FAB SHARE Signature Credit Card
Earn more SHARE points faster on all your spending with no limits on your SHARE earnings with the FAB SHARE Signature Credit Card.
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.
Exclusive welcome offer on a FAB SHARE Signature Credit Card
Apply for a FAB SHARE Signature Credit Card on the FAB Mobile app by 31 October 2023, pay no annual fee for the first year and get up to AED 3000 cashback when you start spending on your card.
Accelerate your SHARE points earning across all your spending and get great benefits including free access to thousands of airport lounges.
View the Terms and Conditions
Exclusive Benefits
- Earn up to 7% value back in SHARE points at Carrefour for each AED 1 spent
- Earn up to 8.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
- Earn up to 6.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
- Earn up to 2.75% value back in SHARE points on international spending, other retail spending, and online shopping
- Get 2 for 1 cinema tickets at VOX Cinemas
- Get a chance to win back your monthly spend at Mall of the Emirates and all City Centres in the UAE (up to AED 1,000 for one winner)
- First-of-its-kind biometric verification is built into your credit card for even safer transactions
- Apply and get an instant virtual card to use in digital wallets through the FAB Mobile app
SHARE Points Earning Rates
| Spending type |
Regular SHARE points earning per AED 1 spent** |
Earning on the FAB SHARE Signature Credit Card per AED 1 spent |
Additional earnings when you transfer your salary to a FAB account |
| Carrefour (in-store or online) |
0.25% |
6.5% |
0.25% |
| Spending at Mall of the Emirates and City Centres across the UAE* |
Up to 1% |
5% |
0.25% |
| Spending at VOX Cinemas, Ski Dubai, Dreamscape, iFLY Dubai, Magic Planet, and Little Explorers |
3% |
5% (at Mall of Emirates or City Centres in the UAE) |
0.25% |
| Other retail, online and international spending* |
- |
2.5% |
0.25% |
| Spending at selected merchants* including utility and fuel providers and other supermarkets |
- |
0.5% |
- |
SHARE points are earned for spending on the card until the credit limit is reached. Once the credit limit is reached, SHARE points will no longer be earnt for that month.
*Refer to the FAB SHARE Credit Card Terms and Conditions for a full list of eligible brands and merchants per category.
**Regular SHARE points are credited to your SHARE account as part of the SHARE programme offering. FAB SHARE Credit Card Terms and Conditions and FAB Master Credit Card Terms and Conditions apply.
SHARE Benefits
- Earn SHARE points on all your spending across the UAE and worldwide, including mall shopping, groceries, movies, purchases from exclusive partners, and more
- Use your SHARE points to pay for purchases and experiences at 3,500 stores in Mall of the Emirates and City Centres across the UAE
- Access SHARE discounts, exclusive contests and member benefits on the SHARE app
For information about the SHARE programme and benefits, please visit: https://www.sharerewards.com
Lifestyle Benefits
- FAB SHARE Credit Cardholders can enjoy two VOX Cinemas tickets for the price of one ticket
- Use SHARE points to pay for purchases at Mall of the Emirates and all City Centres in the UAE
- Get free access to more than 1,000 airport lounges worldwide through LoungeKey from Visa
- Get 2-for-1 offers with the Entertainer App from Visa
- Get 20% off three Careem rides monthly, 30% off three Careem Food & Shop orders every month, and 10% credit back on Careem BIKE rentals from Visa
- Add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay
Protection Benefits
- Get free international medical and travel insurance from Visa
- Opt for Credit Shield benefits so that your outstanding balance will be paid off if something happens and you can’t meet your credit card payments
- Receive SMS alerts on all your credit card transactions
- Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty from Visa
- With Fraudulent Transaction Protection, benefit from automatic protection from unauthorised transactions or the fraudulent use of your card for up to USD 4,000 per year from Visa
Min Monthly Salary
AED 30,000
Annual Fees
AED 1,500
FAB SHARE Signature Credit Card Schedule of Fees and Charges
| Primary Card Annual Fee |
AED 1575 |
| Supplementary Card Annual Fee |
Free |
| 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 of cash obtained with a minimum of AED 157.50 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 31.50, whichever is higher |
| Late Payment Fee |
AED 241.50 in any month when the payment is late, not made, or 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 |
The above fees and charges are inclusive of VAT, if any.
Credit card charges are rounded up to two decimal places.
*Effective 11 June 2019, interest rates on retail purchases and cash advance balances are subject to increase by 0.50% if 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 FAB SHARE Signature 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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