FAB Emirati Islamic
FAB Emirati Islamic is a UAE Islamic covered card with FAB Rewards rewards. Its published minimum monthly salary is AED 15,000. The listed annual fee is AED 630. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score pending4/5 score inputs available · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 2.61%; scheme charges may apply
Explore all FAB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 15,000
- Annual fee
- AED 630
- Bank FX charge
- 2.61%; scheme fees may apply
- Monthly profit rate
- up to 3.99%
- Reward programme
- FAB Rewards
- Salary transfer required
- No published requirement
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible beauty/fragrance retail | Up to 15 FAB Islamic Rewards per AED 1 | Confirm product-specific caps with the bank | Eligible MCCs and exclusions apply. |
| Eligible international spend | Up to 10 FAB Islamic Rewards per AED 1 | Confirm product-specific caps with the bank | Eligible non-UAE currencies and bank terms apply. |
| Other eligible UAE spend | 5 FAB Islamic Rewards per AED 1 | Confirm product-specific caps with the bank | Selected categories earn lower rates; see bank reward terms. |
Why this card has no annual AED forecast
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Published earning rates, known fees and bank conditions remain available in this review.
Check FAB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for FAB Emirati Islamic Credit Card
FAB Emirati Islamic Credit Card
Dirham Score pending4/5 score inputs available · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 2.61%; scheme charges may apply
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
View breakdown
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Emirati Islamic Credit Card review and fee maths
No cinema benefit verified. · Over 1,200 lounges worldwide advertised, with a guest 6 times a year; current app, transaction and eligibility conditions apply.
Monthly profit rate: up to 3.99%. Bank FX charge: 2.61%.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Annual fee AED 600 before VAT, AED 630 including VAT.
FAB Islamic Rewards are subject to their own programme terms; no fixed cash value or annual reward estimate is assumed.
Free valet parking up to 5 times monthly at selected locations; free gyms/padel and merchant discounts depend on programme booking rules and availability.
Official bank source · checked 2026-10-24Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Over 1,200 lounges worldwide advertised, with a guest 6 times a year; current app, transaction and eligibility conditions apply.
- Cinema: No current offer verified
- Valet: 5 published visits per month
- Golf: No published benefit verified
Exclusions and important product notes
- Annual fee AED 600 before VAT, AED 630 including VAT.
- FAB Islamic Rewards are subject to their own programme terms; no fixed cash value or annual reward estimate is assumed.
- Free valet parking up to 5 times monthly at selected locations; free gyms/padel and merchant discounts depend on programme booking rules and availability.
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.
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic · minimum salary AED 12,000
Compare FAB Emirati Islamic Credit Card with Emirates Islamic Cashback Plus Credit CardHSBC Live+ Credit Card
HSBC · minimum salary AED 12,500
Compare FAB Emirati Islamic Credit Card with HSBC Live+ Credit CardConsumer Cashback Platinum Card
DIB · minimum salary AED 15,000
Compare FAB Emirati Islamic Credit Card with Consumer Cashback Platinum CardFAB Emirati Islamic FAQs
What salary do you need for FAB Emirati Islamic?
The published minimum monthly salary is AED 15,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for FAB Emirati Islamic?
The listed annual fee is AED 630. Joining fees, recurring plan charges, borrowing costs and transaction fees may be separate. Check the linked official tariff and any waiver conditions.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- FAB Emirati Islamic Credit Card official product terms
- FAB: Official product page
- FAB: FAB Islamic tariff
- FAB Emirati Islamic 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.