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FAB Rewards Indulge Card
Earn 5 FAB Rewards per AED 1 on eligible online spending.
Get up to 20% off shopping, dining and selected UAE attractions.
Overview
The FAB Rewards Indulge Card is a no-annual-fee lifestyle card with enhanced rewards for online shopping and discounts across dining and entertainment.
- Earn 5 FAB Rewards per AED 1 on eligible online spending.
- Earn 1 FAB Reward per AED 1 on other eligible spending in the UAE and abroad.
- Earn 20,000 bonus FAB Rewards when you spend AED 10,000 or more in a month.
- Get 20% off eligible purchases on Namshi.
- Get up to 20% off at more than 150 participating UAE restaurants.
- Save up to 20% at selected UAE entertainment and attraction partners.
- Get four eligible standard cinema tickets per month for AED 20 each.
- Enjoy complimentary airport lounge access up to four times per year.
- Redeem FAB Rewards for cashback, vouchers, dining, entertainment and participating airline miles.
Rewards structure
Benefits
Earn 5 FAB Rewards per AED 1 on eligible e-commerce transactions.
Get 20,000 bonus FAB Rewards when your eligible retail spend reaches AED 10,000 in a month.
Get 20% off eligible Namshi purchases of AED 300 or more, with a maximum discount of AED 100 per order, up to two transactions per month.
Get up to 20% off the regular à la carte menu at more than 150 participating UAE restaurants for groups of up to eight people including the cardholder.
Get up to 20% off eligible tickets and experiences at selected participating entertainment and attraction partners across the UAE.
Get up to four eligible standard 2D cinema tickets per month for AED 20 each at Cine Royal, Star Cinemas and Reel Cinemas after meeting the AED 3,000 monthly spend requirement.
Get up to four complimentary visits per year to more than 25 participating regional and international airport lounges after making the applicable USD 1 card transaction.
Get 10% off eligible bookings with Rentalcars.com and selected Budget car and truck rentals through applicable partner offers.
Access Fulfill's digital travel visa service to help with eligible visa applications and appointment bookings.
Redeem FAB Rewards for cashback, retail vouchers, dining, entertainment and participating airline miles through FAB Mobile.
Pay no annual membership fee for the primary or supplementary FAB Rewards Indulge Card.
Rewards, discounts, lounge access and partner benefits are subject to FAB, Mastercard and participating merchant terms. Spending requirements, usage limits, merchant eligibility and offer availability may 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, 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 Rewards Indulge Card?
FAB states a minimum monthly salary of AED 5,000 for the FAB Rewards Indulge Card.
What is the annual fee for the FAB Rewards Indulge Card?
There is no annual membership fee for the FAB Rewards Indulge Card.
How many FAB Rewards do I earn on online spending?
Eligible e-commerce transactions earn 5 FAB Rewards per AED 1 spent.
How many FAB Rewards do I earn on other spending?
Other eligible domestic and international spending earns 1 FAB Reward per AED 1. Selected categories earn 0.5 FAB Rewards per AED 1.
Is there a monthly FAB Rewards cap?
Yes. Regular FAB Rewards earned from credit card spending are capped at 50,000 Rewards per month.
How do I earn the 20,000 monthly bonus FAB Rewards?
Spend AED 10,000 or more in eligible cumulative retail transactions during a month to receive 20,000 bonus FAB Rewards.
Is there an annual cap on the 20,000 bonus FAB Rewards?
Yes. FAB states that bonus rewards from the AED 10,000 monthly spend benefit are capped at 240,000 FAB Rewards per calendar year.
What counts as online spending for the higher reward rate?
FAB defines eligible e-commerce transactions using Mastercard's online transaction indicator. Transaction classification is determined by FAB and the payment network.
What is the Namshi benefit?
Get 20% off eligible Namshi purchases of at least AED 300, with a maximum discount of AED 100 per order. The offer is available for up to two eligible transactions per month.
Does the FAB Rewards Indulge Card offer dining discounts?
Yes. FAB advertises discounts of up to 20% at more than 150 participating restaurants in the UAE, subject to restaurant and offer terms.
How many people can use the restaurant discount?
The dining benefit can be used for a maximum of eight people at one table, including the cardholder, subject to the participating restaurant's terms.
Does the card offer discounts on UAE attractions?
Yes. FAB currently advertises discounts of up to 20% at selected entertainment and attraction partners in the UAE. Individual partner availability and terms may change.
Does the FAB Rewards Indulge Card offer cinema discounts?
Yes. Eligible cardholders can get up to four standard 2D cinema tickets per calendar month for AED 20 each at participating Cine Royal, Star Cinemas and Reel Cinemas.
Is there a spending requirement for the AED 20 cinema tickets?
Yes. FAB requires at least AED 3,000 of card spending in a month for the cinema benefit.
Does the card include airport lounge access?
Yes. FAB advertises up to four complimentary lounge visits per year at more than 25 participating regional and international airports after meeting the applicable Mastercard transaction requirement.
Can FAB Rewards be redeemed for cashback?
Yes. FAB Rewards can be redeemed for cashback and other options including retail vouchers, dining, entertainment and participating airline miles.
Do supermarkets and fuel earn 1 FAB Reward per AED 1?
No. FAB classifies supermarkets, telecom, fuel, education, government, utilities, insurance and several other categories as selected categories that earn 0.5 FAB Rewards per AED 1.
What documents should I have ready when applying?
FAB's digital application 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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