Does the FAB SHARE Platinum have an annual or joining fee?

No. Both the joining fee and annual fee are free, with no minimum spend condition required to waive them.

What is a SHARE point worth?

10 SHARE points = AED 1 when redeemed with participating SHARE partners.

Where can I earn the 4% rate?

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

Is there a monthly earning cap?

Yes. You can earn a maximum of 25,000 SHARE points per month across all categories.

Where can I redeem SHARE points?

At Carrefour, VOX Cinemas, Ski Dubai, Magic Planet, and other Majid Al Futtaim partners. Check the SHARE app or bankfab.com for the full redemption catalogue.

How does the VOX 2-for-1 ticket benefit work?

You get one 2-for-1 standard ticket redemption at VOX Cinemas per calendar month, made online or via the VOX app.

What earn rate applies to international spend?

International purchases earn 1% back in SHARE points. Note that a 2.61% international transaction fee also applies on top of this, so net value on foreign spend is lower.

What earns the reduced 0.15% rate?

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

Kredit

Joining Fee: Free
Annual Fee: Free
Minimum Salary: AED 5,000

FAB SHARE Platinum Credit Card

No annual fee with 4% back in SHARE points at Carrefour and Al Futtaim malls.

Updated Apr 2026

≈ AED 14,532 potential value / year · incl. perks

Website

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeFree

Minimum SalaryAED 5,000

Monthly Interest Rate

3.99%

International Transaction Fee (non-AED)

2.61%

See all fees

Top benefits

Cinema1/month

See all benefits

Rewards

Category	Earn	Rate
Carrefour, Majid Al Futtaim Destinations	0.4 points per AED	4% 0.4 points per AED
International	0.1 points per AED	1% 0.1 points per AED
Grocery, Fuel +7 more	0.015 points per AED	0.15% 0.015 points per AED
All other spend	0.075 points per AED	0.75% 0.075 points per AED

Category	Earn	Rate
Carrefour, Majid Al Futtaim Destinations	0.4 points per AED	4% 0.4 points per AED
International	0.1 points per AED	1% 0.1 points per AED
Grocery, Fuel +7 more	0.015 points per AED	0.15% 0.015 points per AED
All other spend	0.075 points per AED	0.75% 0.075 points per AED

Total rewards capped at 25,000 points a month

See all rewards

Rewards

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

back in SHARE points on international spend.

0.75%

back in SHARE points on all other UAE spend.

0.15%

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

Rewards Calculator

My Wallet

Already have the FAB SHARE Platinum Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

Eligibility

Minimum Age

5,000AED

Minimum Income

UAE residency

Valid Emirates ID and residency visa required.

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

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Additional Benefits

2-for-1 VOX Cinema tickets

Buy 1 get 1 free at VOX Cinemas, once per calendar month.

Fees

Free

Joining Fee

Free

Annual Fee

3.99%

Monthly Interest Rate

International Transaction Fee (non-AED)2.61%*

*2.61% of the transaction amount for non-AED spend, plus applicable Visa/Mastercard scheme charges.

Foreign Currency Transaction Fee (AED abroad)2.61%*

*2.61% on foreign-currency transactions settled in AED abroad.

Supplementary CardFree*

*Complimentary.

Credit Shield1.04%*

*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

Schedule of Charges

Opens in a new tab

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 Platinum Credit Card credit card

Compare head-to-head

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Back to cards

Joining Fee: Free
Annual Fee: Free
Minimum Salary: AED 5,000

FAB SHARE Platinum Credit Card

No annual fee with 4% back in SHARE points at Carrefour and Al Futtaim malls.

Updated Apr 2026

≈ AED 14,532 potential value / year · incl. perks

Website

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeFree

Minimum SalaryAED 5,000

Monthly Interest Rate

3.99%

International Transaction Fee (non-AED)

2.61%

See all fees

Top benefits

Cinema1/month

See all benefits

Rewards

Category	Earn	Rate
Carrefour, Majid Al Futtaim Destinations	0.4 points per AED	4% 0.4 points per AED
International	0.1 points per AED	1% 0.1 points per AED
Grocery, Fuel +7 more	0.015 points per AED	0.15% 0.015 points per AED
All other spend	0.075 points per AED	0.75% 0.075 points per AED

Category	Earn	Rate
Carrefour, Majid Al Futtaim Destinations	0.4 points per AED	4% 0.4 points per AED
International	0.1 points per AED	1% 0.1 points per AED
Grocery, Fuel +7 more	0.015 points per AED	0.15% 0.015 points per AED
All other spend	0.075 points per AED	0.75% 0.075 points per AED

Total rewards capped at 25,000 points a month

See all rewards

Rewards

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

back in SHARE points on international spend.

0.75%

back in SHARE points on all other UAE spend.

0.15%

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

Rewards Calculator

My Wallet

Already have the FAB SHARE Platinum Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

Eligibility

Minimum Age

5,000AED

Minimum Income

UAE residency

Valid Emirates ID and residency visa required.

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

November Spotlight

Emirates NBD

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ENBD Voyager World Credit Card

Salary: AED 12,000+
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No Annual Fee
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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

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Offers

Card benefits at 235 places in the UAE

See on the map See all 106

Lifestyle

Merchant

Federal Authority for Identity, Citizenship, Customs & Port Security

Easy payment plans with FAB

Valid until 1 Dec 2026

View offer

Lifestyle

Merchant

Abu Dhabi Judicial Department

Easy payment plans with FAB

Valid until 30 Dec 2026

View offer

Lifestyle

Merchant

Abu Dhabi University

Enjoy 0% Easy Payment Plan on your tuition fees at Abu Dhabi University

Valid until 30 Dec 2026

View offer

Lifestyle

Merchant

ADNIC

0% installment plan

Valid until 30 Dec 2026

View offer

Payment features

See all 1

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Merchant

FAB Mobile App

Set up an installment plan in FAB Mobile

Valid until 31 Dec 2026

View payment feature

Additional Benefits

2-for-1 VOX Cinema tickets

Buy 1 get 1 free at VOX Cinemas, once per calendar month.

Fees

Free

Joining Fee

Free

Annual Fee

3.99%

Monthly Interest Rate

International Transaction Fee (non-AED)2.61%*

*2.61% of the transaction amount for non-AED spend, plus applicable Visa/Mastercard scheme charges.

Foreign Currency Transaction Fee (AED abroad)2.61%*

*2.61% on foreign-currency transactions settled in AED abroad.

Supplementary CardFree*

*Complimentary.

Credit Shield1.04%*

*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

Schedule of Charges

Opens in a new tab

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 Platinum Credit Card credit card

Compare head-to-head

See all

ENBD SHARE Platinum vs FAB SHARE Platinum

Similar cards

Compare

FIRST ABU DHABI BANK (FAB)

FAB SHARE Signature Credit Card

Salary: AED 10,000+
Annual Fee: AED 525
5,000 bonus SHARE points
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Explore

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ENBD SHARE Platinum Credit Card

Salary: AED 5,000+
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FAB Islamic Cashback Credit Card

Salary: AED 5,000+
Annual Fee: AED 315
5% cashback on fuel, dining, groceries
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FAB Emirati Islamic Credit Card

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Annual Fee: AED 630
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FAB Blue Infinite Credit Card

Salary: AED 40,000+
No Annual Fee
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FAB Blue Platinum Credit Card

Salary: AED 8,000+
No Annual Fee
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By Kredit

Published Dec 9, 2025

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