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FAB Elite Credit Card
Get access to 60+ beach clubs, gyms and sports clubs with ADV+.
Earn up to 20 FAB Rewards per AED 1 on eligible luxury spending.
Overview
The FAB Elite Credit Card combines premium lifestyle, travel and rewards benefits for high-spending cardholders.
- Access more than 60 participating beach clubs, gyms and sports clubs through ADV+.
- Get up to 40% off at participating premium restaurants across the UAE.
- Get 24/7 lifestyle concierge assistance.
- Earn 20 FAB Rewards per AED 1 on eligible luxury-brand spending.
- Earn 10 FAB Rewards per AED 1 at eligible eco-friendly merchants.
- Earn up to 5 FAB Rewards per AED 1 on other eligible spending in the UAE and abroad.
- Get a gold reward after reaching AED 500,000 in eligible annual card spending.
- Enjoy complimentary valet parking, cinema benefits and attraction discounts.
- Get global airport lounge access for you and one guest.
- Receive airport fast-track services and eligible Careem airport transfers.
- Get premium travel protection benefits through Mastercard.
Rewards structure
Benefits
Get access to more than 60 participating beach clubs, gyms and sports clubs across the UAE through ADV+, subject to the applicable monthly spend requirement.
Get up to 40% off at participating premium hotel restaurants across the UAE through the ADV+ programme.
Get round-the-clock concierge support for travel planning, fine dining reservations and access to selected events and experiences.
Earn 20 FAB Rewards per AED 1 at eligible luxury brands including participating fashion, jewellery and premium retail merchants.
Earn 10 FAB Rewards per AED 1 at more than 200 eligible eco-friendly merchants participating in FAB's sustainability programme.
Spend AED 500,000 or more on the card in a year and qualify for a gold reward redeemable through the FAB Rewards section of FAB Mobile.
FAB states that a tree will be planted through Give a Ghaf for each new FAB Elite Credit Card.
Get one complimentary hour of valet parking up to five times per month at participating premium locations across the UAE, subject to the monthly spend condition.
Get buy-one-get-one-free movie tickets at participating Roxy Cinemas plus up to eight discounted tickets per month from AED 20 at participating Reel, Cine Royal, Star and VOX Cinemas.
Get up to 20% off eligible experiences at selected Emaar and Dubai Holding attractions.
Get 30% off or one complimentary guest at selected golf clubs worldwide through the Mastercard Golf Programme by Thriwe.
Get complimentary access to participating airport lounges worldwide for you and one guest after meeting the applicable Mastercard transaction requirement.
Get three complimentary airport fast-track services per year at participating airports across Europe, Turkey and Asia through Mastercard Travel Pass.
Get up to six eligible Careem airport transfers per year when paying with the card. Hala Taxi rides are excluded.
Get eligible travel medical and emergency assistance coverage of up to USD 500,000 for you, your family and your helper, subject to Mastercard insurance terms.
Get rental collision and loss damage protection of up to USD 50,000 on eligible vehicle rentals, subject to Mastercard terms.
Rewards, lounge access, ADV+ benefits, concierge, valet parking, cinema, travel services and insurance are subject to FAB, Mastercard and participating partner terms. Spending requirements, monthly limits and merchant eligibility apply.
Fees and key details
Basic eligibility
Eligibility, approval and credit limit are determined by FAB and remain subject to the bank's credit assessment, affordability checks, policies and applicable terms and conditions.
Documents you may need
The issuer may request documents to verify your identity, residency, employment and income.
Emirates ID
Valid passport
Valid UAE residence visa
Salary certificate or recent bank statements
Trade licence or business documents, for self-employed applicants
Any additional documents requested by the issuer
How the process works
Understand the available features, fees, eligibility requirements and repayment conditions.
Submit your details and consent to be contacted.
The FinShark team or authorised fulfilment partner will explain the relevant process and available information.
