Platinum Credit Card
- 2 airport transfers every year
- Discounts on cinema tickets
- Loyalty benefits
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 |
Lifestyle 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 Platinum Credit Cardholders can enjoy 4 movie tickets per month at AED 15 during weekdays and AED 20 during weekends with Reel Cinemas, Cine Royal and Oscar Cinema.
-
Buy 1 get 1 free on VOX Cinema tickets*
Buy a ticket to any Sunday showing at UAE Vox Cinemas and get another ticket free! Learn more.
- Visa & MasterCard Offers
Plus hundreds more top-class offers available to FAB Platinum Credit Cardholders.
FAB Mastercard Cardholders – Learn more
FAB Visa Cardholders – Learn more
*Service offered and supported by VISA. Terms and conditions of the offer(s) may change without prior notice. Visit www.visamiddleeast.com for latest updates.
Travel Benefits
Experience a better way to travel
Now you and your family can travel in style
-
Airport Transfers
Reaching the airport on time has never been easier! FAB Platinum Credit Cardholders can enjoy 2 airport transfers per annum. To book this service, please email Fabtransfers@enatravels.com or call 04 852 4856. Learn more.
-
Airport Lounge Access*
Sit back and relax with access to 25+ Airport Lounges worldwide using your FAB Mastercard Platinum Credit Card, with no prior booking. Learn more.
*Service offered and supported by VISA. Terms and conditions of the offer(s) may change without prior notice. Visit www.mastercard.com for latest updates.
FAB REWARDS
Rewarding in every way
The all-new Rewards on the FAB Mobile app
Offers
A fantastic range of offers for our FAB customers
- Enjoy special offers and discounts at selected premium retailers, restaurants and lifestyle venues in the UAE. Learn more
Protection
If the unexpected happens, we’ve got you covered
Enjoy an array of additional protection benefits with your Platinum Credit Card
-
Global Purchase Protection and Extended Warranty
Enjoy Purchase Protection* and an Extended Warranty* of 12 months beyond the manufacturer or retail warranty with your FAB Visa Platinum Credit Card.
Enjoy Purchase Protection** for 90 days beyond the manufacturer or retail warranty with your FAB Mastercard Platinum Credit Card.
-
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.
-
International Medical and Travel Assistance*
Ensure your trip is memorable for the right reasons, with complimentary international medical and travel assistance. Learn more.
*Service offered and supported by VISA. Terms and conditions of the offer(s) may change without prior notice. Visit www.visamiddleeast.com for latest updates.
**Service offered and supported by MasterCard. Terms and conditions of the offer(s) may change without prior notice. www.mastercard.com.
Click here to view the credit card terms and conditions.
Min Monthly Salary
AED 8,000
Schedule of Fees and Charges
Annual Fees |
Salary Transfer Customers |
Non Salary Transfer Customers |
AED 200 |
AED 300 |
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
|
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.
Effective September 2022, an annual fee will be applicable on your FAB credit card(s). If you reach a minimum level of spending on your card within a year, then you will not have to pay the annual fee. For Platinum Credit Cardholders who transfer their salaries to a FAB account, a minimum yearly spend of AED 18,000 is required to avoid the AED 200 annual fee. For Platinum Credit Cardholders who do not transfer their salaries to a FAB account, a minimum yearly spend of AED 18,000 is required to avoid the AED 300 annual fee. If you do not meet this minimum yearly spend on your card, the annual fee will be charged to your credit card each year on the anniversary of the date that your card was issued, starting from September 2022 for both existing and new cardholders.
*Effective 5 October 2022, a welcome bonus equivalent to the annual fee will be credited when the card is used for spending within 30 days of activation.
Get a Platinum 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
What you get from our credit cards
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