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 2.5 FAB Rewards per AED 1 you spend
- High credit limits
- 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. |
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 and SHOP SMART through the FAB Mobile app.
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
- 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
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.
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 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 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.