Bustan بستان
FAB Emirati Islamic Credit Card card
First Abu Dhabi Bank

FAB Emirati Islamic Credit Card

Mastercard Other Islamic — profit rate, not interest Verified 8 Sep 2026

Fees and eligibility, as published

Annual fee
AED 630 a year Shariah-compliant Islamic card. Annual fee of 600 AED can be waived with a monthly spend target of 10,000 AED (as stated for valet parking and gym benefits). Card rewards earn FAB Islamic Rewards points based on spending categories; no interest terminology applies per Islamic banking principles.
Annual fee waived at
AED 120,000 spend
Minimum monthly salary
AED 15,000
Profit rate
Not published

12 verified benefits

Quoted from First Abu Dhabi Bank's published terms. Anything we could not match to the issuer's own words is not listed.

Airport lounge 1 benefit

Free airport lounge access worldwide

Verified 8 Sep 2026

Cardholders get free access to over 1,200 airport lounges in more than 450 cities worldwide, with guest access available 6 times a year.

How often
Always on
How to use it
Applied automatically — Present card at participating lounges for entry; guest access permitted up to 6 times per year.
Caps and limits
Bring along a guest 6 times a year.
Where
International
“Get free access to over 1,200 airport lounges in more than 450 cities worldwide.”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Airport transfer 1 benefit

2 free airport transfers per year with Careem

Verified 8 Sep 2026

Cardholders who register their card on the Careem app receive 2 free airport transfers per year using a promo code, excluding Hala Taxi.

How often
2 uses a year
How to use it
Redeem in a partner app — Register your credit card on the Careem app to get 2 free airport transfers per year using a promo code.
Caps and limits
Does not include Hala Taxi.
Exclusions
Hala Taxi excluded.
Where
All emirates
“Register your credit card on the Careem app to get 2 free airport transfers per year using a promo code.”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Cashback 3 benefits

10 FAB Islamic Rewards per AED1 on international spending

Verified 8 Sep 2026

Cardholders earn 10 FAB Islamic Rewards points for every AED1 spent abroad or in selected non-UAE currencies.

How often
Always on
How to use it
Applied automatically — Points accrue automatically on eligible international purchases and can be redeemed via the FAB Mobile app.
Caps and limits
FAB Islamic Rewards earning is capped at 500,000 FAB Islamic Rewards per month across all categories.
Where
International
“Get 10 FAB Islamic Rewards on international spending”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

15 FAB Islamic Rewards per AED1 on beauty and fragrance spending

Verified 8 Sep 2026

Cardholders earn 15 FAB Islamic Rewards points for every AED1 spent at beauty and fragrance stores.

How often
Always on
How to use it
Applied automatically — Points accrue automatically on eligible beauty/fragrance purchases and can be redeemed via the FAB Mobile app.
Caps and limits
FAB Islamic Rewards earning is capped at 500,000 FAB Islamic Rewards per month across all categories.
Where
All emirates
“Get 15 FAB Islamic Rewards at beauty and fragrance store shopping”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

5 FAB Islamic Rewards per AED1 on other spending

Verified 8 Sep 2026

Cardholders earn 5 FAB Islamic Rewards points for every AED1 spent on other eligible purchases in the UAE.

How often
Always on
How to use it
Applied automatically — Points accrue automatically on eligible purchases and can be redeemed via the FAB Mobile app.
Caps and limits
FAB Islamic Rewards earning is capped at 500,000 FAB Islamic Rewards per month across all categories.
Where
All emirates
“Get 5 FAB Islamic Rewards on all your other spending”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Dining 2 benefits

International halal dining discounts

Verified 8 Sep 2026

Cardholders can find international halal restaurants while traveling and receive discounts via a voucher on their credit card.

How often
Always on
How to use it
Voucher code — Visit www.halaldining-program.com/mastercard to find restaurants and get discounts via a voucher.
Where
International
“Find international halal restaurants wherever you travel and enjoy discounts with your credit card.”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Up to 20% dining discount at 150+ Emirati preferred restaurants

Verified 8 Sep 2026

Cardholders and up to 7 guests receive up to 20% discount at over 150 partner dining outlets across the UAE.

