FAB Elite Credit Card
A premium FAB credit card earning up to 20 points/AED on shopping and 10 points/AED on groceries.
AED 1,260.00
Up to 20 pts/AED
AED 40,000
3.76%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 40,000+ monthly and spend heavily on shopping and groceries.
Not ideal if
Your spending is mainly on dining, travel, or fuel rather than retail.
Watch out for
AED 1,260 annual fee is not waivable, requiring high spend to offset.
Calculate This Card’s Value
Earning Rates
20 pts/AED
Cap: Up to AED 200,000/mo
10 pts/AED
5 pts/AED
0.5 pts/AED
0.5 pts/AED
0.5 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
20 points/AED on shopping with a generous AED 200,000 monthly cap.
10 points/AED on groceries with no cap.
Extensive lifestyle perks including beach club, gym, padel, and lounge access.
Watch out for
AED 1,260 annual fee with no waiver option.
AED 40,000 minimum monthly salary restricts eligibility.
Utilities and education earn only 0.5 points/AED, far below other categories.
Fees & Conditions
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Frequently Asked Questions
Is the AED 1,260 annual fee worth it?
It depends on your shopping and grocery spend. If you regularly spend on shopping and groceries, the 20 points/AED and 10 points/AED rates can offset the fee. The lifestyle perks, including beach club, gym, and lounge access, add value if you use them frequently.
What is the minimum salary to apply for the FAB Elite Credit Card?
You need a minimum monthly salary of AED 40,000 to be eligible for this card.
Does this card earn points on school or university fees?
Yes, but education spends earn only 0.5 points/AED, which is much lower than the shopping and grocery rates.
Can I use this card abroad?
Yes, but the 3.76% foreign exchange markup applies to all international transactions, which will reduce the net value of your points on overseas spending.
Is there a cap on shopping rewards?
Yes, shopping earns 20 points/AED up to AED 200,000 per month. Beyond that, the rate drops to the baseline 5 points/AED for all other spends.