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Back to FAB Rewards

FAB Rewards Programme

FAB Rewards

Rewards for every INTERACTION

Earn FAB Rewards for your everyday credit card and debit card spends, current account balances, fixed deposits, home loans, auto loans and personal loans with FAB. You also get rewarded for registering to FAB digital banking channels and initiating online transactions.

Credit Cards

Every time you use your FAB credit card, you are on your way to earning free and exciting rewards!

Note: Fuel, education, government services, charities, transport, rental, insurance and fast food spending will earn 1 FAB Reward / AED 1 spent.

Debit Cards

Accounts and Fixed Deposits

Get rewarded with up to 8 FAB Rewards for every AED 1,000 of current and savings account balance or fixed deposits. Your rewards increase with incremental balance and you can earn up to a maximum of 150,000 FAB Rewards per month.

Balance FAB One Account
FAB Rewards per AED 1,000
Monthly Average Account Balance
FAB Elite Gold Account
FAB One and Elite Gold Accounts FAB Rewards per
AED 1,000 Monthly Average Account Balance
FAB Rewards per AED 1,000
Fixed Deposits Balance for Elite customers
Up to AED 10,000 - - -
AED 10K to AED 3M 6 FAB Rewards 8 FAB Rewards 1.5 FAB Rewards
>AED 3M 6 FAB Rewards 8 FAB Rewards 2.5 FAB Rewards


Buying your dream car? Financing a property for residential use or investments? Dreaming of your next vacation? Get rewarded with exciting FAB Rewards when you apply for a new loan with FAB.

Loan Type FAB Rewards per AED 1,000 loan amount for Elite clients Maximum Rewards per transaction
Personal Loan 300 FAB Rewards 200,000 FAB Rewards
Auto Loan 100 FAB Rewards 200,000 FAB Rewards
Home Loan 240 FAB Rewards 600,000 FAB Rewards

Digital Banking Channels

Transact using FAB Mobile and earn more Rewards faster!

  • 1,000 FAB Rewards for a first-time registration to the FAB Mobile app or Online Banking channels for Elite customers
  • 600 FAB Rewards on international remittances, up to a maximum of 3,000 FAB Rewards monthly for Elite customers
  • 2,000 FAB Rewards for every new standing instruction bill payment setup, credited after first successful payment for Elite customers
  • 500 FAB Rewards on international remittances, up to a maximum of 2,500 FAB Rewards monthly for all other customers

Co-Branded Credit Cards

Redemption options are EXTENSIVE

With a whole new extensive range of options to select from, you can now choose to use your rewards from shopping, paying your utility bills, dining out or booking your next holiday. Enjoy the ultimate flexibility of using your Rewards the way you like!


Shopping at point of sale

Instantly redeem your rewards at the point of sale in-store at over 4,500 FAB terminals across the UAE including leading brands across Lulu, Al Shaya Group, Al Futtaim group, GEMS education, Americana Group , Cine Royal and many more.

Click here for a full list of participating brands

Present your card for payment

Your Rewards balance will automatically be displayed when you tap or insert your card for payment.


Select partial or full payment with Rewards

You can decide to pay the full transaction amount with your Rewards balance or pay partially with your available Rewards balance and use your FAB credit card for the remaining amount.


Enter your transaction PIN & confirm

Your transaction will be processed, the receipt will reflect details of the purchase and summary of your Rewards redeemed.

Gift cards

Gift cards and shopping vouchers

Redeem your rewards for instantly downloadable digital gift cards! Perfect to celebrate a joyous occasion, buy something special for your loved ones or to treat yourself.


Login to FAB Mobile

You can now redeem your Rewards conveniently at a click of a button.


Navigate to Rewards Menu

Click on Vouchers and select a brand of your choice.


Enter a denomination & confirm

Your transaction will be processed, a digital copy of your voucher will be saved in the My Rewards section for use any time until expiry.


Pay with FAB Rewards - transaction reimbursement

Pay for any of your purchases globally using your FAB credit card including Apple Pay or Samsung Pay purchases or using your debit card, and then offset your purchase with your Rewards later by selecting the option “Reimburse transaction” from your Rewards dashboard on FAB Mobile. You can also use this option to settle any bank charges.


Pay for your purchases

Make a purchase anywhere, for anything using your FAB credit card including payments via Apple Pay and Samsung Pay or with your FAB debit card.


Login to FAB Mobile, select Reimburse transaction

Navigate to the Rewards section and select “Reimburse transaction”.


