This card is no longer available
This page is kept as an archive. Benefits, rewards and fees are historical and may no longer apply.
- Joining Fee
- Free
- Annual Fee
- AED 315
- Minimum Salary
- AED 10,000
- Monthly Interest Rate
- 1.5% nationals / 1.99% expatriates
- Minimum Payment
- 3% of the statement balance
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.
Eligibility
10,000AED
Minimum Income
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.
Fees
Free
Joining Fee
315AED
Annual Fee
1.99%
Monthly Interest Rate
1.99% per month for expatriates, applied to balances carried past the due date.
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 Finance charges on the withdrawn amount apply separately from the transaction date.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.
Frequently Asked Questions
Get answers to common questions about FAB Low-Rate Credit Card credit card
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