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
My Cards
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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
- 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
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
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).
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
Frequently Asked Questions
Get answers to common questions about FAB Rewards Indulge Card credit card
Other credit cards from this bank
FIRST ABU DHABI BANK (FAB)
FAB Elite Credit Card
- 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
- Up to 40% off at 100+ restaurants via ADV+
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