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Rewards Mechanism

  • For Every 1 AED Spent:
    – 15 FAB Islamic Rewards at beauty and fragrance store shopping.
    – 10 FAB Islamic Rewards on international spending.
    – 5 FAB Islamic Rewards on all other spending.

Why We Choose It

  • The card is specially designed for Emirati shoppers, offering various discounts and points redemption options at numerous stores.
  • The card provides excellent benefits for dining, shopping, and travel.
  • Shariah Compliant Credit card.

Welcoming Gift/Bonus

Currently, no welcoming bonus available.

Annual Fee (inclusive of Vat)

AED 630

Minimum Salary Requirement

AED 15,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.99%

Rewards program

FAB Islamic Rewards.

Reward Mechanism:
  • For Every 1 AED Spent:
    – 15 FAB Islamic Rewards at beauty and fragrance store shopping.
    – 10 FAB Islamic Rewards on international spending.
    – 5 FAB Islamic Rewards on all other spending.

Redeem points:

Redemption options include instant store redemptions, shopping vouchers, gift cards, cashback, travel benefits, frequent flyer miles, and utility bill payments.

Key benefits

  • Complimentary Airport Lounge Access for  you, plus guest access up to 6 times per year.
  • Up to 20% discount on dining at The Arabian Tea House, Allo Beirut, and 150 more Emirati-preferred restaurants.
  • Free access to gyms and padel courts across the UAE including UFC Gyms, Champs, and Just Padel — when you meet a monthly spend of AED 10,000.
  • Up to 25% off online fashion at partners such as Ounass and 6thStreet.com

Other benefits

  • Global Blue International VIP services include tax-free shopping and more.
  • Free valet parking across the UAE, including Dubai Mall.
  • 2 free airport transfers per year with Careem App.
  • Hotel discounts of up to 20% at Halalbooking.com
  • International Halal dining discounts.

Why We Choose It

  • The card is specially designed for Emirati shoppers, offering various discounts and points redemption options at numerous stores.
  • The card provides excellent benefits for dining, shopping, and travel.
  • Shariah Compliant Credit card.

What We Did Not Like

  • The welcome bonus offers the annual fee back as FAB Islamic Rewards. Alternatively, it could be improved by providing a first-year-free offer along with FAB Rewards as a welcome bonus.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.