The issuer assesses the application, supporting documents, income and credit profile before making a final decision.
Submission of your details does not constitute approval. Final eligibility, terms and approval are determined by the issuer.
Important information
Product information is provided for general comparison purposes and may change. Eligibility, fees, rewards, benefits and approval are determined by the card issuer. Terms and conditions apply.
Frequently asked questions
What is the minimum salary for the FAB Elite Credit Card?
FAB states a minimum monthly salary of AED 40,000 for the FAB Elite Credit Card.
What is the annual fee for the FAB Elite Credit Card?
The standard annual membership fee is AED 1,200 excluding VAT.
Is the first year free on the FAB Elite Credit Card?
FAB currently advertises the first year free for new FAB Elite Credit Cards. The standard annual fee is AED 1,200 excluding VAT thereafter, subject to the current offer terms.
How many FAB Rewards can I earn on luxury spending?
Eligible luxury-brand transactions earn 20 FAB Rewards per AED 1.
How many FAB Rewards do I earn at eco-friendly merchants?
Eligible purchases at participating eco-friendly merchants earn 10 FAB Rewards per AED 1.
How many FAB Rewards do I earn on other spending?
Other eligible domestic and international spending can earn up to 5 FAB Rewards per AED 1. Selected categories earn 0.5 FAB Rewards per AED 1.
Is there a monthly FAB Rewards cap?
Yes. Overall FAB Rewards earning is capped at 500,000 Rewards per month. Rewards from eligible luxury spending are separately capped at 200,000 Rewards per month.
How do I qualify for the FAB Elite gold reward?
FAB states that cardholders who spend AED 500,000 or more on the card in a year can receive a gold reward through the FAB Rewards Shop.
Does the FAB Elite Credit Card include beach club and gym access?
Yes. Eligible cardholders can access more than 60 participating beach clubs, gyms and sports clubs through ADV+.
Is there a minimum spend for the ADV+ benefit?
Yes. FAB states an AED 10,000 monthly card-spend requirement. Beach and sports access is chargeable at AED 300 for each month in which the spend target is not met.
Does the card offer dining discounts?
Yes. Eligible cardholders can get discounts of up to 40% at participating premium hotel restaurants across the UAE through ADV+.
Does the FAB Elite Credit Card include concierge service?
Yes. The card includes 24/7 lifestyle concierge support for services such as travel planning, fine dining and selected event arrangements.
How many complimentary valet parking visits do I get?
FAB advertises one complimentary hour of valet parking up to five times per month at participating premium UAE locations, subject to the applicable monthly spend condition.
What cinema benefits are available?
FAB currently advertises buy-one-get-one-free movie tickets at participating Roxy Cinemas and up to eight discounted cinema tickets per month from AED 20 at participating Reel, Cine Royal, Star and VOX Cinemas.
Does the FAB Elite Credit Card include airport lounge access?
Yes. FAB advertises complimentary global airport lounge access for the cardholder and one guest after meeting the applicable Mastercard transaction requirement.
Does the card include airport fast-track services?
Yes. Eligible cardholders can receive three complimentary airport fast-track services per year at participating airports through Mastercard Travel Pass.
Does the card include airport transfers?
Yes. FAB advertises six eligible Careem airport transfers per year when paying with the card. Hala Taxi rides are excluded.
What travel insurance is included with the FAB Elite Credit Card?
Eligible Mastercard benefits include travel inconvenience insurance, travel medical and emergency assistance of up to USD 500,000, and rental collision and loss damage protection of up to USD 50,000. Terms and coverage conditions apply.
Does the FAB Elite Credit Card offer golf benefits?
Yes. Eligible cardholders can get 30% off or one complimentary guest at selected golf clubs worldwide through the Mastercard Golf Programme.
What documents should I have ready when applying?
FAB's digital credit-card application generally asks applicants to have a physical or digital Emirates ID and their bank IBAN ready. Additional information or documents may be requested during assessment.
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