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First Abu Dhabi Bank
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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
| 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
Click here to 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.
- 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.
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.
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 150 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.