Personal Current Account
Everyday banking; separate salary campaign conditions
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-18.
FAB UAE Credit Cards and Bank Accounts
Explore 6 current card products and 2 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
FAB accounts and salary options
iSave Account
5.60% p.a. on eligible new funds until 31 December
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Conventional banking
FABFOOD & SHOPPING
FAB Cashback Credit Card
Dirham Score 3.8/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee AED 315
ESTIMATED FIRST-YEAR VALUE
AED 2,421
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,736.25
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 315
Actual modelled netAED 2,421.25
General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Cashback Credit Card review and fee maths
5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.
Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back. · Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.
Published AED 300 annual fee is modelled as AED 315 including 5% VAT.
AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.
Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.
Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.
Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.
Official bank source · checked 2026-10-18Cashback terms (October 2026 version 2)
Current original FAB Mastercard World artwork; transparent bank-hosted PNG downloaded unchanged on 18 October 2026. WebP copy resized without cropping or changing the depicted card. Image source
LIMITED-TIME BOOSTUp to 220,000 total Etihad Guest milesEnds 30 Nov
Conventional banking
FABETIHAD GUEST
Etihad Guest FAB Visa Infinite
Dirham Score 2.5/5100% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee AED 2,625
ESTIMATED FIRST-YEAR VALUE
AED 4,330
Partial estimate · see detailsView breakdown
Regular welcome+ AED 2,750
Promotional booster+ AED 2,750
Annual rewards+ AED 1,455
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,625
Actual modelled netAED 4,330
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
Calculation assumptionsRewards, fees & important conditions
Read the full Etihad Guest FAB Visa Infinite review and fee maths
3.5 Etihad Guest miles per AED 10 on eligible domestic retail; 6 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.
6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold use can be charged back. · Worldwide lounge access; bank conditions apply
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
VAT-inclusive annual fee is AED 2,625.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Monthly reward cap is 55,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.
Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.
Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.
October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.
Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.
Official bank source · checked 2026-10-18Etihad earning / caps / welcome FAQ
October–November acquisition campaign terms
Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 220,000 total Etihad Guest milesOctober–November acquisition campaign. The total includes the regular activation award; only additional campaign miles enter the booster calculation.
Ends 30 Nov · Apply by 2026-11-30 (UAE date, inclusive)
- New eligible FAB credit-card relationship; previous / existing Etihad card exclusions apply.
- Activate within 15 days of issuance and pay annual fee.
- Emirati first-year fee concession is not assumed for the general comparison.
- Additional spend-stage miles require AED 120,000 retail spend within 90 days.
Incremental activation campaign miles: +AED 2,750 modelled value · Activation and offer eligibility required
Incremental spend campaign miles: +AED 5,500 modelled value · Spend AED 120,000 in 90 days
Qualifying extra bonus in this forecast: AED 2,750.
Official offer termsLIMITED-TIME BOOSTUp to 140,000 total Etihad Guest milesEnds 30 Nov
Conventional banking
FABBANK-SOURCED
FAB Etihad Guest Signature Credit Card
Dirham Score 2.8/5100% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee AED 1,575
ESTIMATED FIRST-YEAR VALUE
AED 3,178
Partial estimate · see detailsView breakdown
Regular welcome+ AED 1,750
Promotional booster+ AED 1,750
Annual rewards+ AED 1,252.5
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Actual modelled netAED 3,177.5
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Etihad Guest Signature Credit Card review and fee maths
2.75 Etihad Guest miles per AED 10 on eligible domestic retail; 4.5 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.
4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold use can be charged back. · Unlimited access to over 1,000 lounges for the cardholder; programme conditions apply.
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
Regular 35,000 Etihad Guest miles on activation and fee payment. Campaign additional miles are separate.
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
VAT-inclusive annual fee is AED 1,575.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Monthly reward cap is 30,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.
Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.
Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.
October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.
Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.
Official bank source · checked 2026-10-18Etihad earning / caps / welcome FAQ
October–November acquisition campaign terms
Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 140,000 total Etihad Guest milesOctober–November acquisition campaign. The total includes the regular activation award; only additional campaign miles enter the booster calculation.
Ends 30 Nov · Apply by 2026-11-30 (UAE date, inclusive)
- New eligible FAB credit-card relationship; previous / existing Etihad card exclusions apply.
- Activate within 15 days of issuance and pay annual fee.
- Emirati first-year fee concession is not assumed for the general comparison.
- Additional spend-stage miles require AED 60,000 retail spend within 90 days.
Incremental activation campaign miles: +AED 1,750 modelled value · Activation and offer eligibility required
Incremental spend campaign miles: +AED 3,500 modelled value · Spend AED 60,000 in 90 days
Qualifying extra bonus in this forecast: AED 1,750.
