FAB Credit Cards in UAE

Incorporated in 2016, First Abu Dhabi Bank (commonly known as FAB) is one of the largest banking institutions in the UAE and is a result of a legal merger between the First Gulf Bank (FGB) & the National Bank of Abu Dhabi (NBAD). Headquartered in Abu Dhabi, FAB’s international network spans more than 19 countries throughout the world and it offers a wide range of tailor-made products, solutions, and services in order to meet its customers various financial needs.

One such amazing product is the FAB credit card. The bank offers a broad range of credit cards such as travel, cash back, lifestyle, and rewards credit cards that come with exciting benefits and features. From discounted offers on travel and movie to cash back offer and various other lifestyle benefits, FAB credit card lets its card members make the most of their every expenditure.

Most Popular FAB Credit Cards in UAE - Interest Rates, Annual Fees, & Minimum Salary

Given below are the interest rate and annual membership fees for all FAB credit cards:

(Updated as on June 2020)

Types of FAB Credit Cards

FAB offers different types of credit cards that are classified into different categories based on the type of benefits and features they offer. Following are the credit cards offered by the FAB:

Cashback Credit Card

• FAB Cashback Credit Card

AI-Futtaim Credit Cards

• FAB Al-Futtaim World Elite Credit Card
• FAB Al-Futtaim Platinum Credit Card

du Credit Cards

• FAB du Platinum Credit Card
• FAB du Titanium Credit Card

Etihad Guest Credit Cards

• FAB Etihad Guest Infinite Credit Card
• FAB Etihad Guest Signature Credit Card
• FAB Etihad Guest Platinum Credit Card

Manchester City Credit Cards

• FAB Manchester City Infinite Credit Card
• FAB Manchester City Titanium Credit Card

Other Credit Cards

• 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 World Elite Credit Card
• FAB Abu Dhabi Platinum Credit Card
• FAB Abu Dhabi Titanium Credit Card
• FAB GEMS Titanium Credit Card

Cashback Credit Card

Following is the cashback credit card offered by the FAB:

FAB Cashback Credit Card

• Annual Membership Fee: AED 315
• Retail Interest Per Month: Up to 3.50%
• Minimum Monthly Income Required: AED 5000
• This FAB Card Offers Cashback, Airport Lounge Access, Movie Discount, Travel Discounts, Hotel Discounts & more.

Features & Benefits of FAB Cashback Credit Card

• Welcome Bonus of AED 300 Cashback: The card member can earn AED 300 as bonus cash back upon making one retail transaction in the 1^st month of issuance of this FAB Card.
• Cash back Offers: This FAB Cashback credit card offers assured cashback earning a maximum of 5% with a ‘no minimum’ spending criteria. The cash back will be calculated monthly and it will be rewarded by the statement date upon request. Following is the cash back that can be earned in different spending categories:
  • 5% cashback can be earned on all supermarket spends which includes online spends as well.
  • 5% cashback can be earned on utility bill payments and fuel spends.
  • 2% cashback can be earned on foreign spends.
  • 1% cashback can be earned on all other retail expenditures that includes online shopping.
• Cinema Tickets from Only AED 15: Card members can avail of 2 discounted movie tickets at just AED 15 each on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal. Plus, they can avail themselves a maximum of 20% off on food & beverages. In order to avail of this offer, they just need to spend AED 3000 monthly.
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using this FAB card.
• Careem Rides: The card member can enjoy a 20% discount on the Careem ride.
• BOGO Offers: Card members can enjoy more than 900 offers across over 90 destinations and more than 600 merchants. All they need to download the Mastercard Buy 1 Get 1 mobile app and register for this FAB card to enjoy these offers.
• Free Airport Lounge Access: The card member can enjoy unlimited access to more than 10 airport lounges in UAE, Kuwait, Jordan, Egypt, and KSA on a complimentary basis.
• Protection Benefits: This FAB credit card also comes with some additional protection benefits such as Credit Shield Plus and Wallet Sheild.
• Avis Offer: Card members can enjoy exclusive offers with AVIS.
• Luxury Serviced Apartments & Hotels Offers: Card members can enjoy a maximum of 15% off on their stay at Luxury Serviced Apartments. 

AI-Futtaim Credit Cards

Following are the AI-Futtaim Credit Cards offered by FAB:

FAB Al-Futtaim World Elite Credit Card

• Retail Interest Per Month: 3.25%
• Minimum Monthly Income Required: AED 40,000
• This FAB Credit Card Offers No Annual Fees, Movie Discount, Travel Discounts, Special Discounts & more.

Features & Benefits of FAB Al-Futtaim World Elite Credit Card

• AI-Futtaim Stars Rewards: Card members are given an automatic enrollment into the reward program where they can earn AI-Futtaim Stars as reward points on every AED spent. The accumulated reward points can be redeemed for Skywards Miles from Emirates, Etihad Guest Miles, AI-Futtaim Store spends or cashback that will credited to the FAB card. Following is the number of AI-Futtaim Stars that the card member can redeem in different categories:
  • For every AED 1 spent at AI-Futtaim stores, showrooms and schools, card members can earn 5 AI-Futtaim Stars.
  • Card members can earn 1 AI-Futtaim Star for each AED 1 spent elsewhere.
• World Elite Air Programme Accessibility: Card members can have their own personal travel advisor and enjoy access to the World Elite Air Programme.
• 0% Easy Payment Plan (EPP): This card comes with an EPP feature that enable card members to make large purchases at AI-Futtaim stores and showrooms & convert it into monthly installments at 0% interest rate.
• Cinema Tickets from Only AED 15: Card members can get a maximum of 8 discounted movie tickets per month at just AED 15 each on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal.
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using FAB Al-Futtaim World Elite Credit Card.
• AI-Futtaim stores and showrooms: The card member can avail exclusive offers from AI-Futtaim stores and showrooms.
• Mastercard Offers: The card member can enjoy the following Mastercard offers:
  • Cardholders can get access to dining benefits via Priceless Arabia.
  • The card member can make their stay more rewarding at 200+ participating Marriott Bonvoy Hotels throughout Middle East & Africa.
  • Cardholders can enjoy the round the clock Conceirge service.
• Airport Transfers: The card member can avail 8 airport transfers each year from AED 40 only (within the city service) or AED 100 (inter-city service).
• Meet & Greet Service: Being a member of this FAB card, one can avail 8 Meet & Greet Services annually from just AED 40 (single person booking) or AED 100 (family booking).
• Airport Lounge Access: Card members can enjoy access to more than 1000 airport lounges globally.
• Mastercard Travel Offers: With FAB Al-Futtaim World Elite Credit Card, one can enjoy access to the World Elite Air Programme in order to enjoy savings & discount on some selective airlines, free room upgrades, daily breakfast for two, late check-outs, and a lot more.
• Credit Shield Plus: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.
• Travel Accident Insurance: Card members can avail of free travel accident insurance of a maximum of US $ 500,000.
• Travel Inconvenience Insurance: This FAB Al-Futtaim World Elite Credit Card offers travel inconvenience insurance to make your travel experience hassle-free. It compensates for baggage loss, baggage delay, missed flights.
• Stolen & Lost Card: If the card gets lost or stolen, the cardholder can immediately call the hotline to block their card and receive a replacement card within only one working day.
• Loss Damage & Rental Collision Waiver: Card members can enjoy rental vehicle collision cover as well as loss damage waiver of a maximum of US $ 50,000.

FAB Al-Futtaim Platinum Credit Card

• Retail Interest Per Month: 3.25%
• Minimum Monthly Income Required: AED 8,000
• This FAB Credit Card Offers  No annual fees, Special Discount & more.

