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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service
AboutBlogBanksCalculatorsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service

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FAB Rewards Active Credit Card

Joining Fee

AED 315

Annual Fee

AED 315

Minimum Salary

AED 5,000

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FAB Rewards Active Credit Card

A fitness-focused FAB Rewards card with a wearable payment ring, accelerated rewards on sports spending, and step-based rewards via STEPPI.

Apply nowApply for FAB Rewards Active Credit Card credit cardWebsiteVisit FAB Rewards Active Credit Card credit card website

Welcome offer

3 Months Free TOD Streaming

Spend AED 3,000 in the first 30 days and get a TOD voucher.

Voucher is sent within 30 days after meeting the spend target. Redeem on the dedicated TOD page to activate access.

See full breakdown

Rewards

5FAB Rewards

per AED 1 on sports spending.

Sports spending earns the highest rewards tier on this card under FAB card terms and conditions.

See full breakdown

2FAB Rewards

per AED 1 on other domestic and international spending.

Excluding selected low-interchange categories

See full breakdown

0.5FAB Rewards

per AED 1 on selected low-interchange categories.

Applies to selected low-interchange categories as defined in FAB Rewards terms.

See full breakdown

25FAB Rewards

per 1,000 daily steps with STEPPI.

Minimum 6,000 steps/day required. Daily step rewards are capped at 10,000 steps.

See full breakdown

50,000FAB Rewards

monthly cap on card-spend rewards.

Maximum monthly cap for card-spend rewards under FAB Rewards Active card terms.

See full breakdown

Frequently Asked Questions

Get answers to common questions about FAB Rewards Active Credit Card credit card

The listed minimum monthly salary requirement is AED 5,000.

You earn 25 FAB Rewards for every 1,000 daily steps using STEPPI via FAB Mobile app, with a minimum of 6,000 steps and a daily cap at 10,000 steps.

Card-spend FAB Rewards are capped at 50,000 points per month for the FAB Rewards Active card tier.

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Rewards Calculator

0 AED
Per Year

You can earn this amount based on your monthly spends per category.

Apply NowApply for FAB Rewards Active Credit Card credit card
SPORTS
GROCERY, TELECOM +12 MORE
OTHER SPENDS

June Spotlight

Emirates NBD

Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.

See all
ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

Salary: AED 5,000+

No Annual Fee

Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months

Get 20% back as noon credits when you spend on noon food

Get 5% back as noon credits when you spend on noon

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Additional Benefits

Wearable Fitness Payment Ring

One complimentary payment ring per primary cardholder.

The ring is linked to the card and supports contactless payments via Tappy Pay in FAB Mobile app.

See full breakdown

ADV+ Gym Membership

Access 25+ gyms and fitness classes for 12 months.

Requires AED 3,000 monthly card spend to keep visits complimentary; otherwise AED 100 per visit applies.

See full breakdown

Sun & Sand Sports Discounts

Up to 20% off online purchases (max AED 100 discount).

Offer valid online until 31 December 2026 with FAB10/FAB20 promo mechanics and minimum spend tiers.

See full breakdown

Airport Lounge Access

4 complimentary visits per year to 25+ lounges.

Access via Mastercard Travel Pass app and eligible lounge QR code validation.

See full breakdown

Credit Shield and Purchase Protection

Optional balance protection and buyer's protection coverage.

Buyer protection covers theft or accidental damage up to 180 days from purchase, up to USD 2,000 per claim.

See full breakdown

Eligibility

5,000AED

Minimum Income

Fees

315AED

Joining Fee

315AED

Annual Fee

3.99%

Monthly Interest Rate

3.99% per month. Finance charges apply from the transaction date if the full balance is not settled by the due date.

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.

International Transactions2.61%*

*2.61% of the transaction value plus applicable Visa/Mastercard scheme charges. Not applicable on FAB Travel Card (bank and scheme charges) and Low-Rate Credit Card (bank charges).

