FAB Credit Cards UAE 2026 — Complete Guide (Compare All Cards)
You walk into a mall. You see the FAB kiosk. The agent asks, “What kind of rewards do you want?” And you freeze. Cashback? Miles? Points? You don’t know the difference. You just want a card that doesn’t cost you money and gives you something back.
Here’s the reality: FAB has over a dozen credit cards, and most people pick the wrong one. They get a travel card when they never fly. They get a cashback card with a high annual fee that eats their rewards. They apply for a card without checking the minimum salary requirement and get rejected.
This guide cuts through the noise. Every card. Every fee. Every requirement. So you pick the one that actually fits your life.
Safety Note: UAEfinbiz is an informational guide only and does not have access to your FAB account or personal information. Never share your Emirates ID, salary certificate, bank statements, or OTP with any third-party website or individual claiming to process credit cards. Always apply directly through official FAB channels. For verified information, visit the official FAB website at www.bankfab.com . Verify all terms, rates, and fees directly with FAB before applying.
FAB Credit Cards at a Glance
FAB Rewards Active Credit Card — The Fitness Card
This is FAB’s newest innovation. It comes with a free fitness and payment ring that tracks your steps and lets you pay with a tap . You earn 25 FAB Rewards for every 1,000 steps, up to 10,000 steps daily .
Who it’s for: People who already track their steps and want their daily walk to pay for coffee.
Key benefits:
- Free access to 25+ gyms across the UAE
- Up to 20% off top sports brands
- 3-month free TOD subscription
- Earn FAB Rewards on all spends
Annual Fee: Free first year if you spend AED 3,000 within 30 days
FAB SHARE Credit Cards — For Mall Shoppers
If you spend a lot at Mall of the Emirates, City Centre malls, or Carrefour, these cards give you the highest cashback rates in the FAB lineup.
FAB SHARE Platinum:
- Minimum Salary: AED 5,000
- Annual Fee: None
- 4% cashback at malls and Carrefour
- 1% back on international spends
FAB SHARE Infinite:
- Minimum Salary: AED 25,000
- Annual Fee: AED 1,000
- 8% cashback at malls and Carrefour
- 2% back on international spends
- 10,000 bonus SHARE points on activation
Who it’s for: Regular mall shoppers. If you spend AED 1,000 at Carrefour monthly, the Platinum card gives you AED 40 back — with no annual fee.
FAB Etihad Guest Credit Cards — For Flyers
These cards earn Etihad Guest Miles. The more you spend, the more you earn.
Etihad Guest Platinum:
- Minimum Salary: AED 8,000
- Annual Fee: AED 500
- Welcome Bonus: 10,000 miles
- Earn Rate: Up to 4 miles per AED 10 spent
Etihad Guest Signature:
- Minimum Salary: AED 15,000
- Annual Fee: AED 1,500
- Welcome Bonus: 35,000 miles
- Earn Rate: Up to 5.5 miles per AED 10 spent
- Free airport lounge access
Etihad Guest Infinite:
- Minimum Salary: AED 30,000
- Annual Fee: AED 2,500
- Welcome Bonus: 55,000 miles
- Earn Rate: Up to 7 miles per AED 10 spent
- Free worldwide lounge access and fast-track to Gold membership
Who it’s for: If you fly Etihad at least twice a year, the Signature or Infinite pays for itself in miles and lounge access.
FAB Elite Credit Card — For High Earners
This is FAB’s premium card for customers earning AED 40,000+ monthly .
Key benefits:
- Exclusive access to luxury beach clubs, gyms, and premium dining
- 24/7 global concierge and free valet parking
- Guaranteed gift of gold bars and tree planting with each card
- Earn up to 500,000 FAB Rewards on all spending
Who it’s for: High-net-worth individuals who value luxury experiences over cashback.
FAB Travel Card — For International Spenders
If you travel frequently or spend in foreign currencies, this card eliminates the 2.61% + 1.15% international transaction fee that other cards charge .
Key benefits:
- 0% foreign currency transaction fees
- 12% cashback on airlines and hotel bookings
- Free yearly return flights to over 15 destinations
Who it’s for: Frequent travelers who spend in multiple currencies and want to avoid foreign transaction fees.
FAB GEMS World Credit Card — For Parents
If you pay GEMS school fees, this card gives you cashback on education expenses.
Key benefits:
- First year free
- 3% discount on GEMS school fee payments
- 10% cashback on other school-related expenses
- 0% interest payment plans for up to 12 months
Who it’s for: Parents with children in GEMS schools who want to earn on tuition payments.
FAB Islamic Credit Cards — Sharia-Compliant Options
FAB Islamic offers Sharia-compliant versions of its popular cards :
| Islamic Card | Annual Fee (AED) |
|---|---|
| FAB Emirati Islamic | 600 |
| FAB Etihad Guest Platinum Islamic | 500 |
| FAB Etihad Guest Signature Islamic | 1,500 |
| FAB Etihad Guest Infinite Islamic | 2,500 |
| FAB Cashback Islamic | 300 |
Profit rates on retail purchases: Up to 3.99% per month .
Who it’s for: Customers who want Sharia-compliant credit cards with the same benefits as conventional cards.
How to Apply — 2-Minute Digital Card
FAB offers a fully digital application process :
- Apply online or on the FAB Mobile app
- Enter your personal and financial details
- FAB runs pre-checks (salary validation, credit check, KYC)
- If approved, you get a digital card in 2 minutes with an initial AED 2,000 limit
- Add it to your digital wallet and start spending immediately
- Physical card arrives later — when activated, your full limit becomes available
What you need: Emirates ID and salary account information .
Frequently Asked Questions
Which FAB credit card has no annual fee?
The FAB SHARE Platinum Credit Card has no annual fees and a minimum salary of AED 5,000. The FAB GEMS World Credit Card is also free for the first year.
What is the minimum salary for FAB credit cards?
It varies by card. The FAB Rewards Active and SHARE Platinum require AED 5,000. Etihad Guest Platinum requires AED 8,000. The Elite card requires AED 40,000.
How do I get a FAB credit card in 2 minutes?
Apply through the FAB Mobile app or online. After pre-checks, if approved, you get a digital card with a AED 2,000 initial limit within 2 minutes. You can add it to your digital wallet and start spending immediately.
What is the FAB Travel Card?
The FAB Travel Card has 0% foreign currency transaction fees, 12% cashback on airlines and hotel bookings, and free yearly return flights to over 15 destinations. Minimum salary is AED 20,000.
Does FAB offer Islamic credit cards?
Yes. FAB Islamic offers Sharia-compliant versions of the Emirati, Etihad Guest, and Cashback cards. Profit rates on retail purchases are up to 3.99% per month.
What is the FAB Rewards Active Credit Card?
It’s FAB’s fitness-focused card with a free payment ring. You earn 25 FAB Rewards for every 1,000 steps, get free gym access, and discounts on sports brands. Minimum salary is AED 5,000.
What is the minimum payment on FAB credit cards?
The minimum monthly payment is 5% of outstanding balance or AED 100, whichever is higher.
How do I apply for a FAB credit card?
Apply online at bankfab.com, through the FAB Mobile app, by calling the contact centre, or through authorised sales agents. You’ll need your Emirates ID and salary account information.