Features & Benefits of FAB Al-Futtaim Platinum Credit Card 

• AI-Futtaim Stars Rewards: Card members are given an automatic enrollment into the reward program where they can earn AI-Futtaim Stars as reward points on every AED spent. The accumulated reward points can be redeemed for Skywards Miles from Emirates, Etihad Guest Miles, AI-Futtaim Store spends, or cash back that will credited to the FAB Al-Futtaim Platinum Credit Card. Following is the number of AI-Futtaim Stars that the card member can redeem in different categories:
  • For every AED 1 spent at AI-Futtaim stores, showrooms and schools, card members can earn 5 AI-Futtaim Stars.
  • Card members can earn 1 AI-Futtaim Star for each AED 1 spent elsewhere.
• 0% Easy Payment Plan (EPP): This card comes with an EPP feature that enable card members to make large purchases at AI-Futtaim stores and showrooms & convert it into monthly installments at 0% interest rate.
• Balance Transfer: Card members can transfer their credit card outstanding debts from a non-FAB Al-Futtaim Platinum Credit Card to this FAB credit card. The repayment towards the balance transfer can be made in installment periods of up to 12 months at 0% interest rate.
• Cinema Tickets from Only AED 15: Card members can get a maximum of 4 discounted movie tickets per month at just AED 15 each on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal.
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using FAB Al-Futtaim Platinum Credit Card.
• AI-Futtaim stores and showrooms: The card member can avail exclusive offers from AI-Futtaim stores and showrooms.
• Mastercard Offers: The card member can enjoy a wide range of exclusive offers and experiences across dining, sports, entertainment, shopping, hotels, tickets, and attractions via Priceless Arabia.
• Airport Transfers: The card member can avail of 2 airport transfers each year from AED 40 only (within the city service).
• Airport Lounge Access: Card members can enjoy access to airport lounges throughout the Middle East with no prior booking required.
• Careem Ride: Card members can enjoy a 20% discount on three Careem rides every month. To enjoy this offer, they need to use the promo code –MASTERCARD. Also, new Careem customers can enjoy their first ride for free. All they need to add this card in the Careem app and enter the promo code MC1RIDE upon booking their free 1st ride.
• Credit Shield Plus: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.
• Purchase Protection: With this card, one can enjoy purchase protection globally.
• Stolen & Lost Card: If the card gets lost or stolen, the cardholder can immediately call the hotline to block their card and receive a replacement card within only one working day.
• Emergency Assistance: During any emergency, cardmembers can access up to USD 2,000 (or equivalent in domestic currency) by taking the help of 24x7 emergency cash advance service that is available at 250,000 locations globally.

du Credit Cards

Following are the FAB du credit cards:

FAB du Platinum Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 15,000
• This FAB Card Offers No Annual Fees, Airport Lounge Access, Special Discounts & more.

Features & Benefits of FAB du Platinum Credit Card

• First Reward Points: Members of this FAB bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “First Reward Point” on every AED spent. The accumulated first reward points can be redeemed for du bills (broadband, TV, mobile, call select-landline), AADC, ADDC, SEWA, DEWA, and RTA. Following is the number of First Reward Point that the card member can redeem in different categories:
  • 2 First Reward Points can be earned on every AED spent internationally.
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
• First Cashback: Cardholders can earn up to 3% First Cash back on local spending and up to 5% First cashback on international spending.
• First Miles: Card members can earn up to 2 First Miles on every USD spent internationally and they can earn up to 1 First Mile on every USD spent locally. Moreover, the accumulated First Miles can be redeemed
• Triple First Reward Points: Cardmembers can opt for the first rewards loyalty program and they can earn triple first reward points on purchases or recharges and du bill payments.
• Exclusive du Benefits: Cardholders can enjoy the following dial-up telecom privileges:
  • 10% off on du postpaid line bills.
  • 10% off on du home service bill payments.
  • 10% off on du Smartphone Privilege plan monthly data charges.
  • 10% worth of bonus credit on prepaid line recharges.

Please note that all the aforementioned du offers are applicable with du auto-payment set-up only.

• Easy Payment Plan (EPP): du EPP is an upfront full payment purchase of a handset along with the subscription for the data package contract. Card members can get cash 10% cash back on the total bill amount by just contacting the call center on number 600525500 & showing their purchase receipt. And then, they can covert the purchase in easy monthly installments for the tenure of up to 12 months at 0% interest rate.
• Smart Phone Privilege Plan (SPP): du SPP plan is an upfront handset purchase & data package contract for the preset tenor with a monthly payment for the subscribed data package billed as a part of the cardholder’s du bill setup on the du auto-payment facility. Card members can also enjoy 10% cash back on the data plan monthly charges.
• Tap & Go: This card is enabled with the Mastercard contactless feature.
• Cinema Tickets from Only AED 15: Card members can avail a maximum of 4 discounted movie tickets monthly from just AED 15 on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal.
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using FAB du Platinum Credit Card.
• Priceless Arabia Mastercard Offers: The cardholder can enjoy a wide range of lucrative offers and experiences across dining, tickets, sports, entertainment, shopping, attractions, and hotels.
• Travel benefits: The cardholder can enjoy exciting travel benefits when using the FAB du Platinum Credit Card for purchases and they are as follows:
  • 4 free access to more than 1000 airport lounges in over 300 cities.
  • Unlimited free access to more than 25 regional & international airport lounges across the UAE, Jordan, Saudi Arabia, USA, UK, and more.
• Global Purchase Protection: All the items that have been purchased using the FAB du Platinum Credit Card are protected against theft or accidental damage for up to 180 days from the purchase date.
• Emergency Assistance: During any emergency, card members can access cash by taking the help of a 24x7 emergency cash advance service that is available at plenty of locations globally.

FAB du Titanium Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 5,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts & more.

Features & Benefits of FAB  du Titanium Credit Card

• First Reward Points: Members of this FAB bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “First Reward Point” on every AED spent. The accumulated first reward points can be redeemed for du bills (broadband, TV, mobile, call select-landline), AADC, ADDC, SEWA, DEWA, and RTA. Following is the number of First Reward Point that the card member can redeem in different categories:
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
  • 2 First Reward Points can be earned on every AED spent internationally. (minimum cumulative spend of AED 500 & a maximum spend of AED 20,000 during a given month)
• First Cashback: Cardholders can earn up to 3% First Cash back on local spending and up to 5% First cashback on international spending. Please note that the cashback earning is capped at AED 1000 per cycle.
• Triple First Reward Points: Card members can opt for the first rewards loyalty program and they can earn triple first reward points on purchases or recharges and du bill payments.
• Exclusive du Benefits: Cardholders can enjoy the following dial up telecom privileges:
  • 10% off on du postpaid line bills.
  • 10% off on du home service bill payments.
  • 10% off on du Smartphone Privilege plan monthly data charges.
  • 10% worth of bonus credit on prepaid line recharges.

Please note that all the aforementioned du offers are applicable with du auto-payment set-up only.

• Easy Payment Plan (EPP): du EPP is an upfront full payment purchase of a handset along with the subscription for data package contract. Card members can get cash 10% cash back on the total bill amount by just contacting the call center on number 600525500 & showing their purchase receipt. And then, they can covert the purchase in easy monthly installments for the tenure of up to 12 months at 0% interest rate.
• Smart Phone Privilege Plan (SPP): du SPP plan is an upfront handset purchase & data package contract for the preset tenor with a monthly payment for the subscribed data package billed as a part of the cardholder’s du bill setup on du auto-payment facility. Card members can also enjoy 10% cash back on the data plan monthly charges.
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using FAB du Titanium Credit Card.
• Priceless Arabia Mastercard Offers: The cardholder can enjoy a wide range of lucrative offers and experiences across dining, tickets, sports, entertainment, shopping, attractions, and hotels.
• Airport Lounge Access: The cardholder can enjoy free access to more than 10 VIP airport lounges across the UAE, Jordan, Saudi Arabia, Egypt, and Kuwait.
• Tap & Go: This card is enabled with the Mastercard contactless feature.

Etihad Guest Credit Cards

Following are the Etihad Guest Credit Cards offered by the FAB:

FAB Etihad Guest Infinite Credit Card

• Annual Membership Fees: AED 2500
• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 30,000
• This FAB Credit Card Offers : Special Discounts & more.

