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GEMS Titanium Credit Card

Up to 4.25% 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

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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.

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

View the advance Tuition Fee Discount Scheme on GEMS Credit Card

For 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.

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.

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. 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

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.

Click here to view the credit card terms and conditions.

Min Monthly Salary AED 5,000

Apply now Schedule of fees and charges

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

Apply Now

Enter your details and we will call you back within
one working day to proceed with your application.

First Name

Last Name

Company Name

Phone Number

AED

Salary per month

Do you own a car?

How much do you spend on utility bills per month?

AED

How much do you spend on entertainment per month?

AED

How many times do you travel per year?

How much do you spend on education per year?

AED

I hereby authorise First Abu Dhabi Bank to obtain a credit information report on me from the Al Etihad Credit Bureau (or any successor organisation).

I have read and accept the Terms and Conditions.

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What you get from our credit cards

Balance Transfer

Winners

Quick Cash

Easy Payment Plan

Standing Instructions for Recurring Bill Payments

Standing Instruction for One Time Payment

Credit Card Bill Payment

Credit Shield

Utility Bill Payments

Chip and Pin

Payment Partners

Can't find what you are looking for?

We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile application and check our Frequently Asked Questions (FAQs) page.

Interest on Retail Purchases*	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	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

GEMS Titanium Credit Card

WARNING

School Fee Discounts

Help your children achieve their potential