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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

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AboutUnlock my cardsOffersBanksLoyalty ProgramsCalculatorsAccountsPick 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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Get notified about UAE latest credit card products

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FAB SHARE Infinite Credit Card

Joining Fee

AED 1,050

Annual Fee

AED 1,050

Minimum Salary

AED 25,000

FAB SHARE Infinite Credit Card

8% back in SHARE points at Carrefour and Al Futtaim malls, plus free global airport lounge access for cardholder and guest.

Updated Apr 2026

≈ AED 2,160 value / year · incl. perks
WebsiteVisit FAB SHARE Infinite Credit Card credit card website

Welcome offer

10,000 bonus SHARE points

Receive 10,000 SHARE points (worth AED 1,000) on card activation.

For new cardholders on activation. See bankfab.com for eligibility terms.

See full breakdown

Rewards

8%

back in SHARE points at Carrefour, Mall of the Emirates, City Centres, and mall experiences.

Covers Carrefour (in-store and online) and spends in Mall of the Emirates or City Centres in the UAE. Capped at AED 10,000 of eligible spend per month (100,000 SHARE points maximum per month across all categories).

See full breakdown

2%

back in SHARE points on international spend.

Earn on purchases made outside the UAE. Subject to the 100,000 SHARE points monthly cap.

See full breakdown

1.5%

back in SHARE points on all other UAE spend.

Applies to everyday UAE purchases not covered by the 8% partner rate. Subject to the 100,000 SHARE points monthly cap.

See full breakdown

0.15%

back in SHARE points on utilities, fuel, and selected merchants.

Reduced rate. Applies to utilities, fuel, and other supermarkets (not Carrefour). Subject to the 100,000 SHARE points monthly cap.

See full breakdown

Rewards Calculator

Eligibility

21

Minimum Age

25,000AED

Minimum Income

UAE residency

Valid Emirates ID and residency visa required.

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.

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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER

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

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

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

ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 144
Lifestyle

Merchant

The Bicester Collection

Exclusive shopping benefits and savings

Valid until 31 Aug 2026
View offer
Lifestyle

Merchant

Dubai Parks and Resorts

20% discount on entry tickets

Valid until 15 Sep 2026
View offer
Lifestyle

Merchant

Dubai Parks and Resorts

Enjoy a 20% discount on entry tickets

Valid until 15 Sep 2026
View offer
Lifestyle

Merchant

Dubai Parks and Resorts

Enjoy a 20% discount on entry tickets

Valid until 15 Sep 2026
View offer

Additional Benefits

Free global airport lounge access

Complimentary access to 1,300+ airport lounges worldwide for the cardholder and a guest.

Via DragonPass or Visa Infinite — cardholder and one guest per visit. Annual visit limits may apply. See bankfab.com for current terms.

See full breakdown

2-for-1 VOX Cinema tickets

Buy 1 get 1 free at VOX Cinemas, up to 4 times per calendar month.

Online or app booking only, up to 4 times per calendar month. See bankfab.com for eligible formats.

See full breakdown

Visa Infinite benefits

Access to Visa Infinite lifestyle and travel offers.

Concierge, hotel, and travel perks for Visa Infinite cardholders. Subject to Visa's terms — visit visa.com for the current offer catalogue.

Fees

1,050AED

Joining Fee

1,050AED

Annual Fee

1.99%

Monthly Interest Rate

1.99% per month on retail purchases. Cash advance finance charges are 3.99% per month, applied from the transaction 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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FAB SHARE Card Terms and Conditions

Opens in a new tab

General Terms and Conditions

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about FAB SHARE Infinite Credit Card credit card

10,000 SHARE points credited on card activation, equivalent to AED 1,000 in redemption value. Available to new cardholders — see bankfab.com for eligibility conditions.

AED 1,050 per year (including VAT). The joining fee is also AED 1,050 — check bankfab.com for any first-year waiver promotions.

At Carrefour (in-store and online) and on eligible spends inside Mall of the Emirates or any City Centre mall in the UAE.

Yes. Earning is capped at AED 10,000 of eligible spend per month, equal to a maximum of 100,000 SHARE points (AED 1,000 in value) per month across all categories.

The card provides complimentary access to 1,300+ airport lounges worldwide via DragonPass or the Visa Infinite programme, for both the primary cardholder and one guest per visit. Annual visit limits may apply — check bankfab.com for the latest terms.

Up to 4 buy-one-get-one-free standard VOX Cinema ticket redemptions per calendar month. Booking must be made online or via the VOX app. Screen format restrictions may apply.

2% back in SHARE points on purchases made outside the UAE, with no separate international earning cap. The standard 2.61% international transaction fee still applies.

Infinite earns 8% at partner merchants vs 6% on Signature, 2% internationally vs 1.5%, adds free global lounge access, and gives 4 monthly VOX redemptions vs 3. Annual fee is AED 1,050 vs AED 525, and minimum salary is AED 25,000 vs AED 10,000.

Utilities, fuel, and other supermarkets (not Carrefour) earn 0.15% back in SHARE points instead of the standard rate.

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