Features & Benefits of FAB Etihad Guest Infinite Credit Card

• Joining Privileges: Card members can enjoy the following joining benefits:
• Welcome Bonus: As a welcome bonus, primary card members will get 55000 joining Etihad Guest Miles and supplementary card members will get 5,000 joining Etihad Guest Miles.
• Double Etihad Guest Miles: Cardholders can get double Etihad Guest Miles for the first three months upon using their FAB Etihad Guest Infinite Credit Card on recurring expenditures like groceries, school fees or utility bills.
• Double Etihad Guest Tier Miles: Being a member of this card, one can avail Double Etihad Guest Tier Miles for first three months on all local as well as international spends.
• Etihad Guest Miles Reward Points: The card member can earn Etihad Guest Miles for each AED 10 spent. Following is the earning rate of Etihad Guest Miles on differing categories:
  • 5 Miles can be earned on each AED 10 spent on local transactions.
  • 6 Miles can be earned on each AED 10 spent on international transactions.
  • 9 Miles can be earned on each AED 10 spent on Etihad or Etihad Airways partners.
  • 5 Miles can be earned on each AED 10 spent on balance transfer (for non-FAB du Titanium Credit Card).
• Etihad Tier Miles Reward Points: The card member can earn 2.5 Miles on every AED 10 spent locally as well as internationally.
• Miles Accelerator Program: Cardmembers can earn 7.5 Etihad Guest Miles on every AED 10 spent on domestic as well as international transactions with an optional enrollment into this program (monthly fee of AED 250 only).
• Benefits with Etihad Airways: With this card, one can enjoy the following benefits with Etihad Airways:
• 75% Miles Discounted Voucher: Cardmembers can earn a 75% Etihad Guest Miles discounted voucher yearly upon making spending of AED 200,000 or above than that with FAB du Titanium Credit Card. This discounted voucher gives a discount of 75% on the Etihad Guest Miles required for the reward flight to any travel destination & any class.
• Fast Track Enrollment to Etihad Guest Gold Membership: The cardholder can become a member of Etihad Guest Gold by just completing one return flight with Etihad within 6 months of activation of this FAB bank credit card.
• Free Inflight WIFI Vouchers: Cardmembers can avail of 4 complimentary inflight wifi vouchers for a maximum of 24 hours of uptime on Etihad flights.
• Airport Transfers: The card member can avail of 6 airport transfers annually from AED 40 only (within the city service) or AED 100 (inter-city service).
• Meet & Greet Service: Being a member of this FAB Etihad Guest Infinite Credit Card, one can avail of 6 Meet & Greet Services annually from just AED 40 (single person booking) or AED 100 (family booking).
• Airport Lounge Access: Card members can enjoy up to 12 visits to more than 1000 airport lounges in over 300 cities globally through LoungeKey.
• Airport Transfer with Careem: This FAB bank credit card offers a 50% discount on 4 airport transfers with Careem (Up to AED 50). To enjoy this offer, use the promo code- UAEVI50.
• Cinema Tickets from Only AED 15: Card members can avail a maximum of 6 discounted movie tickets monthly from just AED 15 on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Etihad Guest Infinite Credit Card.
• Travel Accident Insurance: The card member can enjoy free travel accident insurance of up to US $ 1 million.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.
• Fraudulent Transaction Protection: Card members can take benefit from automatic protection against unauthorized transactions or fraudulent use of their card.
• Free International Travel & Medical Assistance: With this insurance, card members, as well as their families, are covered on all trips for up to 90 days. Following are the benefits that the cardholder can enjoy:
  • Emergency Medical Expenses Coverage of up to USD 1 million.
  • Trip Cancellation/Curtailment coverage for up to USD 7500.
  • Delayed Departure Coverage of up to USD 1,000
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.

FAB Etihad Guest Signature Credit Card

• Annual Membership Fees: AED 1500
• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 15,000
• This FAB Credit Card Offers Special Discounts & more.

Features & Benefits of FAB Etihad Guest Infinite Credit Card

• Joining Privileges: Card members can enjoy the following joining benefits:
• Welcome Bonus: As a welcome bonus, primary card members will get 35,000 joining Etihad Guest Miles and supplementary card members will get 5,000 joining Etihad Guest Miles.
• Double Etihad Guest Miles: Cardholders can get double Etihad Guest Miles for first three months upon using their FAB Etihad Guest Signature Credit Card on recurring expenditures like groceries, school fees or utility bills.
• Double Etihad Guest Tier Miles: Being a member of this card, one can avail Double Etihad Guest Tier Miles for first three months on all local as well as international spends.
• Etihad Guest Miles Reward Points: The card member can earn Etihad Guest Miles for every AED 10 spent. Following is the earning rate of Etihad Guest Miles on differing categories:
  • 5 Miles can be earned on every AED 10 spent on local transactions.
  • 5 Miles can be earned on every AED 10 spent on international transactions.
  • 7 Miles can be earned on every AED 10 spent on Etihad or Etihad Airways partners.
  • 5 Miles can be earned on every AED 10 spent on balance transfer (for non FAB credit cards).
• Etihad Tier Miles Reward Points: The card member can earn 2.5 Miles on every AED 10 spent locally as well as internationally.
• Miles Accelerator Program: Card members can earn 6.5 Etihad Guest Miles on every AED 10 spent on domestic as well as international transactions with an optional enrollment into this program (monthly fee of AED 250 only).
• Benefits with Etihad Airways: With this card, one can enjoy the following benefits with Etihad Airways:
• 50% Miles Discounted Voucher: Upon spending AED 150,000 or more with FAB Etihad Guest Infinite Credit Card, card members can earn a 50% Etihad Guest Miles discounted voucher yearly. This discounted voucher offers a 50% off on the Etihad Guest Miles required for the reward flight to any travel destination & any class.
• Fast Track Enrollment to Etihad Guest Silver Membership: The cardholder can become a member of Etihad Guest Silver by just completing 2 return flights with Etihad within 6 months of activation of this FAB bank credit card.
• Free Inflight WIFI Vouchers: Card members can avail 2 complimentary inflight wifi vouchers for a maximum of 24 hours of uptime on Etihad flights.
• Airport Transfers: The card member can avail 2 airport transfers annually from AED 40 only (within the city service).
• Airport Lounge Access: Card members can enjoy up to 8 visits to more than 1000 airport lounges in over 300 cities globally through LoungeKey.
• Cinema Tickets from Only AED 15: Card members can avail 4 discounted movie tickets monthly from just AED 15 on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using this FAB credit card.
• Travel Accident Insurance: The card member can enjoy free travel accident insurance of up to US $ 500,000.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.
• Fraudulent Transaction Protection: Card members can take benefit from automatic protection against unauthorized transactions or fraudulent use of their card.
• Free International Travel & Medical Assistance: With this insurance, card members as well as their family are covered on all trips for up to 90 days. Following are the benefits that the cardholder can enjoy:
  • Emergency Medical Expenses Coverage of up to USD 150,000.
  • Trip Cancellation/Curtailment coverage for up to USD 5000.
  • Delayed Departure Coverage of up to USD 42/per hour (up to USD 1,000).
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.

FAB Etihad Guest Platinum Credit Card

• Annual Membership Fees: AED 500
• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 8,000
• This FAB Credit Card Offers Special Discounts & more.

