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FAB Z Card
Get 20% cashback on eligible Netflix, Spotify, YouTube, Shahid and gaming subscriptions.
Free Careem Plus and noon One membership for one year.
Overview
The FAB Z Card combines a low monthly finance rate with entertainment, gaming, shopping and lifestyle benefits.
- Pay no annual fee in the first year.
- Get FAB's published 1.99% monthly finance rate.
- Get free Careem Plus membership for one year.
- Get free noon One membership for one year.
- Get 20% cashback on eligible Netflix, YouTube, Spotify, Shahid VIP, PlayStation and Xbox subscriptions.
- Earn FAB Rewards on eligible card spending.
- Get discounts at Virgin Megastore, UAE attractions and participating cinemas.
- Enjoy selected airport lounge and Mastercard travel benefits.
- Spend abroad without FAB foreign transaction fees, excluding scheme charges and currency conversion.
Rewards structure
Benefits
Get complimentary Careem Plus membership for one year from activation, available to eligible primary FAB Z Cardholders.
Get complimentary noon One membership for one year from activation, available to eligible primary FAB Z Cardholders.
Get 20% cashback on eligible Netflix, YouTube, Spotify, Shahid VIP, PlayStation and Xbox transactions after spending AED 3,000 in the previous calendar month. Cashback is capped at AED 50 per month across all six platforms combined.
FAB publishes a 1.99% monthly finance rate for retail purchases and cash transactions on the FAB Z Card.
Get 30% off up to AED 150 on eligible Virgin Megastore purchases of AED 500 or more, up to twice per month.
Get up to two eligible standard movie tickets per month for AED 20 each at participating Cine Royal, Star Cinemas and Reel Cinemas after meeting the AED 3,000 monthly spend requirement.
Get up to 20% off eligible tickets at participating UAE attractions including Dubai Parks and Resorts and selected entertainment destinations.
Get 20% off an eligible food or grocery delivery order each month through the applicable Mastercard promotion.
Get up to 50% off eligible Go Gamers Premium Membership through the applicable Mastercard benefit.
Spend abroad without FAB foreign transaction fees. Scheme charges and currency conversion costs may still apply.
Get complimentary access to participating airport lounges after making the applicable USD 1 card transaction, subject to Mastercard terms.
Access selected Mastercard Priceless discounts on participating hotels, car hire and travel bookings.
Earn FAB Rewards on eligible spending, with up to 1 FAB Reward per AED 1 and a monthly card-spend cap of 312,000 Rewards.
Access eligible buy now, pay later plans from 0.99% for up to 48 months. Fees and conditions apply.
Benefits, cashback, memberships, discounts and lounge access are subject to FAB, Mastercard and participating partner terms. Minimum spend requirements, monthly limits and merchant eligibility 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 Z Card?
FAB states a minimum monthly salary of AED 5,000 for the FAB Z Card.
What is the annual fee for the FAB Z Card?
There is no annual fee in the first year. The standard annual fee from the second year is AED 100 excluding VAT.
Is the FAB Z Card free for the first year?
Yes. FAB currently states that there is no annual fee for the first year.
What is the finance rate on the FAB Z Card?
FAB publishes a finance rate of 1.99% per month for the FAB Z Card.
Does the FAB Z Card include free Careem Plus?
Yes. Eligible primary cardholders can receive complimentary Careem Plus membership for one year from activation.
Does the FAB Z Card include free noon One membership?
Yes. Eligible primary cardholders can receive complimentary noon One membership for one year from activation.
Which subscriptions get 20% cashback with the FAB Z Card?
Eligible transactions on Netflix, YouTube, Spotify, Shahid VIP, PlayStation and Xbox can receive 20% cashback.
Is there a spending requirement for the streaming cashback?
Yes. You must spend at least AED 3,000 on the FAB Z Card in the previous calendar month to qualify.
What is the maximum streaming cashback per month?
Cashback is capped at AED 50 per calendar month across Netflix, YouTube, Spotify, Shahid VIP, PlayStation and Xbox combined.
How many FAB Rewards can I earn with the FAB Z Card?
You can earn 1 FAB Reward per AED 1 on eligible retail spending and 0.5 FAB Rewards per AED 1 on selected special categories.
Is there a monthly FAB Rewards cap?
Yes. FAB Rewards earned from FAB Z Card spending are capped at 312,000 Rewards per month.
Does the FAB Z Card offer cinema discounts?
Yes. Eligible cardholders can get up to two standard movie tickets per month for AED 20 each at participating Cine Royal, Star Cinemas and Reel Cinemas, subject to an AED 3,000 monthly spend requirement.
What is the Virgin Megastore benefit?
Eligible FAB Z Cardholders can get 30% off up to AED 150 on purchases of AED 500 or more at Virgin Megastore, up to twice per month. Exclusions apply.
Does the FAB Z Card charge a foreign transaction fee?
FAB states that the card has no FAB foreign transaction fee when spending abroad. Scheme charges and currency conversion may still apply.
Does the FAB Z Card include airport lounge access?
Yes. FAB advertises complimentary participating airport lounge access after making the applicable USD 1 card transaction, subject to Mastercard conditions.
Does the FAB Z Card offer instalment plans?
Yes. FAB advertises eligible buy now, pay later plans from 0.99% for terms of up to 48 months. Fees and conditions apply.
What is the minimum monthly payment on the FAB Z Card?
FAB's current fee schedule states a minimum monthly payment of 5% of the outstanding balance or AED 100, whichever is higher.
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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