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Rewards Mechanism

41 FAB Rewards per AED 1 on flight & hotel spends (equivalent to 12% cashback) — subject to a minimum AED 5,000 retail spend in the previous month, capped at AED 1,800/month.

For every AED 1:

  • 3 FAB Rewards on domestic spends (excluding hotel and airline spend).
  • 0.5 FAB Rewards on selected everyday categories.

Why We Choose It

  • 0% foreign currency fees is a key advantage.

Welcoming Gift/Bonus

New FAB Travel Credit Card cardholders receive a free return flight voucher to over 15 destinations upon card activation. Destinations include London, Paris, Istanbul, Baku, Tbilisi, and Mumbai. This is an activation benefit — no minimum spend is required to unlock it for the first year

Annual Fee (inclusive of Vat)

AED 1,575

Minimum Salary Requirement

AED 25,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.85%

Rewards program

FAB Rewards

Reward Mechanism:

41 FAB Rewards per AED 1 on flight & hotel spends (equivalent to 12% cashback) — subject to a minimum AED 5,000 retail spend in the previous month, capped at AED 1,800/month.

For every AED 1:

  • 3 FAB Rewards on domestic spends (excluding hotel and airline spend).
  • 0.5 FAB Rewards on selected everyday categories.

Redeem points:

Redemption options include games, shopping vouchers, gift cards, cashback, travel perks, frequent flyer miles, and Shukrans. Use your points to enter a raffle draw for a chance to win additional rewards.

Key benefits

  • Complimentary lounge access for the cardholder and two guests can enjoy global airport lounges. The second guest can enjoy up to six visits if a minimum spend of AED 5,000 per month.
  • 0% foreign currency conversion fees.
  • Up to 6 free airport transfers a year within the UAE with the Careem App
  • Airport Security Fast Track Services up to 3 times a year.
  • Free flight each year to over 15 destinations with a minimum annual spend of AED 300,000.
  • 1 GB of free global roaming data 3 times a year with the Flexiroam app
  • Exchange FAB Rewards into Etihad Guest Miles, and much more.

Other benefits

  • Travel Medical and Inconvenience Insurance.
  • Exclusive Travel Discounts and benefits on Cleartrip, Hertz car rental rewards, visa assistance, and travel concierge services.

Why We Choose It

  • 0% foreign currency fees is a key advantage.

What We Did Not Like

  • AED 25,000 minimum salary excludes most mid-income earners

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

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