Features & Benefits of FAB Etihad Guest Platinum Credit Card

• Joining Privileges: Card members can enjoy the following joining benefits:
• Welcome Bonus: As a welcome bonus, primary card members will get 10,000 joining Etihad Guest Miles and supplementary card members will get 5,000 joining Etihad Guest Miles.
• Double Etihad Guest Miles: Cardholders can get double Etihad Guest Miles for first three months upon using their FAB Etihad Guest Platinum Credit Card on recurring expenditures like groceries, school fees or utility bills.
• Etihad Guest Miles Reward Points: The card member can earn Etihad Guest Miles for every AED 10 spent. Following is the earning rate of Etihad Guest Miles on differing categories:
  • 5 Miles can be earned on every AED 10 spent on local transactions.
  • 4 Miles can be earned on every AED 10 spent on international transactions.
  • 5 Miles can be earned on every AED 10 spent on Etihad or Etihad Airways partners.
  • 5 Miles can be earned on every AED 10 spent on balance transfer (for non FAB credit cards).
• Miles Accelerator Program: Card members can earn 5.5 Etihad Guest Miles on every AED 10 spent on domestic as well as international transactions with an optional enrollment into this program (monthly fee of AED 250 only).
• 25% Miles Discounted Voucher: Upon spending AED 100,000 or more with this FAB credit card, card members can earn a 25% Etihad Guest Miles discounted voucher yearly. This discounted voucher offers a 25% off on the Etihad Guest Miles required for the reward flight to any travel destination & any class.
• Airport Transfers: The card member can avail 2 airport transfers annually.
• Cinema Tickets from Only AED 15: Card members can avail 4 discounted movie tickets monthly from just AED 15 on weekdays and AED 20 on weekends at Oscar Cinema, REEL Cinemas, and Cine Royal.
• BOGO offers on VOX Cinema: Card members can get one movie ticket absolutely free upon purchasing a movie ticket to any Sunday show at VOX Cinema across the UAE.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using this FAB credit card.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.
• International Travel & Medical Assistance: The cardholder can enjoy international travel & medical assistance on a complimentary basis.
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.

Manchester City Credit Cards

Following are the Manchester city credit cards offered by FAB:

FAB Manchester City Infinite Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 30,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, travel Discounts, Special Discounts & more.

Features & Benefits of FAB Manchester City Infinite Credit Card

• First Rewards Points: Members of this FAB bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “First Reward Point” on every AED spent. The accumulated first reward points can be redeemed for du bills (broadband, TV, mobile, call select-landline), Etisalat( Dial up, Landline, Wasel, AI Shamil, GSM or E-vision), AADC, ADDC, SEWA, DEWA, Orbit, Showtime, and RTA. Following is the number of First Rewards Point that the card member can earn in different categories:
  • 2 First Reward Points can be earned on every AED spent internationally.
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
• First Cashback: Cardholders can earn up to 3% First Cash back on local spends and up to 5% First cash back on international spends.
• First Miles: Card members can earn up to 2 First Miles on every USD spent internationally and they can earn up to 1 First Mile on every USD spent locally. Moreover, the accumulated First Miles can be redeemed against any airline, travel service or destination.
• Airport Lounge Access: The cardholder as well as one accompanying guest can enjoy access to over 1000 airport lounges globally.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Manchester City Infinite Credit Card.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Cinema Offers: Card members can avail 6 discounted movie tickets monthly with Oscar Cinema, REEL Cinemas, and Cine Royal and at AED 20 on weekends at VOX Cinemas.
• Valet Parking: Cardholders can avail up to 3 valet parking services monthly at some specific locations.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Manchester City Infinite Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Benefits: Being a member of the FAB Manchester City Infinite Credit Card, one can avail the following exciting benefits:
  • The cardholder can win all-expenses paid trip to the United Kingdom for 2 individuals to cheer on the Boys in Blue live at the Etihad Stadium. There are 5 winners each year who can enjoy this privilege.
  • The cardholder can win all-expenses paid trip for 2 individuals to meet Manchester City Players personally, watch them in action, visit the training ground, and also tour to the Etihad Stadium. There are 5 winners in every 6 months who can enjoy this privilege.
  • One can avail the best football coaching for girls & boys from leading Manchester City coaches at the Manchester City Football School in Abu Dhabi. There are 5 winners in every quarter who can enjoy this privilege.
  • Cardholders can also avail of shopping benefits at their favorite malls with discount vouchers that are worth up to AED 1500. There are 10 winners each month who can enjoy this privilege.
• Visa Offers: Being a member of this First Abu Dhabi Bank Credit Card, one can enjoy more than hundreds of amazing Visa offers.
• Agoda Discount: Card members can enjoy up to 15% discount on over 985,000 hotels as well as vacation rentals worldwide through Agoda.com.
• Avis Car Rental: Cardholders can avail up to 35% off on standard rates with Avis Car Rental and also up to 30% discount on international leisure rates.
• Airport Transfer with Careem: Card members can enjoy a 50% discount on 4 airport transfers with Careem (up to AED 50). To enjoy this offer, they need to use the promo code –UAEVI50.
• Travel Accident Insurance: With this FAB credit card, one can avail of travel accident insurance of up to US $ 1 Million on a complimentary basis.
• Extended Warranty & Purchase Protection: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and an extended warranty of one year beyond the retail or manufacturer warranty.
• Fraudulent Transaction Protection: Card members can take benefit from automatic protection against unauthorized transactions or fraudulent use of their card.
• Free International Travel & Medical Assistance: With this insurance, card members as well as their families are covered on all trips for up to 90 days. Following are the benefits that the cardholder can enjoy:
  • Emergency Medical Expenses Coverage of up to USD 1 million.
  • Trip Cancellation/Curtailment coverage for up to USD 7500.
  • Delayed Departure Coverage of up to USD 1,000

FAB Manchester City Titanium Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 5,000
• This FAB Credit Card Offers No Annual Fees, Movie Discount, Special Discounts & more.

Features & Benefits of FAB Manchester City Titanium Credit Card

• First Rewards Points: Members of this FAB bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “First Reward Point” on every AED spent. The accumulated first reward points can be redeemed for du bills (broadband, TV, mobile, call select-landline), Etisalat( Dial up, Landline, Wasel, AI Shamil, GSM or E-vision), AADC, ADDC, SEWA, DEWA, Orbit, Showtime, and RTA. Following is the number of First Rewards Point that the card member can earn in different categories:
  • 2 First Reward Points can be earned on every AED spent internationally.
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
• First Cashback: Cardholders can earn up to 3% First Cash back on local spends and up to 5% First cash back on international spends.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Manchester City Titanium Credit Card.
• Chauffeur Rides with Careem: New Careem customers can get their first ride free upon travelling throughout countries in Middle East with this FAB Bank credit card. In addition to this, Card members can avail a discount of 20% on 3 Careem rides every month.
• Mastercard BOGO Offers: Card members can enjoy hundreds of free offers across Middle East & Africa on premium spas, fine dining, or several activities.
• Airport Lounge Access: The cardholder can enjoy a free access to more than 10 VIP airport lounges in UAE, Jordan, KSA, Egypt, and Kuwait.
• Avis Car Rental: Cardholders can avail 15% discount on their next car rental across the Middle East, Europe, Asia, and Africa and 12% discount their next car rental across the Canada and United States. Also, they can enjoy free upgrade with every car rental globally.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Manchester City Titanium Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Benefits: Being a member of the FAB Manchester City Titanium Credit Card, one can avail the following exciting benefits:
  • The cardholder can win all-expenses paid trip to the United Kingdom for 2 individuals to cheer on the Boys in Blue live at the Etihad Stadium. There are 5 winners each year who can enjoy this privilege.
  • The cardholder can win all-expenses paid trip for 2 individuals to meet Manchester City Players personally, watch them in action, visit the training ground, and also tour to the Etihad Stadium. There are 5 winners in every 6 months who can enjoy this privilege.
  • One can avail the best football coaching for girls & boys from leading Manchester City coaches at the Manchester City Football School in Abu Dhabi. There are 5 winners in every quarter who can enjoy this privilege.
  • Cardholders can also avail shopping benefits at their favorite malls with discounted vouchers that are worth up to AED 1500. There are 20 winners each month who can enjoy this privilege.

Other Credit Cards

First Abu Dhabi Bank also offers some other credit cards that are loaded with unmatched benefits and privileges and they are as follows:

FAB Elite Infinite Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 50,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts & more.

