UAE 
First Abu Dhabi Bank
First Abu Dhabi Bank P.J.S.CGET - On the app Store
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Abu Dhabi Titanium Credit Card
- Rent with Avis and get a complimentary upgrade, worldwide
- 20% off 3 rides every month with Careem
- Access to airport lounges across the Middle East
| WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance. |
Spend and WIN cash prizes
| Draw month | Qualifying spend period | Criteria(Based on retail spend) | Total winners per draw | Maximum winning amount per winner (AED) |
| Every July | January – June (6 months) | Cumulative retail spend of AED 25,000 within 6 months | 20 | 25,000 |
| Every January | January – December (previous year) | Annual retail spend of AED 50,000 and above | 20 | 50,000 |
| Annual retail spend between AED 25,000 and AED 50,000 | 100 | 1,000 |
Travel Benefits
Experience a better way to travel
Get exclusive travel benefits when you use your Abu Dhabi Titanium Credit Card for purchases
- Lounge Access
Travel should always feel like a privilege, and with access to some regional airport lounges it sure does. As a FAB Titanium cardholder you receive:
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
- Access to business facilities – email, Internet, phones, fax machines, and conference space in some lounges
- Complimentary refreshments and snacks - Avis Car Rental Discounts
Whether you are traveling with your family or on a business trip, enjoy exclusive benefits with Avis. With your FAB Titanium Credit Card, you can now enjoy access to:
- 15% off your next car rental across Europe, the Middle East, Africa and Asia
- 12% off your next car rental in the United States and Canada
- A complimentary upgrade with every rental, worldwide
Lifestyle Benefits
Bring some luxury into your lifestyle
Never miss a favorite movie, with special discounts on cinema tickets
- Discounted chauffeur rides with Careem
Now when you travel across countries in the Middle East with your FAB Titanium credit card,
- Your first ride free (for new Careem customers only)
- 20% off 3 rides every month - Mastercard Buy 1 Get 1 offers
Hundreds of complimentary offers throughout Middle East & Africa across fine dining, premium spas or activities such as:
- Complimentary main menu item when one main menu item is purchased
- 600+ offers available across multiple countries
- Unlimited redemptions / usage on all offers - Shop Smart
Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the FAB Mobile app.
FAB REWARDS
Rewarding in every way
The all-new Rewards on the FAB Mobile app
- Earn up to 2.5 FAB Rewards for every AED 1 you spend
- 25% extra FAB Rewards for your spending in Abu Dhabi
- Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday
Schedule of Fees and Charges
| Interest on Retail Purchases* | Up to 3.75% per month |
| Interest on Cash Advance* | 3.50% per month |
| Cash Advance Fee | 3.15% of the amount cash obtained with a minimum of AED 157.5 per transaction |
| International Transaction Fee | 2.49% of transaction value + scheme charges |
| Card Replacement Fee | AED 78.75 |
| Credit Shield Plus Fee | 1.04% of outstanding balance |
| Wallet Shield Fee | Charged per month at 0.42% of outstanding balance |
| Accident Insurance Fee | Charged per month at 0.26% of outstanding balance or AED 31.5 which ever is higher |
| Late Payment Fee | AED 241.50 in any month when the payment is late, or not made, or is less than the minimum amount due |
| Over Limit Fee | AED 288.75 in any month when the outstanding balance is greater than the assigned credit limit |
| Plan Deferment Charges | AED 262.50 |
| Cheque Returned Fee | AED 210 |
| Minimum Monthly Payment | 5% of outstanding or AED 100 whichever is higher |
| Payment due date from statement date | 21- 25 days |
| Statement Reprint Charges | AED 26.25 per statement |
| Copies of Transaction Slips | AED 26.25 per transaction slip |
| Outstation Cheque Processing Charge | AED 52.50 |
| Dispute Verification Charge | AED 105 |
| Issuance of Liability Letter | AED 52.50 |
Above fees and charges are inclusive of VAT, if any.
Credit card charges are rounded off to two decimal places.
*Effective 11th June 2019, Interest rate on Retail Purchases and Cash Advance balances are subject to increase by 0.5% in case the card account is past due. An account is considered past due if the minimum payment due is not received before the payment due date. Subsequently, interest charges will revert to the prevailing product interest rate at the next billing date if the Card account is no longer past due.
What you get from our credit cards
We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our FAQs page.