FAB Credit Cards

A credit card gives you access to a pre-approved credit limit for everyday purchases, whether in-store, online or for bill payments. It may also offer cashback, rewards, travel and lifestyle benefits. You can repay the full outstanding balance by the due date without incurring interest, or choose to pay over time, subject to the card's terms and applicable interest.

A debit card uses money already available in your account, while a credit card gives you access to a pre-approved credit limit that you repay later. Credit cards may offer added benefits such as cashback, rewards points or travel & lifestyle privileges, but interest and fees may apply if balances are not repaid on time.

Eligibility usually depends on factors such as age, UAE residency status, minimum income, employment or income source, credit history and the specific card’s criteria. Credit card approval is subject to the bank’s credit assessment and required documents.

You can apply for a credit card online, through the FAB Mobile app, on FAB's website, or at a branch. You will usually need your valid Emirates ID only and your application will be subject to the card’s eligibility criteria, credit assessment and approval.

Once you submit your credit card application with all required documents, if approved, a digital card will be issued within minutes with a temporary/reduced limit, so you can start using it through supported digital wallets right away. The physical card is typically delivered within 3 to 5 business days. Timelines may vary depending on eligibility, document checks and approval requirements.

If your application is approved and a digital card is issued, you will be able to add it to your digital wallet and start using it before the physical card is delivered. Usage may be subject to a temporary or reduced limit until you receive and activate your physical card.

Interest is charged when you do not pay the card's full outstanding balance by the payment due date. The applicable interest rate depends on the card type and is shown in the Schedule of Charges and Key Facts Statement and the interest amount reflects on the monthly statement. Late payment fees and other charges may also apply.

You can convert eligible credit card purchases into an Easy Payment Plan through the FAB Mobile app or FAB Online Banking. You can also SMS “EPP” to 2121. The applicable tenure, fees, interest/profit rate and eligibility criteria will depend on the offer and transaction type.

Yes. You can temporarily freeze your credit card through the FAB Mobile app, Online Banking, Contact Centre, branch, and any other supported channel if you have misplaced it. If your card is lost, stolen, or compromised, you should permanently block it and request a replacement card immediately.

If you notice an unauthorised or suspicious transaction, report it immediately by calling the Contact Centre on 600 52 5500 or +971 (2) 681 1511 from outside the UAE, emailing atyourservice@bankfab.com, or visiting your nearest branch.

Remember: do not share your OTP, PIN, CVV or online banking password with anyone.