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Rewards Mechanism

  • For every AED 1:
    – 5 FAB Rewards on online spending.
    – 1 FAB Reward on all other spending, including abroad.
    – 0.5 FAB Rewards on low-interchange such as groceries and  fuel.
    – Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.

Why We Choose It

  • Free for life credit card.
  • FAB Rewards on online spending offer high returns for online spenders.

Welcoming Gift/Bonus

FAB Rewards Indulge Credit Card currently doesn’t offer a welcome bonus.

Annual Fee (inclusive of Vat)

No annual fee credit card.

Minimum Salary Requirement

AED 5,000

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 Rewards program

Reward Mechanism:
  • For every AED 1:
    – 5 FAB Rewards on online spending.
    – 1 FAB Reward on all other spending, including abroad.
    – 0.5 FAB Rewards on low-interchange such as groceries and  fuel.
    – Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.

Redeem points:

FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.

Key benefits

  • 20% off your shopping on Namshi.com
  • Airport lounge access (4 visits per year)
  • Up to 20% off at over 150 restaurants across the UAE.
  • Get up to 20% off on your favorite entertainment and attractions across the UAE.

Other benefits

  • AED 20 per standard movie ticket at Cine Royal, Star Cinemas, and Reel Cinemas.
  • 10% off car rentals with rentalcars.com.

Why We Choose It

  • Free for life credit card.
  • FAB Rewards on online spending offer high returns for online spenders.

What We Did Not Like

  • The cards will offer the greatest value once AED 10,000 is spent; otherwise, the points will be limited.
  • The high rewards rate is limited to online shopping, with reduced earnings on special categories such as groceries.

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.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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