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
Get exclusive travel benefits when you use your Abu Dhabi Titanium Credit Card for purchases
Lounge Access
Travel should always feel like a privilege, and with access to some regional airport lounges it sure does. As a FAB Titanium cardholder you receive:
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
- Access to business facilities – email, Internet, phones, fax machines, and conference space in some lounges
- Complimentary refreshments and snacks
Whether you are traveling with your family or on a business trip, enjoy exclusive benefits with Avis. With your FAB Titanium Credit Card, you can now enjoy access to:
- 15% off your next car rental across Europe, the Middle East, Africa and Asia
- 12% off your next car rental in the United States and Canada
- A complimentary upgrade with every rental, worldwide
Never miss a favorite movie, with special discounts on cinema tickets
Discounted chauffeur rides with Careem
Now when you travel across countries in the Middle East with your FAB Titanium credit card,
- Your first ride free (for new Careem customers only)
- 20% off 3 rides every month
Hundreds of complimentary offers throughout Middle East & Africa across fine dining, premium spas or activities such as:
- Complimentary main menu item when one main menu item is purchased
- 600+ offers available across multiple countries
- Unlimited redemptions / usage on all offers
Earn FAB Rewards equivalent to the annual membership fee for the first year when you activate your card and use it to spend within the first 30 days.
Earn up to 2.5 FAB Rewards for every AED 1 you spend
25% extra FAB Rewards for your spending in Abu Dhabi
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
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 Abu Dhabi Titanium Credit Cardholders who transfer their salaries to a FAB account, a minimum yearly spend of AED 12,000 is required to avoid the AED 100 annual fee. For Abu Dhabi Titanium Credit Cardholders who do not transfer their salaries to a FAB account, a minimum yearly spend of AED 12,000 is required to avoid the AED 200 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.
Make the most of your credit card with FAB's fantastic offers
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