FAB Rewards Indulge Card

No. The key highlights list both the Joining Fee and the Annual Fee as Free, and the card's fee schedule confirms AED 0 for each. The card's own description also describes it as "UAE's first free credit card."

FAB lists a minimum monthly salary of AED 5,000, and the card is only available to applicants above the age of 21.

You earn 5 FAB Rewards per AED 1 on online spending, 1 FAB Reward per AED 1 on all other local and international spending, and a reduced 0.5 FAB Rewards per AED 1 on selected categories defined in FAB's terms. The 5x online rate is capped at roughly 50,000 FAB Rewards per month.

Yes. Whenever your total monthly spend reaches AED 10,000 or more, you get a bonus of 20,000 FAB Rewards on top of the standard 1 FAB Reward per AED 1 already earned on that spending. This bonus sits within the card's regular rewards structure rather than a separate welcome offer, since the welcome-offer section for this card is empty.

It bundles four benefits: up to 20% off at more than 150 UAE restaurants when dining with up to 7 friends, 4 airport lounge visits per year subject to a minimum eligible spend, up to 4 discounted AED 20 movie tickets per month once monthly card spend reaches AED 3,000, and a 10% discount on car and truck rentals.

The current FAB KFS and fee guide list up to 3.99% monthly retail interest, an international transaction charge up to 2.61% plus scheme charges, a cash-advance charge up to 3.15% or AED 157.50 (whichever is higher), and an AED 241.50 late-payment fee. Card replacement costs AED 25, while supplementary cards are complimentary.