Lifestyle
Merchant
The Bicester Collection
Exclusive shopping benefits and savings
Valid until 31 Aug 2026
- Joining Fee
- Free
- Annual Fee
- Free
- Minimum Salary
- AED 5,000
FAB Rewards Indulge Card
UAE's first free credit card — earn 5 FAB Rewards per AED online, a bonus on AED 10,000+ spend, dining discounts and lounge access.
≈ AED 2,652 potential value / year · incl. perks
Rewards
5FAB Rewards
per AED 1 on online spending.
Earn 5 FAB Rewards for every AED 1 spent online, capped at ~50,000 FAB Rewards per month.
See full breakdown1FAB Rewards
per AED 1 on all other spending, including international.
Earn 1 FAB Reward for every AED 1 spent locally or abroad on all other purchases. Plus a bonus 20,000 FAB Rewards when total monthly spend reaches AED 10,000 or more.
See full breakdown0.5FAB Rewards
per AED 1 on selected reduced-earn categories.
Selected categories earn a reduced 0.5 FAB Rewards per AED 1, as defined in the card's benefits terms.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
5,000AED
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.
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
Dining Discounts
Up to 20% off at 150+ UAE restaurants
Up to 20% off at more than 150 restaurants across the UAE, dining with up to 7 friends.
Airport Lounge Access
4 lounge visits per year
No minimum spend requiredAirport lounge access up to 4 times per year, subject to a minimum eligible spend.
Discounted Cinema Tickets
4 movie tickets per month at AED 20 each
No minimum spend requiredUp to 4 discounted movie tickets per month at AED 20 each, with a minimum monthly spend of AED 3,000.
Car Rental Discount
10% off car and truck rentals
10% discount on car and truck rentals.
Fees
Free
Joining Fee
Free
Annual Fee
3.75%
Monthly Interest Rate
3.75% per month (45.00% 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.
Important Stuff
Frequently Asked Questions
Get answers to common questions about FAB Rewards Indulge Card credit card
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- 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
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- Salary: AED 5,000+
- No Annual Fee
- 4% at malls & Carrefour
- 1% international
- 2-for-1 VOX monthly
FIRST ABU DHABI BANK (FAB)
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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
FIRST ABU DHABI BANK (FAB)
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- 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