What interest rate does the FAB Low-Rate Credit Card charge?

1.5% per month for UAE nationals and 1.99% per month for expatriates, applied to balances carried past the due date. Every other card in FAB's range charges a materially higher monthly rate, which is what this card exists to undercut.

What does it cost to spend abroad on this card?

FAB charges no bank fee on non-AED spend. The card scheme's own charge and the currency conversion still apply, so foreign spend is cheaper than on FAB's other cards but not free.

How does the balance transfer work?

Balances transferred to the card carry 0% interest for up to 18 months for UAE nationals and up to 12 months for expatriates. FAB charges up to 4% of the transferred principal to set the plan up.

Does the FAB Low-Rate Credit Card earn rewards?

No. FAB Rewards are not applicable on this card. It is built to cost less when you carry a balance rather than to earn on spending.

What is the minimum monthly payment?

3% of the statement balance, alongside any fees due that month.

Who is the FAB Low-Rate Credit Card for?

Someone who expects to carry a balance rather than clear it in full each month. The card earns nothing, so paying the statement off every month leaves the annual fee with nothing to offset it. Its value is the gap between its monthly rate and the one FAB charges on the rest of its range.

Kredit

This card is no longer available

This page is kept as an archive. Benefits, rewards and fees are historical and may no longer apply.

Explore Platinum Plus See current alternatives

Discontinued

Joining Fee: Free
Annual Fee: AED 315
Minimum Salary: AED 10,000

FAB Low-Rate Credit Card

FAB's cheapest card to carry a balance on: 1.5% a month for UAE nationals and 1.99% for expatriates.

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeAED 315

Minimum SalaryAED 10,000

Monthly Interest Rate

1.99%

International Transaction Fee (non-AED)

See all fees

Eligibility

10,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

Fees

Free

Joining Fee

315AED

Annual Fee

1.99%

Monthly Interest Rate

Monthly Interest Rate (UAE Nationals)1.5%*

*1.5% per month for UAE nationals, applied to balances carried past the due date.

International Transaction Fee (non-AED)0%*

*FAB charges no bank fee on non-AED spend. Card-scheme charges and the currency conversion still apply.

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

General Terms and Conditions

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about FAB Low-Rate Credit Card credit card

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Back to cards

This card is no longer available

This page is kept as an archive. Benefits, rewards and fees are historical and may no longer apply.

Explore Platinum Plus See current alternatives

Discontinued

Joining Fee: Free
Annual Fee: AED 315
Minimum Salary: AED 10,000

FAB Low-Rate Credit Card

FAB's cheapest card to carry a balance on: 1.5% a month for UAE nationals and 1.99% for expatriates.

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeAED 315

Minimum SalaryAED 10,000

Monthly Interest Rate

1.99%

International Transaction Fee (non-AED)

See all fees

Eligibility

10,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

Fees

Free

Joining Fee

315AED

Annual Fee

1.99%

Monthly Interest Rate

Monthly Interest Rate (UAE Nationals)1.5%*

*1.5% per month for UAE nationals, applied to balances carried past the due date.

International Transaction Fee (non-AED)0%*

*FAB charges no bank fee on non-AED spend. Card-scheme charges and the currency conversion still apply.

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

General Terms and Conditions

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about FAB Low-Rate Credit Card credit card

Other credit cards from this bank

Compare

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