Credit Card in UAE

FAB Islamic Gold Credit Card

Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

Best credit cards with 0 Annual fee*

Search your City
  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other

First Abu Dhabi Bank (FAB) is one of the largest banks in the UAE offering a wide range of banking products, services, and solutions to provide customers with a tailored experience. The bank offers multiple kinds of market-leading corporate, investment and personal banking products and services. FAB credit cards are some of the most popular finance and banking products in the UAE. AB offers a variety of credit cards in UAE to cater to the unique requirement of their customers. FAB Islamic Gold credit card is one such credit card in UAE, offering unmatched value-adding benefits.

We will cover the features, benefits, rewards, eligibility criteria, and many more key aspects of the FAB Islamic Gold credit card in this article. Let’s begin. 

Features and Benefits of FAB Islamic Gold Credit Card

FAB Islamic Gold credit card comes with a host of benefits including a cash advance facility, lesser monthly service fees and so on. As a part of loyalty benefits, the FAB Islamic Gold credit card holder earns FAB Stars for every dirham spent. 

Following are some significant benefits and features of the FAB Islamic Gold credit card:

  • FAB Islamic Gold credit card is a Sharia-compliant credit card.
  • You can earn up to 1.25 FAB stars for every AED 1 spent.
  • FAB stars can be redeemed as cashback. 
  • There is no annual fee charged on the FAB Islamic Gold credit card.
  • Cardholders have to pay a monthly service fee of AED 375.
  • The bank offers credit card protection insurance that provides coverage against theft and accidental damages.
  • On every card transaction, the user gets an SMS message alert. 
  • Enjoy interest-free credit for up to 56 days.
  • Cash advance facility is available for up to 100% of the credit card limit. Only salary transfer customers can take advantage of this facility. 
  • Cardholders will get unlimited free supplementary cards.
  • Bank levies a 3.50% interest rate and 2.49% FX rate on FAB Islamic Gold credit card. (The rate is indicative and not objective)

Eligibility Criteria to Apply for the FAB Islamic Gold Credit Card

Individuals willing to apply for the FAB Islamic Gold credit card must satisfy the eligibility criteria given below:

  • Minimum Salary Requirement: Like any other credit card in the UAE, the FAB Islamic Gold credit card comes with a minimum salary requirement. The applicant needs to have a minimum salary of AED 8000 per month to apply for the  FAB Islamic Gold credit card.
  • Employment: FAB Islamic Gold credit card is only available for salaried individuals. Self-employed individuals are not eligible to apply for this credit card.
  • Salary Transfer: Only salary transfer individuals with FAB Islamic banking can apply for the FAB Islamic Gold credit card. If necessary, you may need to provide your salary certificate for the last three or six months.
  • Age- The applicant should be at least 21 years old to apply for the FAB credit card. There may be a maximum age applicable for the application eligibility criteria as well. 
  • Credit Score- It is recommended to have a good credit score when you apply for a credit card in UAE. FAB may require the candidate to at least have a 580 credit score. A good credit score increases the chances of credit card application approval. However, candidates may get their applications approved even with a slightly lower credit score. 
insurer your car

Documents Required to Apply for FAB Islamic Gold Credit Card

Keep the following documents handy for availing of the FAB Islamic Gold credit card:

  • Emirates ID
  • UAE residence visa and passport for ex-pats
  • Address proof such as utility bills
  • Salary certificate
  • Bank statements

Note:  The bank may ask for some other required documents if necessary.

Fees & Charges for FAB Islamic Gold Credit Card

Before using the card, it is pertinent to be aware of the fees and charges levied on FAB Islamic Gold credit cards. Some standard fees and charges imposed on the FAB Islamic Gold credit card are listed below:

  • Annual Fees:  AED 0
  • Monthly Service Fees: AED 375
  • Cash Advance Fees: AED 52.50 per transaction
  • Over-Limit Fee: AED 0
  • Supplementary Card Annual Fee: Free

*The complete list of fees and charges of the FAB Islamic Gold credit card can be found on the official website of First Abu Dhabi Bank*

How to Apply for FAB Islamic Gold Credit Card?

Once you qualify for the FAB Islamic Gold credit card eligibility, the FAB Islamic Gold credit card application process is quick and straightforward. Applicants can apply for the FAB Islamic Gold credit card online using the official website or the provider or our official website, Policybazaar.ae. Let’s cover the steps involved:

  • Online Application via Bank’s Website: To apply for the FAB Islamic Gold credit card, visit the official website of First Abu Dhabi Bank and click on the credit card section. Choose the FAB Islamic Gold credit card and tap on the 'Apply' button. Once you have filled in all the necessary information, submit the credit card application. Bank will verify the credibility of the given information and decide whether you are eligible for the FAB Islamic Gold credit card. Once the application has been approved, your credit card will be sent to your residence. 
  • Online Application via Policybazaar UAE: Another way to apply for your FAB credit cards is via Policybazaar.ae, our official website. You can browse different available credit cards on the website and choose the one that you find the best. Complete your application in a few simple steps. The bank will receive the application form, examine it and send the credit card to your residence. 
insurer your car

How to Cancel a FAB Islamic Gold Credit Card?

If you are unable to use the FAB Islamic Gold credit card and want to prevent unnecessary charges from accumulating on your card, you can cancel your card instantaneously. Card cancellation is mandatory for safety reasons if your card has been stolen or lost. 

Cardholders can contact the FAB customer service centre and request the FAB Islamic Gold credit card cancellation. It is to be noted that cardholders can initiate a cancellation request only after all outstanding dues of the FAB Islamic Gold credit card are cleared. Once your due payments are cleared, FAB will cancel the credit card. 

Other FAB Credit Card
FAB Al-Futtaim World Elite Credit Card FAB Cashback Credit Card
FAB Al Futtaim Platinum Credit Card FAB du Platinum Credit Card
FAB du Titanium Credit Card FAB Etihad Guest Infinite Credit Card
FAB Etihad Guest Signature Credit Card FAB Etihad Guest Platinum Credit Card
FAB Manchester City Infinite Credit Card FAB Manchester City Titanium Credit Card
FAB Elite Infinite Credit Card FAB Infinite Credit Card
FAB Signature Credit Card FAB Platinum Credit Card
FAB Classic Credit Card FAB Standard Credit Card
FAB Abu Dhabi Platinum Credit Card FAB Abu Dhabi Titanium Credit Card
FAB World Elite Credit Card FAB Gems Titanium Credit Card
FAB Gold Credit Card  

FAQs

How much can I earn with the FAB Islamic Gold credit card loyalty programme?

Under the exclusive FAB loyalty programme, you can earn up to 1.25 FAB stars on every AED 1 you spend with the FAB Islamic Gold credit card. You can redeem FAB stars as cashback.

How much do I have to pay for each non-AED transaction on the FAB Islamic Gold credit card?

FAB charges 2.49% of the transaction amount for every non-AED transaction on the FAB Islamic Gold credit card.

I am operating a business in the UAE. Can I apply for the FAB Islamic Gold credit card?

No, only salaried individuals transferring their salary to First Abu Dhabi Bank can apply for the FAB Islamic Gold credit card.

What is the annual fee for FAB supplementary cards offered with the FAB Islamic Gold credit card?

Supplementary cards are free for life with the FAB Islamic Gold credit card.

Credit Cards Reviews & Ratings

4.7/5 (based on 5 reviews)
More From Credit Cards
Recents ArticlesPopular Articles