UAE 
First Abu Dhabi Bank
First Abu Dhabi Bank P.J.S.CGET - On the app Store
Back to Cards
Standard Credit Card
- Earn up to 2 First Reward Points per AED 1
- High credit limits
- Loyalty benefits
Lifestyle Benefits
Bring some luxury into your life
Get the spending power you need for the lifestyle you want
- High credit limits
- Up to 25 days interest free
- Shop Smart
Get up to 10% Cashback all year round at leading global online stores using your FAB Credit Card. Visit shopsmart.ae to register and save every time you buy from your favourite online brands using Shop Smart.
Rewards and Offers
Sprinkle some Star-dust into your lifestyle
Enjoy the ultimate flexibility in loyalty programs and switch between loyalty programs on the same card at no extra cost, all year round
- First Rewards
First Rewards is a unique loyalty programme designed for FAB Credit Card members. Earn double First Reward Points every time you use your FAB Credit Card at any supermarket or departmental store in the UAE or on all purchases internationally. Choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more at Abu Dhabi Mall, Khalidiya Mall, Cine Royal Cinemas, Lulu, Paris Gallery, Mc Donald's and other popular destinations. Then call 600 52 5500 indicating your choice of reward(s) for redemption.
Click here to know more. - First Cashback
First Cashback is a first of its kind Cashback loyalty program in the UAE that offers guaranteed cashback earnings up to 5%, with no minimum spend criteria. What's more? Cashback earned has no expiry. This program allows you redeem your accumulated cashback amount at any time by contacting our Call Centre on 600 52 5500. Upon your request, cashback will be instantly credited to your FAB Credit Card.
Click here to know more.
Protection Benefits
Protection for you and your family
Your Standard Card comes with a range of additional protection features
- Standing Instructions
With Standing Instructions, you can conveniently make up to 20 payments including utility bills, schools & university fees and insurance premiums such as Etisalat, E-vision and more; paid on time, every time. You will never have to remember payment dates ever again.
- 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.
- Wallet Shield
A lost or stolen wallet is more than just inconvenience and monetary loss. It takes away your peace of mind and puts you completely off track. Wallet Shield covers fraudulent transactions on your lost or stolen credit cards, robbed or stolen cash as well as for theft of identification papers or keys. To apply, SMS WS to 2121.
- Accident Care Plan
As a FAB Credit Cardholder, you are automatically enrolled in the personal accident insurance scheme worth AED 150,000 to cater to unforeseen eventualities like Death or Permanent Total Disability arising from an accident. In case of Permanent Total Disability, the benefit amount will be paid after six consecutive months of total disability recognised by a physician authorised by the insurance provider. First month of enrollment is free of charge.
FAB Credit Cards
Schedule of Fees and Charges
|
Interest on Retail Purchases* |
Up to 3.50% 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 105 per transaction |
|
International Transaction Fee |
2.05% 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 2 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.