For Clarifications on tuition fee discount offered, please contact the GEMS School Cashier
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.
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.
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. Learn more
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. Learn more
If the unexpected happens, we’ve got you covered
Your GEMS Titanium MasterCard comes with a range of additional protection features
Education protection coverage of up to AED 500,000 per child. Learn more.
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.
Up to 3.75% per month until 23 January 2023
3.85% per month from 24 January 2023 onwards
Interest on Cash Advance*
3.50% per month until 23 January 2023
3.99% per month from 24 January 2023 onwards
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
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
Cheque Returned Fee
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
Dispute Verification Charge
Issuance of Liability Letter
Above fees and charges are inclusive of VAT, if any.
Credit card charges are rounded off to two decimal places.
* Effective 24 ـJanuary 2023, Interest rate on Retail Purchases will be revised to 3.85% per month and Cash Advance will be revised to 3.99% per month
* Effective 24 January 2023, Interest rate on Retail Purchases and Cash Advance balances are subject to increase by 0.65% 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.
Get a GEMS Titanium Credit Card instantly on the FAB Mobile app
FAB Mobile puts the power of the bank in your hands
Get your FAB account and credit cards instantly. Zero paperwork
Open an account and get a credit card, with just your Emirates ID
Use your FAB Rewards to pay your bills anytime, anywhere
Check your balance, send money and earn rewards in a few taps
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