Official offer terms
Conventional banking
FABBANK-SOURCED
Blue FAB Signature Credit Card by Al-Futtaim
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 588
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 588
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 588
Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.
Calculation assumptionsRewards, fees & important conditions
Read the full Blue FAB Signature Credit Card by Al-Futtaim review and fee maths
6% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 3% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.
4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder; network qualifying rules apply.
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.
Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.
No annual membership fee; minimum salary 15,000 AED.
Monthly cashback-equivalent cap is AED 3,000.
Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.
Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Official bank source · checked 2026-10-18Al-Futtaim FAB Rewards terms (February 2025 v4)
Cinema monthly spend and ticket eligibility
Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Signature tier. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source
LIMITED-TIME BOOSTAED 5,000 Al-Futtaim rewards — UAE nationals onlyEnds 23 Nov
Conventional banking
FABBANK-SOURCED
Blue FAB Infinite Credit Card by Al-Futtaim
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 588
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 588
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 588
Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.
Calculation assumptionsRewards, fees & important conditions
Read the full Blue FAB Infinite Credit Card by Al-Futtaim review and fee maths
8% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 4% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.
6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder and one guest; network qualifying rules apply.
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.
Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.
Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.
No annual membership fee; minimum salary 40,000 AED.
Monthly cashback-equivalent cap is AED 4,000.
Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.
Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Official bank source · checked 2026-10-18Al-Futtaim FAB Rewards terms (February 2025 v4)
Cinema monthly spend and ticket eligibility
Blue Infinite Emirati welcome campaign
Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Infinite tier. The primary image is the bank's tilted single-card composition with shadow and transparent surrounding space. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
AED 5,000 Al-Futtaim rewards — UAE nationals onlyRestricted welcome campaign: AED 12,000 eligible retail in each of three consecutive thirty-day cycles beginning on issuance, not merely AED 36,000 at any time.
Ends 23 Nov · Apply by 2026-11-23 (UAE date, inclusive)
- UAE national with a valid UAE passport.
- Apply during 24 September–23 November 2026.
- New-to-FAB/FAB Islamic or qualifying existing customer who has not previously held an AF FAB BLUE or other FAB / DF credit card.
- Spend AED 12,000 retail in EACH first 30-day cycle from card issuance (AED 36,000 across ninety days).
- Balance transfers, Quick Cash and EPP do not qualify; linked supplementary-card spend is included.
- Non-delinquent and non-blocked at credit date; award within ninety days after the ninety-day spend period.
Qualifying extra bonus in this forecast: AED 0.
UAE nationality and new-card-relationship eligibility are not known for a generic visitor. The restricted rewards are not cash.
Official offer terms
Sharia-compliant
FABBANK-SOURCED
FAB Cashback Islamic Credit Card
Dirham Score 3.7/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.61%; scheme charges may apply
Annual fee AED 315
ESTIMATED FIRST-YEAR VALUE
AED 2,861
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,176.25
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 315
Actual modelled netAED 2,861.25
Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Cashback Islamic Credit Card review and fee maths
Issuer materials conflict: marketing says no minimum spend and different headline caps; detailed table and programme terms give AED 3,000 previous-calendar-month qualifying spend, AED 150/category and AED 1,000 total for expats (AED 200/category and AED 1,500 total for UAE nationals). Programme clauses 7 and 8 also contradict each other. Conservative expat schedule is used; confirm issued terms with FAB.
Detailed expat schedule: 5% groceries, fuel and dining, capped at AED 150 each; 3% foreign retail and 1% other eligible spend. Selected MCCs earn 0.15%.
No cinema benefit verified. · Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.
Monthly profit rate: 3.99%. Bank FX charge: 2.61%.
Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.
Conservative detailed expat schedule: 5% groceries/fuel/dining, each capped AED 150/month; 3% non-AED, 1% other eligible and 0.15% selected MCCs, AED 1,000 overall cap.
Detailed programme terms require AED 3,000 in the preceding calendar month; this model therefore assumes no rewards in the first calendar month. Marketing no-minimum-spend wording and clause 8 conflict and remain unresolved.
UAE-national detailed caps differ: AED 200 for each accelerated category and AED 1,500 overall.
Annual membership fee AED 300 excluding VAT = AED 315; retail profit rate up to 3.99% monthly.
The separate Islamic fee schedule states 2.61% international fee + 1.15% scheme charges and says fees inclusive of VAT unless otherwise specified; do not apply the conventional FAB extra-VAT fee assumption to this record.
Commodity Murabahah structure. Non-Shariah-compliant merchant types are blocked. Zero-profit instalment conversions and financial/fee transactions do not earn cashback.
Official bank source · checked 2026-10-18Islamic fees (October 2025, currently linked)
Cashback Islamic programme terms
The official page browser title says Islamic Cashback Credit Card, while its visible H1 names the product FAB Cashback Islamic Credit Card. Use the H1 name. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers