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    FAB GEMS World Credit Card card image
    First Abu Dhabi Bank · Lifestyle

    FAB GEMS World Credit Card

    Save up to 3% on eligible GEMS school fee payments.

    Min. salary
    AED 8,000
    Annual fee
    399
    Primary rewards
    Cashback

    Get 10% cashback on eligible school-related expenses.

    No Annual Membership Offer
    First year free
    New-to-bank customers can enjoy no annual fee for the first year, with the fee waived in later years when eligible non-educational spend reaches AED 24,000.

    Overview

    The FAB GEMS World Credit Card is designed for families who want to save on GEMS school fees and earn cashback on education and everyday spending.

    • Save up to 3% on eligible GEMS tuition fees paid in advance.
    • Get 10% cashback on eligible school-related expenses such as bus fees, canteen, uniforms and extracurricular activities.
    • Get 0% Easy Payment Plans on eligible GEMS school fees for up to 12 months with no processing fee under the current offer.
    • Get up to 1% cashback on eligible domestic spending.
    • Get up to 2% cashback on eligible international and non-AED spending.
    • Get discounted cinema tickets from AED 20.
    • Enjoy complimentary airport lounge access for you and one guest, subject to Mastercard conditions.
    • Get selected family entertainment discounts.
    • Access optional education protection coverage for eligible children.
    • Get the annual fee waived when eligible non-educational spend reaches AED 24,000 in the previous year.

    Rewards structure

    Get 10% cashback on eligible school bus transport, canteen, uniform and extracurricular activity spending, credited as 33.5 FAB Rewards per AED 1.
    Get up to 2% cashback on eligible international and non-AED spending, credited as 6.5 FAB Rewards per AED 1.
    Get up to 1% cashback on eligible domestic spending, credited as 3.5 FAB Rewards per AED 1.
    FAB Rewards earned from eligible credit card spending are capped at 334,000 Rewards per month.
    Cashback is credited in the form of FAB Rewards and is subject to transaction eligibility and merchant classification.

    Benefits

    Up to 3% School Fee Savings

    Save up to 3% on eligible GEMS tuition fees when qualifying fees are paid in advance using the FAB GEMS World Credit Card. The applicable discount depends on the payment period and fee cycle.

    10% School Cashback

    Get 10% cashback on eligible school-related expenses including bus fees, canteen, uniforms and extracurricular activities.

    0% School Fee Instalments

    Convert eligible GEMS school fee payments into 0% Easy Payment Plans for 3, 6, 9 or 12 months with no processing fee under FAB's current offer.

    1% Everyday Cashback

    Get up to 1% cashback on eligible domestic spending in the UAE.

    2% International Cashback

    Get up to 2% cashback on eligible international and non-AED card spending.

    AED 20 Movie Tickets

    Get two eligible cinema tickets every month for AED 20 each at Reel Cinemas, Cine Royal and Star Cinemas.

    Cinépolis Discount

    Get 40% off eligible deluxe cinema tickets at participating Cinépolis locations, subject to offer terms.

    Airport Lounge Access

    Get complimentary access to more than 1,000 participating airport lounges for you and one guest, up to eight visits per year, after meeting the applicable Mastercard transaction requirement.

    Family Attraction Discounts

    Get selected family entertainment benefits, including up to 20% off eligible Emaar attractions and other participating offers published by FAB.

    IMG Worlds Discount

    Get 30% off eligible general admission tickets at IMG Worlds, subject to the current offer terms.

    Optional Education Protection

    Eligible primary cardholders can opt into education protection provided by ADNIC, with cover of up to AED 500,000 per child. FAB currently lists the premium as AED 28 per month per child.

    Annual Fee Waiver

    Get the annual membership fee waived when eligible non-educational spending reaches AED 24,000 during the previous card year.

    Savings, cashback, instalment plans, lounge access, cinema offers and insurance benefits are subject to FAB, GEMS, Mastercard, ADNIC and participating partner terms. Merchant eligibility, payment deadlines, spend requirements and offer validity periods apply.

    Fees and key details

    Minimum salaryAED 8,000
    Annual fee399
    Welcome offerFirst year free

    Basic eligibility

    Minimum monthly salaryAED 8,000
    ResidencyUAE Resident Required
    EmploymentSalaried and Self-employed

    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

    Review the product details

    Understand the available features, fees, eligibility requirements and repayment conditions.