Choose a transaction and redeem

All your eligible purchase transactions and bank charges will reflect within 48 hours, you can select any particular transaction and offset the purchase for an immediate direct cashback credit to your statement.



If you’re a fan of simple cashback rewards, redeem your FAB Rewards for a direct cashback credit to your statement. Cashback can be redeemed in multiples of AED 50 and is instantly processed in real-time.


Login to FAB Mobile, select Cashback

Navigate to the Rewards section and select “Cashback”.


Enter Cashback Amount

Enter any amount in multiples of AED 50.


Select card and confirm

Select the card to which your cashback credit should be posted and confirm your transaction. Cashback will be instantly processed a credit transaction will be posted to your card statement.

Air Miles

Emirates Skywards Miles exchange

Emirates Skywards is the loyalty programme for Emirates and flydubai. Exchange your FAB Rewards for Emirates Skywards Miles and fulfill your travel goals. Whether you want to plan a trip to your dream destination, stay at a luxurious resort, experience a thrilling adventure or travel in style & comfort with business class upgrades, you can use your Miles to enjoy what you love the most.

  • 16 FAB Rewards = 1 Emirates Skywards Mile
Exchanging FAB Rewards for Emirates Skywards Miles is only available to customers who have enrolled in the Emirates Skywards programme. Emirates Skywards Terms and Conditions apply. Learn more.

Login to FAB Mobile, select Convert to Miles

• Navigate to the Rewards section and select “Convert to Miles”.


Choose Emirates Skywards Miles transfer

Key in your frequent flyer membership number.


Enter number of Miles required and confirm

Enter the number of Rewards you would like to transfer or alternatively the number of Miles you would like to receive and click confirm. Miles will be credited to your Emirates Skywards account within 3 working days.


Utility bill payments

Making your monthly bill payments is hassle free! You can now conveniently pay off your water and electricity, salik, du and etisalat bills using your FAB Rewards. Choose to pay your bill in full with your rewards or make a partial payment with rewards and settle the balance with your FAB credit card, debit card or account balance.


Login to FAB Mobile, select Pay Utility Bill

Navigate to the Rewards section and select “Pay Utility Bill”.


Choose Service provider

Select from our list of partners including Etisalat, Du, ADDC, DEWA, SEWA, AADC, FEWA and Salik, and enter your consumer number. Your bill details will automatically be fetched from the service provider.


Select partial / full amount payment with Rewards

Choose if you would like to pay the full amount using your rewards balance or select pay other amount to enter the number of Rewards you would like use towards partial bill payment, and click confirm. Your bill will be settled immediately.



Use your FAB Rewards to relax, unwind, renew and enjoy! Select from over 120 major airlines, 650,000 hotel properties and beach resorts, 36 car rental companies, across 30,000 locations in 195 countries.


Login to FAB Mobile, select Travel

Navigate to the Rewards section and select “Travel”.


Choose your service and Book

Select your travel service and view options to pay partially or in full using your available FAB Rewards. Enter your FAB payment debit/ credit card for any balance amount and confirm your booking with your transaction OTP.


Booking confirmation reference

Your e-ticket/ booking confirmation reference will be generated and automatically stored in the My Rewards section on your FAB Mobile Rewards dashboard. Present your ticket to access the service.

Online Store

Store - Coming Soon!

We’re building an exciting FAB Rewards marketplace and endeavor to bring to you thousands of vibrant shopping options from your most favorite brands!

Redemption is INSTANT

We have designed an experience that you will enjoy using! Accessible anytime, anywhere through FAB Mobile and Internet Banking our new FAB Rewards programme puts you in full control and gives you the convenience of redeeming your rewards instantly.

Digitally enabled and convenient to access

Digitally enabled and convenient to access

All your redemption options are now conveniently accessible in one place within your banking app. Browse through high-value surprise loyalty deals using the “My Rewards” dashboard, enroll for bonus rewards offers and view your redeemed items including e-ticket bookings, shopping order status and digital copy of e- vouchers.

Real-time you can enjoy your reward instantly

Real-time, you can enjoy your reward instantly

No more waiting! No more calls! We’ve made it time-saving, your redemptions are now instant, quick and easy.

Simple and transparent

Simple and transparent

All the information you need about your program is available in the new History section on your Rewards dashboard, view details on your rewards transaction activity, product level rewards earnings, view your redemption details, and rewards expiring soon.


How can I accumulate more FAB Rewards faster?


What can I get with my FAB rewards?

We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our FAQs page.



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