Features & Benefits of FAB Elite Infinite Credit Card

• Rewards Point: Members of this First Abu Dhabi Bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “Stars” on every AED spent. The accumulated stars can be redeemed for Skyward Miles from Emirates, Etihad Guest Miles, or to book travel tickets on any airline via Stars Travel portal. Following is the number of reward Points that the card member can earn in different categories:
  • 2 Stars can be earned on every AED spent internationally.
  • 25 Stars can be earned on every AED spent locally.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Elite Infinite Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Offers: Card members can enjoy a wide range of lucrative offers & discounts at some of premium retailers, lifestyle venues, restaurants across the UAE.
• Valet Parking: Cardholders can avail 4 valet parking services monthly at some specific locations.
• Cinema Offers from Just AED 15: Card members can avail 8 discounted movie tickets monthly from just AED 15 during weekdays and AED 20 on weekends with Oscar Cinema, REEL Cinemas, and Cine Royal & at AED 20 on weekends at VOX Cinemas.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Visa Offers: Being a member of this First Abu Dhabi Bank Credit Card, one can enjoy more than hundreds of amazing Visa offers.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Elite Infinite Credit Card.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Airport Transfers: The card member can avail 8 airport transfers annually.
• Meet & Greet Service: Being a member of FAB Elite Infinite Credit Card, one can enjoy 8 Meet & Greet Services annually.
• Airport Lounge Access: The cardholder can enjoy access to over 1000 airport lounges globally along with one accompanying guest.
• Airport Transfer with Careem: The cardholder can avail 4 complimentary airport transfers with Careem (Up to AED 100). To enjoy this offer, use the promo code- UAEVI.
• Travel Accident Insurance: The card member can enjoy free travel accident insurance of up to US $ 1 million.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.
• Fraudulent Transaction Protection: Card members can take benefit from automatic protection against unauthorized transactions or fraudulent use of their card.
• Free International Travel & Medical Assistance: With this insurance, card members as well as their family are covered on all trips for up to 90 days. Following are the benefits that the cardholder can enjoy:
  • Emergency Medical Expenses Coverage of up to USD 1 million.
  • Trip Cancellation/Curtailment coverage for up to USD 7500.
  • Delayed Departure Coverage of up to USD 1,000
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.

FAB Infinite Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 30,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts & more.

Features & Benefits of FAB Infinite Credit Card

• Rewards Point: Members of this First Abu Dhabi Bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “Stars” on every AED spent. The accumulated stars can be redeemed for Skyward Miles from Emirates, Etihad Guest Miles, or to book travel tickets on any airline via Stars Travel portal. Following is the number of reward Points that the card member can earn in different categories:
  • 2 Stars can be earned on every AED spent internationally.
  • 25 Stars can be earned on every AED spent locally.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Infinite Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Offers: Card members can enjoy a wide range of lucrative offers & discounts at some of premium retailers, lifestyle venues, restaurants across the UAE.
• Visa Offers: Being a member of this First Abu Dhabi Bank Credit Card, one can enjoy more than hundreds of amazing Visa offers.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Infinite Credit Card.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Cinema Offers from Just AED 15: Card members can avail 8 discounted movie tickets monthly from just AED 15 during weekdays and AED 20 on weekends with Oscar Cinema, REEL Cinemas, and Cine Royal& at AED 20 on weekends at VOX Cinemas.
• Valet Parking: Cardholders can avail 3 valet parking services monthly at some specific locations.
• Airport Transfers: The card member can avail 6 airport transfers annually from AED 40 only (within the city service) or AED 100 (inter-city service).
• Meet & Greet Service: Being a member of FAB Infinite Credit Card, one can avail six Meet & Greet Services annually from just AED 40 (single person booking) or AED 100 (family booking).
• Airport Lounge Access: The cardholder can enjoy access to over 1000 airport lounges globally along with one accompanying guest.
• Airport Transfer with Careem: This FAB bank credit card offers 50% discount on 4 airport transfers with Careem (Up to AED 50). To enjoy this offer, use the promo code- UAEVI50.
• Travel Accident Insurance: The card member can enjoy free travel accident insurance of up to US $ 1 million.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.
• Fraudulent Transaction Protection: Card members can take benefit from automatic protection against unauthorized transactions or fraudulent use of their card.
• Free International Travel & Medical Assistance: With this insurance, card members as well as their family are covered on all trips for up to 90 days. Following are the benefits that the cardholder can enjoy:
  • Emergency Medical Expenses Coverage of up to USD 1 million.
  • Trip Cancellation/Curtailment coverage for up to USD 7500.
  • Delayed Departure Coverage of up to USD 1,000
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.

FAB Signature Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 15,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts, Valet Parking & more.

Features & Benefits of FAB Signature Credit Card

• Rewards Point: Members of this First Abu Dhabi Bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “Stars” on every AED spent. The accumulated stars can be redeemed for Skyward Miles from Emirates, Etihad Guest Miles, or to book travel tickets on any airline via Stars Travel portal. Following is the number of reward Points that the card member can earn in different categories:
  • 75 Stars can be earned on every AED spent internationally.
  • 1 Star can be earned on every AED spent locally.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Signature Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Offers: Card members can enjoy a wide range of lucrative offers & discounts at some of premium retailers, lifestyle venues, restaurants across the UAE.
• Valet Parking: Cardholders can avail up to 2 valet parking services monthly at some specific locations.
• Cinema Offers from Just AED 15: Card members can avail up to 4 discounted movie tickets in one month from just AED 15 during weekdays with Oscar Cinema, REEL Cinemas, and Cine Royal & at AED 20 on weekends with VOX Cinemas.
• Golf Offers with Visa Golf: With Visa Golf, card members can enjoy exclusive discounted offers at some of the top golf courses.
• Visa Offers: Being a member of this First Abu Dhabi Bank Credit Card, one can enjoy more than hundreds of amazing Visa offers.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Signature Credit Card.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Airport Transfers: The card member can avail 2 airport transfers annually.
• Airport Lounge Access: The cardholder can enjoy access to over 1000 airport lounges globally along with one accompanying guest.
• Travel Accident Insurance: The card member can enjoy free travel accident insurance of up to US $ 500,000.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.
• Fraudulent Transaction Protection: Card members can take benefit from automatic protection against unauthorized transactions or fraudulent use of their card.
• Free International Travel & Medical Assistance: With this insurance, card members as well as their family are covered on all trips for up to 90 days. Following are the benefits that the cardholder can enjoy:
  • Emergency Medical Expenses Coverage of up to USD 150,000.
  • Trip Cancellation/Curtailment coverage for up to USD 5000.
  • Delayed Departure Coverage of US $ 42/per hour (up to US$ 1,000).
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.

FAB Platinum Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 8,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts & more.

Features & Benefits of FAB Platinum Credit Card

• Rewards:
• Stars: Members of this First Abu Dhabi Bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “Stars” on every AED spent. Following is the number of reward Points that the card member can earn in different categories:
  • 75 Stars can be earned on every AED spent internationally.
  • 1 Star can be earned on every AED spent locally.
• First Reward Points: Card members can also earn a maximum of 2 First Reward Points per dirham spent on purchases.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Platinum Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Offers: Card members can enjoy a wide range of lucrative offers & discounts at some of premium retailers, lifestyle venues, restaurants across the UAE.
• Cinema Offers from Just AED 15: Card members can avail up to 4 discounted movie tickets in one month from just AED 15 during weekdays and AED 20 on weekends with Oscar Cinema, REEL Cinemas, and Cine Royal.
• BOGO Offer VOX Cinema Tickets: The cardholder can get one movie ticket free on buying a movie ticket to any Sunday showing at VOX Cinema, UAE.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Platinum Credit Card.
• Visa Offers: Being a member of this First Abu Dhabi Bank Credit Card, one can enjoy more than hundreds of amazing Visa offers.
• Airport Transfers: The card member can avail 2 airport transfers annually.
• Airport Lounge Access: The cardholder can enjoy access to over 25 airport lounges globally with no prior booking.
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.
• International Travel & Medical Assistance: The cardholder can enjoy international medical and travel assistance on a complimentary basis.
• Purchase Protection & Extended Warranty: With this First Abu Dhabi Bank Credit Card, one can enjoy purchase protection and extended warranty of one year beyond the retail or manufacturer warranty.

FAB Classic Credit Card

• Annual Membership Fee: AED 0
• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 5,000
• This FAB Credit Card Offers No Annual Fees, Special Discounts & more.