    Check eligibility

    Submit your details and consent to be contacted.

    Discuss the next steps

    The FinShark team or authorised fulfilment partner will explain the relevant process and available information.

    Issuer review

    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 GEMS World Credit Card?

    FAB states a minimum monthly salary of AED 8,000 for the FAB GEMS World Credit Card.

    What is the annual fee for the FAB GEMS World Credit Card?

    The standard annual membership fee is AED 399 excluding VAT. FAB's July 2026 fee schedule lists AED 418.95 inclusive of VAT.

    Is the FAB GEMS World Credit Card free for the first year?

    Yes. FAB states that new-to-bank customers receive the card free for the first year.

    Can the annual fee be waived after the first year?

    Yes. The annual fee is waived when eligible non-educational spending reaches AED 24,000 during the previous card year.

    How much can I save on GEMS school fees?

    FAB advertises savings of up to 3% on eligible GEMS tuition fees. The actual discount depends on how far in advance the tuition fees are paid and the applicable academic fee cycle.

    Do I always get 3% off GEMS school fees?

    No. The maximum 3% rate applies to eligible advance tuition payments. Lower rates apply to shorter advance-payment periods, according to the GEMS fee cycle.

    How much cashback do I get on school-related expenses?

    Eligible school bus, canteen, uniform and extracurricular activity spending can earn 10% cashback in the form of FAB Rewards.

    How many FAB Rewards do school-related expenses earn?

    FAB's Rewards programme lists 33.5 FAB Rewards per AED 1 on eligible school bus transport, canteen, uniform and extracurricular activity spending.

    How much cashback do I get on everyday spending?

    Eligible domestic spending can earn up to 1% cashback, while eligible international and non-AED spending can earn up to 2% cashback.

    Is there a monthly rewards cap?

    Yes. FAB states that rewards earned from eligible GEMS World Credit Card spending are capped at 334,000 FAB Rewards per month.

    Can I pay GEMS school fees in instalments?

    Yes. Under FAB's current offer, eligible GEMS school fee payments can be converted into 0% Easy Payment Plans for 3, 6, 9 or 12 months with no processing fee.

    What is the minimum transaction amount for a GEMS Easy Payment Plan?

    FAB states that the minimum eligible GEMS transaction amount for Easy Payment Plan conversion is AED 1,000.

    How long is the current 0% GEMS school fee instalment offer valid?

    FAB currently states that the 0% GEMS school fee Easy Payment Plan with no processing fee is valid until 31 December 2026.

    Does the FAB GEMS World Credit Card include education protection?

    Eligible primary cardholders can opt into an education protection insurance plan provided by ADNIC. The plan provides cover of up to AED 500,000 per eligible child and currently costs AED 28 per month per child.

    Is education protection free?

    No. FAB's current FAQ states that the education protection premium is AED 28 per month for each enrolled child.

    Does the card offer discounted cinema tickets?

    Yes. FAB advertises two eligible cinema tickets per month for AED 20 each at participating Reel Cinemas, Cine Royal and Star Cinemas, plus a separate Cinépolis discount.

    Does the FAB GEMS World Credit Card include airport lounge access?

    Yes. FAB advertises complimentary access to more than 1,000 participating lounges for the cardholder and one guest, up to eight visits per year, after meeting the applicable Mastercard transaction requirement.

    Does the card offer family attraction discounts?

    Yes. FAB currently advertises selected family entertainment benefits including discounts at participating Emaar attractions and IMG Worlds. Partner offers may change.

    Is there an annual fee for a supplementary GEMS World Credit Card?

    No. FAB states that supplementary GEMS World Credit Cards have no annual membership fee.

    What documents should I have ready when applying?

    FAB's digital credit-card application generally asks applicants to have a valid physical or digital Emirates ID and their bank IBAN ready. Additional documents may be requested during assessment.

    Why this card may suit you

    You pay tuition fees at a participating GEMS school.

    You regularly spend on school transport, uniforms, canteen or extracurricular activities.

    You want the option to spread eligible GEMS school fees over 3, 6, 9 or 12 months at 0% under the current offer.

    You want cashback on everyday and international spending as well as education expenses.

    Family entertainment, cinema and airport lounge benefits are useful to you.

    You can spend AED 24,000 or more per year on eligible non-educational purchases to avoid the annual fee.

    Check your eligibility

    Share your details and our team will help you understand the available next steps.

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