FAB Elite Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 3.3/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all FAB cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 40,000
- Annual fee
- AED 1,260
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- Confirm with bank
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
Earn 20 FAB Rewards per AED 1 at eligible luxury partners, 10 at eligible eco-friendly partners, and up to 5 on other spending. Selected categories earn 0.5 per AED 1. Monthly caps are 500,000 points overall and 200,000 on luxury purchases.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
FAB Elite Credit Card
Dirham Score 3.3/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
View breakdown
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Elite Credit Card review and fee maths
Earn 20 FAB Rewards per AED 1 at eligible luxury partners, 10 at eligible eco-friendly partners, and up to 5 on other spending. Selected categories earn 0.5 per AED 1. Monthly caps are 500,000 points overall and 200,000 on luxury purchases.
Enjoy Roxy buy-one-get-one-free tickets and eight tickets per month starting at AED 20 at Reel, Royal, Star and VOX cinemas, subject to AED 10,000 monthly spending. · Lounge access for the cardholder and a guest requires a qualifying USD 1 purchase.
Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
ADV+ beach and gym access requires AED 10,000 monthly spending; otherwise a charge of AED 300 applies for that month. Failing the cinema and valet spending requirement incurs AED 100 per month, excluding valet costs. The gold gift requires AED 500,000 annual spending and is separate from ordinary rewards.
Official bank source · checked 2026-10-22July 2026 VAT-inclusive fee schedule
FAB Rewards Terms and Conditions
Card Benefits Terms and Conditions
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Lounge access for the cardholder and a guest requires a qualifying USD 1 purchase.
- Cinema: Enjoy Roxy buy-one-get-one-free tickets and eight tickets per month starting at AED 20 at Reel, Royal, Star and VOX cinemas, subject to AED 10,000 monthly spending.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- ADV+ beach and gym access requires AED 10,000 monthly spending; otherwise a charge of AED 300 applies for that month. Failing the cinema and valet spending requirement incurs AED 100 per month, excluding valet costs. The gold gift requires AED 500,000 annual spending and is separate from ordinary rewards.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Premier Credit Card
HSBC · minimum salary AED 40,000
Compare FAB Elite Credit Card with Premier Credit CardSolitaire Credit Card
Mashreq · minimum salary AED 25,000
Compare FAB Elite Credit Card with Solitaire Credit CardCash+ Credit Card
HSBC · minimum salary AED 30,000
Compare FAB Elite Credit Card with Cash+ Credit CardOfficial bank sources and application information
- FAB Elite Credit Card official product terms
- FAB: Official product page
- FAB: July 2026 VAT-inclusive fee schedule
- FAB: FAB Rewards Terms and Conditions
- FAB: Card Benefits Terms and Conditions
- FAB Elite Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.