Features & Benefits of FAB Classic Credit Card

• Stars: Members of this First Abu Dhabi Bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “Stars” on every AED spent. Following is the number of reward Points that the card member can earn in different categories:
  • 25 Stars can be earned on every AED spent internationally.
  • 5 Star can be earned on every AED spent locally.
• First Reward Points: Card members can also earn up to 2 First Reward Points per dirham spent on purchases.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Classic Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Offers: Card members can enjoy a wide range of lucrative offers & discounts at some of premium retailers, lifestyle venues, restaurants across the UAE.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Classic Credit Card.
• No Interest Period: The cardholder can enjoy up to 25 days of interest-free period.
• High Credit Limit: This card comes with higher credit limit so that card members can meet all of their lifestyle needs.
• Worldwide Acceptance: This card is accepted globally plus the card members receive a text every time their card is being utilized. This helps them to control on their spending.
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.
• International Travel & Medical Assistance: The cardholder can enjoy international medical and travel assistance on a complimentary basis. 

FAB Standard Credit Card

• Annual Membership Fee: AED 0
• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 5,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts, Airport Meet & Greet & more.

Features & Benefits of FAB Standard Credit Card

• First Rewards: It is a unique loyalty programme that is especially designed for FAB Bank credit card Cardholders can earn “First Reward Point” on every AED spent. Following is the number of First Rewards Point that the card member can earn in different categories:
  • 2 First Reward Points can be earned on every AED spent internationally.
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
• First Cashback: It is one of a kind cash back loyalty program across the UAE that offers assured cash back earnings up to 5% with no minimum spending criteria. The best thing is that cash back has no certain expiry date. The accumulated cash back amount will be credited to FAB Standard Credit Card instantly upon special request. Moreover, the card holder can earn:
  • Up to 3% First Cash back on local spends.
  • Up to 5% First cash back on international spends.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB Standard Credit Card.
• No Interest Period: The cardholder can enjoy up to 25 days of interest-free period.
• High Credit Limit: This card comes with higher credit limit so that card members can meet all of their lifestyle needs.
• Credit Shield: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.
• Standing Instructions: With this amazing facility, card members can easily make up to twenty payments which includes schools and university fees, utility bill payments, insurance premiums like E-vision, Etisalat, and a lot more, every time. The best thing is that the card member will not need to remember payment date.
• Wallet Shield: A lost or stolen wallet is not only a monetary loss but also one has to face a lot of inconvenience. To prevent its customers from facing such problem, this card comes with Wallet Shield. It covers fraudulent or unauthorized transactions on lost or stolen credit cards, stolen or robbed cash and for theft of identification keys or papers.

FAB World Elite Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 50,000
• This FAB Credit Card Offers No Annual Fees, Special Discounts,  & more.

Features & Benefits of FAB World Elite Credit Card

• Valet Parking: Cardholders can avail 4 valet parking services monthly at some specific locations.
• Cinema Offers from Just AED 15: Card members can avail 8 discounted movie tickets monthly from just AED 15 during weekdays and AED 20 on weekends with Oscar Cinema, REEL Cinemas, and Cine Royal & at AED 20 on weekends at VOX Cinemas.
• Concierge Service: Card members can enjoy round the clock concierge service that helps in a broad range of travel-related task.
• Chauffeur Ride with Careem: Cardholders can book a ride with Careem, choose the type of a car, and book either on the spot or schedule for a later pickup as per their comfort.
• MYUS Shipping Discount: The card member can enjoy affordable, reliable, and international shipping with MyUS by shopping at more than 10,000 US retailers which includes, Amazon, Apple, & Ralph Lauren using this card.
• European Shopping Village Offers: The card members can enjoy up to 60% off and sometimes even more on top brands.
• BOGO Offers: By downloading the Mastercard Buy one get one app and registering this FAB bank credit card, card members can enjoy more than 900 offers at over 90 destinations and more than 600 merchants.
• Shop Smart Offer: The cardholder can enjoy up to 10% cash back throughout the year at top global online stores using FAB World Elite Credit Card.
• Mastercard Offers: Being a member of this First Abu Dhabi Bank Credit Card, one can enjoy more than hundreds of amazing Mastercard offers.
• Airport Transfers: The card member can avail 8 airport transfers annually on a complimentary basis.
• Meet & Greet Service: Being a member of FAB World Elite Credit Card, one can enjoy 8 Meet & Greet Services annually.
• Airport Lounge Access: The cardholder can enjoy access to over 850 airport lounges globally along with one accompanying guest.
• Luxury Serviced Apartment Discounted Offers: With this card, one can avail a 10% off, free daily house cleaning on stays over 7 nights at 2000 onefinestay properties across Paris, London, New York, San Francisco, Los Angeles, Milan, Florence, Rome, and Sydney.
• Free Nights at Marriott Bonvoy Hotels: Card members can enjoy free nights at more than 200 participating Marriott Bonvoy Hotels in all over Middle East & Africa.
• Discovery Black-Level Membership from Global Hotel Alliance: The cardholder will be upgraded to Discovery Black-Level Membership instantly. It is a loyalty programme of Global Hotel Alliance that entitles the cardholder to revel in the great comfort of DISCOVERY at over 550 hotels.
• Hertz Gold Plus Rewards President’s Circle Membership: Card members are automatically eligible for Hertz Gold Plus Rewards President’s Circle.
• Mastercard Airport Concierge: This facility offers its card members access to a personalized meet and greet service at airport. Moreover, cardholders can enjoy a special discount of 15% on this service at more than 470 airports and make their airport experience better like never before.
• Cleartrip Discounted Offer: Card members can avail a 10% off on any international roundtrip flight tickets when booked through Cleartrip using this First Abu Dhabi Bank Credit Card.
• Avis Offers: Being a member of this credit card, one can enjoy lucrative offers with AVIS.
• Travel Accident Insurance: The card member will receive compensation for medical treatment or emergency help if in case they need while travelling for up to US$ 500,000.
• Rental Collision & Loss Damage Waiver: With the Rental Collision & Loss Damage Waiver, card members have insurance on rental vehicles for a maximum of US$ 50,000.
• Travel Inconvenience Insurance: FAB World Elite Credit Card compensate for up to US$ 7500 whether card member’s luggage goes amiss or flight delays during their travel.
• Travel Insurance Confirmation Letter: As a member of this FAB Bank credit card, one can generate a travel insurance confirmation letter online immediately for their Schengen or any other VISA requirements.

FAB Abu Dhabi Platinum Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: 15,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts & more.

