FAB Travel Credit Card

The annual fee is AED 1,575. There is no joining fee — the card is free to get.

The welcome return flight voucher has no spend threshold, but the annual fee must be paid. From the second calendar year, another voucher requires more than AED 300,000 card spend in the previous calendar year.

The voucher code arrives by SMS within 45 days of activation and must be used within 30 days. Pick Abu Dhabi or Dubai as the departure airport, three destinations from the list of 22 (including London, Paris, Rome, Istanbul, Baku and Tbilisi) and three dates in different months, 30 days apart and at least 45 days out. About a week later you upload passport details; within 14 days Mastercard's travel partner emails one itinerary, which you accept within 48 hours. Companions can be added at your own cost.

Not necessarily. Mastercard's travel partner chooses the airline, route and final date from your three options, and the itinerary can connect through another hub. The ticket is economy return with a 3 to 30 day stay, travel must finish within 11 months of the voucher, and no changes are accepted after ticketing. Eid, Christmas, New Year and Chinese New Year are excluded.

Eligible flights and hotels earn 41 FAB Rewards per AED after AED 5,000 prior-month spend, capped at 562,500 points per month. General domestic spend earns 3 points, named low-interchange categories 0.5, and other international purchases none.

Fourteen yearly visits are shared by the cardholder and first guest after USD 1 international card spend; the purchase activates access for three months. A second guest has up to six visits after AED 5,000 monthly spend.

No. The FAB Travel Credit Card has zero foreign exchange fees — both bank and Mastercard scheme FX charges are waived on international transactions.

Mastercard converts the transaction at its published daily rate, which for the US dollar tracks the dirham's peg. Most UAE cards then add two charges on top of that rate: the bank's own foreign-transaction fee, and the card network's cross-border charge that the bank passes on. FAB waives both on this card, so the converted amount is what reaches the statement.

The minimum monthly salary requirement is AED 20,000.