Late PaymentAED 241.5*

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

Over-LimitAED 302.4*

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

Card ReplacementAED 78.75
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

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Card Product Page

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Card Benefits Terms and Conditions

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FAB Rewards Terms and Conditions

Opens in a new tab

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

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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

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FAB Cashback Credit Card Design

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Salary: AED 5,000+

Annual Fee: AED 300

5% cashback on fashion, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

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FAB Travel Credit Card Design

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FAB Travel Credit Card

Salary: AED 25,000+

Annual Fee: AED 1,575

Free flight each year to over 15 destinations

12% cashback on flights and hotel bookings

No FX fees

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No Annual Fee

4% at malls & Carrefour

1% international

2-for-1 VOX monthly

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Salary: AED 10,000+

Annual Fee: AED 525

5,000 bonus SHARE points

6% at malls & Carrefour

2-for-1 VOX 3× monthly

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10,000 bonus SHARE points

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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

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FAB Emirati Islamic Credit Card Design

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Salary: AED 15,000+

Annual Fee: AED 600

Exclusive for UAE nationals

Up to 15 FAB Rewards per AED spent

Free valet parking 5 times a month across the UAE

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FAB Z Credit Card Design

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FAB Z Credit Card

Salary: AED 5,000+

No Annual Fee for the first year

Free Careem Plus & Noon One for 1 year

20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more

No FX fees abroad

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Salary: AED 25,000+

Annual Fee: AED 1,575

Free flight each year to over 15 destinations

12% cashback on flights and hotel bookings

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Salary: AED 50,000+

Annual Fee: AED 1,200

Up to 20 FAB Rewards on luxury spending

Up to 5 FAB Rewards on all other spending including abroad

Up to 50% off over 100 five-star restaurants in the UAE

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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

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Salary: AED 8,000+

No Annual Fee

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1% FAB Rewards Cashback

0% Interest Plans

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Salary: AED 5,000+

Annual Fee: AED 300

5% cashback on fashion, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

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FAB Etihad Guest Infinite Credit Card

Salary: AED 30,000+

Annual Fee: AED 2,500

Bonus: Up to 200,000 Etihad Guest Miles

7.5 Etihad Miles per AED 10 spent

Fast track to Etihad Gold membership.

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FAB Etihad Guest Platinum Credit Card

Salary: AED 8,000+

Annual Fee: AED 500

Welcome Bonus: 10,000 Miles

Earn 4 Etihad Miles per AED 10 spent.

2 free airport transfers/year

ExploreLearn more about FAB Etihad Guest Platinum Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Platinum Credit Card credit card
FAB Etihad Guest Signature Credit Card Design

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FAB Etihad Guest Signature Credit Card

Salary: AED 15,000+

Free First Year, AED 1,500 After

Bonus: Up to 100,000 Etihad Miles

5.5 Etihad Miles per AED 10 spent

Fast track to Etihad Silver membership.

ExploreLearn more about FAB Etihad Guest Signature Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Signature Credit Card credit card
FAB Manchester City Titanium Credit Card Design

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FAB Manchester City Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

Win trips to Etihad Stadium.

Win Tickets

Special Discounts Available

ExploreLearn more about FAB Manchester City Titanium Credit Card credit card benefits and featuresApplyApply for FAB Manchester City Titanium Credit Card credit card
FAB Blue Infinite Credit Card Design

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FAB Blue Infinite Credit Card

Salary: AED 40,000+

No Annual Fee

5% cashback on Al-Futtaim brands

1% cashback on extra spending

Free airport lounge access

ExploreLearn more about FAB Blue Infinite Credit Card credit card benefits and featuresApplyApply for FAB Blue Infinite Credit Card credit card
FAB Blue FAB Signature Credit Card  Design

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FAB Blue FAB Signature Credit Card

Salary: AED 15,000+

No Annual Fee

5% Cashback on Al-Futtaim Brands

1% FAB Rewards Cashback

0% Interest Plans & Balance Transfers

ExploreLearn more about FAB Blue FAB Signature Credit Card credit card benefits and featuresApplyApply for FAB Blue FAB Signature Credit Card credit card
FAB Islamic Cashback Credit Card Design

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Salary: AED 5,000+

Annual Fee: AED 300

5% cashback on fuel, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

ExploreLearn more about FAB Islamic Cashback Credit Card credit card benefits and featuresApplyApply for FAB Islamic Cashback Credit Card credit card
FAB Du Titanium Credit Card Design

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FAB Du Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

10% cashback on du bills

10% cashback on data packages

10% off du Easy Payment Plans

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FAB GEMS World Credit Card Design

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Salary: AED 8,000+

Annual Fee: AED 399

10% cashback on bus, canteen, uniform purchases

20% discount Emaar attractions

2% cashback on spending

ExploreLearn more about FAB GEMS World Credit Card credit card benefits and featuresApplyApply for FAB GEMS World Credit Card credit card
FAB Low-Rate Credit Card Design

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Salary: AED 10,000+

Annual Fee: AED 300

Interest Rate: 1.5%

0% Interest on Transfers

3% Minimum Payment Required

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No Annual Fee

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

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