Features & Benefits of FAB Abu Dhabi Platinum Credit Card

• First Reward Points: Members of this FAB bank credit card can earn reward points in the form of “First Reward Point” on every AED spent. The accumulated first reward points can be redeemed for online transactions and utility bill payments. Following is the number of First Reward Point that the card member can earn in different categories:
  • 2 First Reward Points can be earned on every AED spent internationally.
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
• Or First Cashback: Cardholders can earn up to 3% First Cash back on local spends and up to 5% First cash back on international spends.
• Or First Miles: Card members can earn up to 2 First Miles on every USD spent internationally and they can earn up to 1 First Mile on every USD spent locally. Moreover, the accumulated First Miles can be redeemed against any airline, travel service or destination.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Abu Dhabi Platinum Credit Card and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Benefits: The card member can win a wide range of top class experiences upon meeting the spending criteria:
• Win a Porsche Cayman: Each cumulative purchase of AED 40,000 in 1 year enables the cardholder to win a Posrche Cayman. There is only a 1 winner each year.
• Semi-Annual Prize: The card member can win a holiday for two persons to New York, Maldives, Sydney, Seychelles, or London upon travelling from Abu Dhabi. The trip will be inclusive of flight tickets, three days hotel stay for 2 people at 5* property, airport pick-up & drop-off. Card members can enter in a draw if they spend AED 20,000 in six months. There are 5 winners semi-annually.
• Quarterly Prize: With this card, one can win a 2 nights stay at one of the Abu Dhabi’s most luxurious resorts. Card members can enter in a draw if they spend AED 10,000 in three months. However, there are 10 winners quarterly.
• Monthly Prize: The cardholder can get a chance to win mall vouchers a maximum of AED 1,000 upon spending AED 1500/each month to enter in a draw. There are 60 winners each month.
• Airport Transfer: Cardholders can enjoy a maximum of 2 airport transfers annually.
• AVIS Car Rental Discounted Offer: This FAB Bank credit card offers the following exclusive benefits with AVIS:
  • 15% discount on next car rental across the Middle East, Africa, Europe, & Asia.
  • 12% discount on next car rental in Canada & United States.
  • A free upgrade with every car rental globally.
• Complimentary Airport Lounge Access: The cardholder can avail 4 free access to over 1000 airport lounges in more than 300 cities. In addition to this, card members can enjoy unlimited and free access to more than 25 regional as well as international airport lounges across the Jordan, Kuwait, UAE, Saudi Arabia, Egypt, USA, Morocco, UK, Canada, France, Singapore, Germany, and more.
• Valet Parking Facility: The cardholder can enjoy a maximum of 2 valet parking services in 1 month at some of the specific locations.
• Cinema Offers from Just AED 15: Card members can avail 4 discounted movie tickets monthly from just AED 15 during weekdays and AED 20 on weekends with Oscar Cinema, REEL Cinemas, and Cine Royal & at AED 20 on weekends at VOX Cinemas.
• Mastercard BOGO Offers: This FAB Bank credit card offers hundreds of free lucrative offers across the Middle East & Africa on fine dining, activities or premium spas like:
  • Free main menu item when one main menu is bought.
  • More than 600 offers available throughout multiple countries.
  • Unlimited usage/redemption on all offers.
• Purchase Protection: The cardholder can avail worldwide purchase protection with FAB Abu Dhabi Platinum Credit Card.
• Emergency Assistance: During any emergency, card members can access cash by taking the help of 24x7 emergency cash advance service that is available at multiple locations globally.

FAB Abu Dhabi Titanium Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 5,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts, & more.

Features & Benefits of FAB Abu Dhabi Titanium Credit Card

• First Reward Points: Members of this FAB bank credit card can earn reward points in the form of “First Reward Point” on every AED spent. The accumulated first reward points can be redeemed for online transactions and utility bill payments. Following is the number of First Reward Point that the card member can earn in different categories:
  • 2 First Reward Points can be earned on every AED spent internationally.
  • 1 First Reward Point can be earned on every AED spent locally.
  • 2 First Reward Points can be earned on every AED spent at department stores or supermarket.
• Or First Cashback: Cardholders can earn up to 3% First Cash back on local spends and up to 5% First cash back on international spending.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB Abu Dhabi Titanium Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• Exclusive Benefits: The card member can win a wide range of top class experiences upon meeting the spending criteria:
• Win a mesmerizing Audi Q5: Each cumulative purchase of AED 40,000 in 1 year enables the cardholder to win an Audi Q5. There is only 1 winner each year.
• Semi-Annual Prize: The card member can win a trip for two individuals to Maldives, New York, Seychelles, Sydney, or London upon traveling from Abu Dhabi. The trip will be inclusive of flight tickets, three days hotel stay for 2 people at 5* property, airport pick-up & drop-off. Card members can enter in a draw if they spend AED 20,000 in six months. There are 2 winners semi-annually.
• Quarterly Prize: With this card, one can win a 2 nights stay at one of Abu Dhabi’s most luxurious resorts. Card members can enter in a draw if they spend AED 10,000 in three months. However, there are 5 winners quarterly.
• Monthly Prize: The cardholder can get a chance to win mall vouchers a maximum of AED 1,000 upon spending AED 1500/each month to enter in a draw. There are 10 winners each month.
• AVIS Car Rental Discounted Offer: This FAB Bank credit card offers the following exclusive benefits with AVIS:
  • 15% discount on next car rental across the Middle East, Africa, Europe, & Asia.
  • 12% discount on next car rental in Canada & United States.
  • A free upgrade with every car rental globally.
• Complimentary Airport Lounge Access: The cardholder can avail free access to 10+ VIP airport lounges in KSA, Kuwait, UAE, Egypt, and Jordan
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using FAB Abu Dhabi Titanium Credit Card.
• Careem Ride: Card members can enjoy 20% discount on three Careem rides every month when they travel in countries across the Middle East. Also, new Careem customers can enjoy their first ride for free.
• Mastercard BOGO Offers: This FAB Bank credit card offers hundreds of free lucrative offers across the Middle East & Africa on fine dining, activities or premium spas like:
  • Free main menu item when one main menu is bought.
  • More than 600 offers available throughout multiple countries.
  • Unlimited usage/redemption on all offers.

FAB GEMS Titanium Credit Card

• Retail Interest Per Month: 3.50%
• Minimum Monthly Income Required: AED 5,000
• This FAB Credit Card Offers No Annual Fees, Airport Lounge Access, Special Discounts, & more.

Features & Benefits of FAB GEMS Titanium Credit Card

• Rewards Point: Members of this First Abu Dhabi Bank credit card are automatically enrolled into the reward program where they can earn reward points in the form of “Stars” on every AED spent. The accumulated stars can be redeemed for Skyward Miles from Emirates, Etihad Guest Miles, or to book travel tickets on any airline via Stars Travel portal. Following is the number of reward Points that the card member can earn in different categories:
  • 75 Stars can be earned on every AED spent internationally.
  • 1 Star can be earned on every AED spent locally.
• Balance Transfer: New card members can transfer their high-interest outstanding debt from non-FAB credit card to FAB GEMS Titanium Credit Card, and get a promotional interest rate of 0% and 0% processing fee for up to 12 months.
• GEMS School Fee Discounted Offer: A maximum of 4.25% off on GEMS School tuition fee. Please note that 4.25% discount is applicable if the full year tuition fees are paid in advance using this FAB Bank credit card. Also, the card members can convert the GEMS school fees into 0% interest Easy Payment Plan (EPP) for up to tenure of 12 months.
• Exclusive Offers: Card members can enjoy a wide range of lucrative offers & discounts at some of premium retailers, lifestyle venues, restaurants across the UAE.
• Cinema Offers from Just AED 15: Card members can avail 2 discounted movie tickets monthly from just AED 15 during weekdays and AED 20 on weekends with Oscar Cinema, REEL Cinemas, and Cine Royal.
• Shop Smart Offer: The cardholder can enjoy up to 10% cashback throughout the year at top global online stores using FAB GEMS Titanium Credit Card.
• Airport Lounge Access: The card member can enjoy access to over 10 airport lounges throughout the Middle East. No prior booking is required.
• Credit Shield Plus: This feature helps card members to pay off their outstanding amount in an event of unforeseen circumstances where they can’t make payments.
• Education Insurance: This FAB Bank Credit Card offers education protection cover of a maximum of AED 500,000/per child.

FAB Credit Card Offers in UAE

FAB Elite Infinite Travel Card

Offers

• Get a guaranteed AED 2000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
• 0% International Transaction Fee from bank.
• Local & International Airport transfers - Get up to eight free airport transfers a year within the UAE no matter which airport you are using.
• Redeem across 800+ airlines, 500,000+ hotels and car rental and One complimentary night for every three paid nights when booked through the FAB Travel Portal.
• Flexibility to choose and plan your Travel using FAB travel Portal
• Unlimited access to over 1,000+ Airport Lounges globally for the cardholder and two guests.

