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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

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.