Lifestyle
Merchant
Careem Plus
Enjoy free ride benefits.
Valid until 31 Jul 2026
FAB Rewards Indulge Card
UAE's first free credit card — earn 5 FAB Rewards per AED online, a monthly bonus on AED 10,000+ spend, dining discounts and airport lounge access.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. FAB Rewards Indulge Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 50View offer
Lifestyle
Merchant
Talabat
Savor discounts on meal orders.
Valid until 31 Jul 2026
Lifestyle
Merchant
Cartlow
Enjoy discounts while shopping.
Valid until 1 Aug 2026
Lifestyle
Merchant
The Bicester Collection
Save while you shop.
Valid until 31 Aug 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
Airport 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
Up 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.
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
Free
Joining Fee
Free
Annual Fee
3.75%
Monthly Interest Rate
3.75% per month (45.00% per annum).
Late Payment FeeAED 230*
*Charged if the minimum payment due is not received by the payment due date.
Over Limit FeeAED 275*
*Charged when the balance exceeds the credit limit.
Cash Advance Fee3%*
*3% of the cash advance amount or AED 99, whichever is higher.
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.
Card ReplacementAED 78.75
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.
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.
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
Other credit cards from this bank
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
FIRST ABU DHABI BANK (FAB)
FAB Emirati Islamic Credit Card
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