FAB Infinite Travel Credit Card

Offers 

• Get a guaranteed AED 1500 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
• Local & International Airport transfers - Get up to eight free airport transfers a year within the UAE no matter which airport you are using.
• Redeem across 800+ airlines, 500,000+ hotels and car rental and One complimentary night for every three paid nights when booked through the FAB Travel Portal.
• Unlimited access to over 1,000+ Airport Lounges globally for the cardholder and one guest.
• Flexibility to choose and plan your Travel using FAB travel Portal

FAB Signature Travel Credit Card

Offers

• Get a guaranteed AED 1000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
• Local & International Airport transfers - Get up to eight free airport transfers a year within the UAE no matter which airport you are using.
• Redeem across 800+ airlines, 500,000+ hotels and car rental and One complimentary night for every three paid nights when booked through the FAB Travel Portal.
• Unlimited free access across over 1000+ airport lounges globally for the cardholder.
• Flexibility to choose and plan your Travel using FAB travel Portal

FAB Cashback Credit Card

Offers

• AED 300 Welcome Bonus Cashback
• 5% Cashback on Supermarket, Fuel And Utilities spending
• 1% Cashback on all other Retail spending (including online shopping)
• 2% Cashback on International spending

Key Features & Benefits of FAB Credit Cards

Following are some of the common FAB credit card benefits and features that help card members to make the most of their each spending:

• Complimentary Airport Lounge Access - Many of the FAB credit cards enable its card members to spend their waiting time at some of the premium airport lounges at thousands of locations on a complimentary basis. In addition to this, few high-end FAB credit cards also offer free airport lounge access for the primary cardholder as well as one accompanying guest.This is the first most important fab credit card benefit.
• Cinema Offers - Almost each FAB Bank credit card provides a great offer for all movie lovers. The cardholder can avail discounted movie tickets/per month during weekdays as well as weekends with REEL Cinemas, Oscar Cinema, and Cine Royal. Also, some of the FAB credit cards offer a great discount on movie tickets when purchased through VOX Cinemas during weekends.
• Shop Smart Offers - Majority of the FAB credit card rewards its card members with guaranteed cash back. They can avail up to 10% cash back throughout the year at top-class global online stores using the First Abu Dhabi Bank Credit Card.
• No Annual Membership Fees - Many of the FAB credit cards are free for life as they do not charge an annual membership fee ever. However, such fee-free credit cards are loaded with exclusive benefits and features that entitle its card member to meet their different lifestyle needs.
• Rewards - FAB credit cards are well-known for offering exciting rewards and offers. From First Reward points and First cash back to First Miles, they offer an array of rewards to help its customers to make the most of their each spending.
• Credit Shield - Most of the FAB credit cards offer an insurance that is known as Credit Shield. It is waiver of outstanding amount on a FAB bank credit card up to stipulated limit, in an unfortunate event like natural death, critical illness, permanent total disablement, involuntary loss of employment, accidental death. That means, it ensures the complete peace of mind by waiving off the credit card outstanding amount during such difficult times.
• Protection Benefits - Some of the credit cards offered by FAB are loaded with amazing protection benefits like purchase protection, extended warranty, travel accident insurance, International medical and travel assistance, fraudulent transaction protection etc. All of these protection benefits prevent card members from facing any sort of inconvenience.
• Travel Benefits - Keeping the need of wanderers in mind, the FAB offers some of the best credit cards which are loaded with a broad range of travel perks and privileges. From a free stay in luxurious hotels and resorts to discounted car rental and free travel insurance, FAB credit cards have all when it comes to next-level travel offers.

Eligibility Criteria of FAB Credit Card

If the applicant meets the FAB credit card eligibility requirements, applying for a First Abu Dhabi Bank Credit Card is not at all a difficult task. Given below are some of the key factors that determine whether the applicant is eligible for a FAB credit card or not:

1. Applicant’s Age: In order to be eligible for the FAB bank credit card, the applicant should be between the age group of 21 to 65 years.
2. Monthly Income: Each of the FAB credit cards comes with a minimum monthly income requirement. That simply means that applicant must have a steady source of income. Hence, they need to provide the proof of permanent monthly income in order to be eligible for FAB credit card.
3. Address Proof: An applicant is also required to provide a valid residence address proof to eligible for the FAB credit card.
4. Employment Proof: When applying for a FAB credit card, salaried individuals may need to provide their salary certificate of last three or six months. However, the self-employed individuals need to provide their trade license to complete the credit card application.
5. Credit Score: No matter how decent monthly income you earn, poor credit history may still result in the rejection of credit card application. That is why it is important to maintain a good credit score to increase the chances of approving your credit card application. Good credit history is also helpful for taking a loan on credit card from FAB.

How to Apply for an FAB Credit Card?

Applying for a First Abu Dhabi Bank Credit Card is as easy as 1-2-3. Interest individuals can apply for the FAB credit card online, offline, or through phone banking.

1. Online Application: Now these days, almost all of the leading banks in the UAE have started offering an online application process to make it easy and convenient for its customers. Moreover, you can visit the office website of the First Abu Dhabi Bank, click on the credit card section, and zero down the FAB credit card that suits your financial requirements the most. After that, click on the apply button, fill in all the required details and submit the credit card application. Once all the required details are filled in the credit card application form, bank officials will verify the creditability of the given information. On the basis of eligibility criteria, they will further decide whether an individual will receive the card or not.

1. Offline: All those people who are not comfortable applying for the FAB credit card online, they can also apply for it offline. All they need to visit the nearby FAB branch and apply for the FAB Bank credit card that suit their financial needs. The applicant will need to fill in all the basic details in the application form and also submit the required documents. If they meet all the eligibility requirements as per the guidelines of the FAB, their credit card application will proceed further.

1. Phone Banking: Alternatively, the applicant can also apply for the FAB credit card by calling on the bank’s official number.

Documents Required to apply for a FAB Credit Cards

Following is the checklist of documents that applicants need to submit for availing a credit card from First Abu Dhabi Bank:

• Emirates ID
• Passport (for expatriates)
• UAE Residence Visa (for expats)
• Salary Certificate
• Bank statements of last 3-6 month’s
• Address proof (such as utility bills)
• A trade license (for self-employed individuals)

FAB Credit Card Limit

Each FAB credit card has a different card limit. However, there are some common parameters which are taken into consideration by the bank while deciding the card limit for every credit card applicant and they are as follows:

• Type of the First Abu Dhabi Bank credit card.
• Income and other debts
• Applicant’s credit history
• Track record with FAB.

Fees & Charges of FAB Credit Cards

There are various fees & charges which are levied on each FAB credit card. It is very important to know about all of these fees and charges before making use of the card as it helps in avoiding paying extra fees. Here are some of the common fees & charges levied on FAB bank credit card:

1. Annual Fees: Vary from one FAB credit card to another.
2. Card Replacement Fees: AED 78.75
3. Over-limit Fees: Up to AED 241.50
4. Late Payment Fees: Up to AED 288.75

Other charges include cheque returned fees, foreign currency transaction fees, cash advance fees, and more. However, the complete list of FAB credit cards fees and charges can easily be found online on the FAB’s official website.

How to Cancel a FAB Credit Card?

If, in case, card members are not able to use the FAB credit card for some reason and they want to prevent unwanted charges from accumulating on the card that is not being used, they can cancel it immediately. This will eventually help them to avoid paying extra charges.

For preceding the credit card cancellation process further, the card member requires to contact the FAB customer service executive and request for cancellation of the card. He/she may ask to provide written confirmation for the same. But please note that the credit card cancellation request will only be initiated after all the outstanding balance payment is made by the primary cardholder. Once all the dues payments have been cleared, the bank will cancel the credit card. After getting the confirmation of card cancellation, the card member should destroy their FAB credit card and also all FAB supplementary/add-on credit cards for security reasons.

Why Choose FAB’s Credit Card?

The FAB credit card offers its card members amazing spending power and helps them to meet all of their financial needs like never before. Well, there are plenty of reasons to choose FAB credit card, but here are the major ones:

• Wide Range of Credit Cards: Starting from no annual fee to high rewards credit cards, First Abu Dhabi Bank has managed to offer a wide variety of credit cards to its potential customers. They can easily choose any of the cards that meet their lifestyle needs, budget, and spending pattern the most.
• Top-Class Features & Benefits: Another most obvious reason to choose FAB’s credit card over other banks credit cards is their unmatched and unparallel features and benefits. Be it travel, lifestyle, entertainment, shopping, and protection, FAB credit card has covered all the benefits and features that one could ask for.
• Partnership with All Leading Brands: Many of the FAB Credit cards have partnered with world-class brands like Oscar Cinemas, VOX Cinemas, REEL Cinemas, Cine Royal, Marriott Bonvoy Hotels, and a lot more that provide lucrative benefits and offers to cardholders.

FAQs on FAB Credit Cards