combined monthly cap of ~500,000 points.
See full breakdown5FAB Rewards
per AED 1 on general UAE spending.
Earn 5 FAB Islamic Rewards for every AED 1 spent on other UAE transactions, contributing to a combined monthly cap of ~500,000 points.
See full breakdown0.5FAB Rewards
per AED 1 on supermarket, telecom, fuel, education, government and other selected categories.
Selected categories including supermarket, telecom, fuel, education, government services, charities, transport, rental, insurance and fast food earn a reduced 0.5 FAB Islamic Rewards per AED 1.
See full breakdownRewards Calculator
My Cards
Already have the FAB Emirati Islamic Credit Card?
Add it to your wallet, include any other cards you own, and see exactly where this card should be used.
Eligibility
15,000AED
Minimum Income
UAE Nationals only
This Sharia-compliant card is available exclusively to UAE Nationals.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
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
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
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
Offers
See all 153View offer
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
The View at the Palm
20% Discount on entry tickets
Valid until 15 Sep 2026
Additional Benefits
Global Airport Lounge Access
Free access to 1,200+ airport lounges in 450+ cities worldwide
Complimentary access to over 1,200 airport lounges across 450+ cities worldwide.
Careem Airport Transfers
2 free Careem airport transfers per year
No minimum spend required2 complimentary Careem airport transfers per year.
Free Valet Parking
Up to 5 free valet services per month across the UAE
No minimum spend requiredUp to 5 complimentary valet parking services per month across the UAE, subject to a minimum monthly spend of AED 10,000.
Emirati-Preferred Dining Discounts
Up to 20% off at 150+ Emirati-preferred restaurants
Up to 20% discount at more than 150 restaurants preferred by Emirati cardholders.
Fees
Free
Joining Fee
630AED
Annual Fee
3.99%
Monthly Interest Rate
3.99% per month (47.88% per annum).
International Transaction Fee (non-AED)2.49%*
*2.49% of the transaction amount for non-AED spend.
Foreign Currency Transaction Fee (AED abroad)2.49%*
*2.49% on foreign-currency transactions settled in AED abroad.
Supplementary CardFree*
*Complimentary.
Credit Shield0.99%*
*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.
Frequently Asked Questions
Get answers to common questions about FAB Emirati Islamic Credit Card credit card
Other credit cards from this bank
FIRST ABU DHABI BANK (FAB)
FAB Elite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 1,260
- Up to 20 FAB Rewards on luxury spending
- Up to 5 FAB Rewards on all other spending including abroad
- Up to 40% off at 100+ restaurants via ADV+
FIRST ABU DHABI BANK (FAB)
FAB SHARE Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 4% at malls & Carrefour
- 1% international
- 2-for-1 VOX monthly
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 5,000 bonus SHARE points
- 6% at malls & Carrefour
- 2-for-1 VOX 3× monthly
FIRST ABU DHABI BANK (FAB)
FAB SHARE Infinite Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,050
- 10,000 bonus SHARE points
- 8% at malls & Carrefour
- Free lounge access
FIRST ABU DHABI BANK (FAB)
FAB Rewards Active Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5 FAB Rewards per AED 1 on sports spending
- 2 FAB Rewards per AED 1 on domestic and international spending
- 25 FAB Rewards for every 1,000 daily steps in STEPPI (min 6,000 steps, capped at 10,000 steps/day)
FIRST ABU DHABI BANK (FAB)
FAB ADNOC Rewards Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 15% back on ADNOC fuel spending
- 3% back on SALIK, DARB and Mawaqif
- 2% back on international spending
Related Collections
