UAE 
GEMS Titanium Credit Card
- Up to 4.25% fixed discount on advanced payment of GEMS fees
- 0% Easy Payment Plan for up to 12 months for GEMS fees
- Education Protection cover of up to AED 500,000 per child
Limited Offer
GEMS Acquisition Campaign Winners List
Click here to view the Terms and Conditions of the offer.
Click here to view the winner's list.
School Fee Discounts
Help your children achieve their potential
You want the best for your children. So we’ve partnered with GEMS Schools to bring you discounts on fees, plus exclusive deals for the whole family
- Save up to 4.25% fixed rate discount on GEMS school fees, when using your GEMS Credit Card to pay the fees in advance
For examples of tuition fee discount offers view the below:
- Indian Schools Fee Discount Structure 2019-2020
- British Schools Fee Discount Structure 2019-2020
- American/IB Schools Fee Discount Structure 2019-2020For Clarifications on tuition fee discount offered, please contact the GEMS School Cashier
Lifestlye Benefits
Bring some luxury into your life
Take more time for you and your family with our lifestyle partnership offers
- Movie tickets from just AED 15
A great offering for all movie buffs! FAB GEMS Titanium Credit Cardholders can enjoy 2 movie tickets per month from AED 15 during weekdays and AED 20 during weekends at Reel Cinemas, Cine Royal and Oscar Cinema.
- Get unlimited Money Transfers using your GEMS Titanium credit card
With the FAB Money Transfer facility, you can now transfer your money to India, Pakistan, Bangladesh, Sri Lanka, Egypt, Philippines without any transfer fee or processing fee. For details, call 600 52 5500. Learn more.
- Shop Smart
Get up to 10% Cashback all year round at leading global online stores using your FAB GEMS Titanium credit card. Visit shopsmart.ae to register and save every time you buy from your favorite online brands using Shop Smart.
Travel Benefits
Enjoy a better way to travel
Now you and your family can travel in style
- Airport Lounge Access*
Sit back and relax with access to 10+ airport lounge access across the Middle East, with no prior booking.
*Service offered and supported by MasterCard. Terms and Conditions of the offer(s) may change without prior notice. Learn more about a host of other benefits and latest updates at MasterCard Titanium.
Rewards and Offers
Sprinkle some Star-dust into your lifestyle
Earn Reward Stars on all your purchases
- Earn 1.75 Stars for every AED 1 spent on international purchases and 1 Star for every AED 1 spent on domestic purchases. Learn more
- Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through our Stars Travel Portal. Learn more
- Enjoy special offers at selected restaurants, premium retailers and lifestyle venues across the UAE, including Magic Planet, Ski Dubai, Dreamland Aqua Park, Chill Out, The Green Ecostore, Aquaplay, Yalla! Bowling and many others. Learn more
Protection Benefits
If the unexpected happens, we’ve got you covered
Your GEMS Titanium MasterCard comes with a range of additional protection features
- Education Insurance
Education protection coverage of up to AED 500,000 per child. Learn more.
- Credit Shield
Get peace of mind that if something happens so you can’t meet your credit card payments, your outstanding balance is paid off. Learn more.
FAB Credit Cards
Schedule of Fees and Charges
|
Interest on Retail Purchases* |
Up to 3.50% 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 105 per transaction |
|
International Transaction Fee |
2.05% 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 2 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.
