What is the FAB SHARE Signature welcome bonus?

5,000 SHARE points credited on card activation, equivalent to AED 500 in redemption value. Available to new cardholders — see bankfab.com for eligibility conditions.

What is the annual fee on the Signature?

AED 525 per year (including VAT). The joining fee is also AED 525 — check bankfab.com for any first-year waiver promotions.

Where does the 6% earn rate apply?

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

Is there a monthly earning cap?

Yes. Earning is capped at AED 5,000 of eligible spend per month, equal to a maximum of 50,000 SHARE points (AED 500 in value) per month across all categories.

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

You get up to 3 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.

What earn rate applies to international spend?

1.5% back in SHARE points on purchases made outside the UAE. The standard 2.61% international transaction fee also applies, so net value on foreign spend is reduced.

How does the Signature compare to the Platinum?

Signature earns 6% at partner merchants vs 4% on Platinum, 1.5% internationally vs 1%, and allows 3 VOX redemptions per month vs 1. Annual fee is AED 525 vs free, and minimum salary is AED 10,000 vs AED 5,000.

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.

FAB SHARE Signature Credit Card Benefits

Welcome offer

5,000 bonus SHARE points

Receive 5,000 SHARE points (worth AED 500) on card activation.

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

See full breakdown

Rewards

6%

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 5,000 of eligible spend per month (50,000 SHARE points maximum per month across all categories).

See full breakdown

1.5%

back in SHARE points on international spend.

Earn on purchases made outside the UAE. Subject to the 50,000 SHARE points monthly cap.

See full breakdown

1%

back in SHARE points on all other UAE spend.

Applies to everyday UAE purchases not covered by the 6% partner rate. Subject to the 50,000 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 50,000 SHARE points monthly cap.

See full breakdown

Rewards Calculator

0 AED

Per Year

You can earn this amount based on your monthly spends per category.

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INTERNATIONAL

CARREFOUR, AL FUTTAIM DESTINATIONS

GROCERY, FUEL +9 MORE

OTHER SPENDS

Additional Benefits

2-for-1 VOX Cinema tickets

Buy 1 get 1 free at VOX Cinemas, up to 3 times per calendar month.

Online or app booking only, up to 3 times per calendar month. See bankfab.com for eligible formats.

See full breakdown

Visa Signature benefits

Access to Visa Signature lifestyle and travel offers.

Hotel, dining, and travel perks for Visa Signature cardholders. Subject to Visa's terms — visit visa.com for the current offer catalogue.

Eligibility

21

Minimum Age

10,000AED

Minimum Income

UAE residency

Valid Emirates ID and residency visa required.

Fees

525AED

Joining Fee

525AED

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%*