How often
Always on
How to use it
Triggered by paying with the card — Pay with the card at participating restaurants to receive the discount for you and up to 7 guests.
Caps and limits
Discount applies for cardholder and up to 7 friends.
Where
All emirates
“Get up to 20% discount at over 150+ Emirati preferred restaurants”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Hotel 1 benefit

Up to 20% hotel discount on Halalbooking.com

Verified 8 Sep 2026

Cardholders enjoy hotel discounts of up to 20% on Halalbooking.com with automatic enrollment to Diamond level and its privileges.

How often
Always on
How to use it
Redeem on a website — Visit www.halalbooking.com/mastercard to enroll and receive your benefits.
Where
International
“Enjoy hotel discounts of up to 20% at halalbooking.com with automatic enrollment to Diamond level and Diamond level privileges.”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Online shopping 1 benefit

25% off online shopping at AIVI.com

Verified 8 Sep 2026

Cardholders receive a 25% discount when shopping online at AIVI.com or via the AIVI app.

How often
Always on
How to use it
Triggered by paying with the card — Shop on the AIVI app or AIVI.com and pay with the card to receive the discount.
Where
All emirates
“Get 25% off when shopping online at AIVI.com”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Other 1 benefit

Up to 30% discount on top UAE attractions

Verified 8 Sep 2026

Cardholders receive an unlimited discount of up to 30% at leading UAE attractions such as Wild Wadi, The Green Planet, and Dubai Parks and Resorts.

How often
Always on
How to use it
Triggered by paying with the card — Pay with the card at participating attractions to receive discount automatically.
Caps and limits
Unlimited discount usage stated in source.
Where
All emirates
“Get up to 30% off top attractions in the UAE”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Spa & fitness 1 benefit

Free access to gyms and padel courts

Verified 8 Sep 2026

Cardholders enjoy free access to gyms and padel courts across the UAE, subject to a monthly spend target.

How often
Always on
How to use it
Applied automatically — Present card at participating gyms and padel venues; access granted automatically once monthly spend target is met.
Caps and limits
Benefit subject to a monthly spend target of 10,000.
Where
All emirates
“Stay active with free access to gyms and padel across the UAE including UFC gyms, Champs, Just Padel and many more.”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Valet parking 1 benefit

Free valet parking 5 times a month

Verified 8 Sep 2026

Cardholders get up to 5 free valet parking services per month at major UAE malls, subject to a monthly spend target.

How often
5 uses a month
How to use it
Applied automatically — Use valet service at participating UAE malls; free service applied automatically up to 5 times per month.
Caps and limits
Subject to a monthly spend target of 10,000.
Where
All emirates
“Free valet parking 5 times a month across the UAE, including Dubai Mall, Mall of the Emirates Yas Mall, Al Qana and many more locations”

Source: https://www.bankfab.com/en-ae/islamic-banking/personal-islamic-banking/islamic-cards/fab-rewards-emirati-islamic-credit-card · Last checked 8 Sep 2026

Where this card sits

Questions

What is the annual fee on the FAB Emirati Islamic Credit Card?

The FAB Emirati Islamic Credit Card has a published annual fee of AED 630. Shariah-compliant Islamic card. Annual fee of 600 AED can be waived with a monthly spend target of 10,000 AED (as stated for valet parking and gym benefits). Card rewards earn FAB Islamic Rewards points based on spending categories; no interest terminology applies per Islamic banking principles.

Can the FAB Emirati Islamic Credit Card annual fee be waived?

First Abu Dhabi Bank publishes a spend threshold of AED 120,000 for waiving the annual fee on the FAB Emirati Islamic Credit Card. Check the issuer's terms for the exact card year it is measured over.

What salary does the FAB Emirati Islamic Credit Card require?

First Abu Dhabi Bank publishes a minimum monthly salary of AED 15,000 for the FAB Emirati Islamic Credit Card.

What benefits does the FAB Emirati Islamic Credit Card include?

The FAB Emirati Islamic Credit Card carries 12 verified benefits across 9 categories: Airport lounge, Airport transfer, Cashback, Dining, Hotel, Online shopping, Other, Spa & fitness, Valet parking. Each is quoted from First Abu Dhabi Bank's own published terms on this page.

How current is this page?

Every benefit here carries the date it was last read from the issuer's published terms. This page is last verified 8 Sep 2026. Anything we could not verify against the issuer's own words is not shown at all.

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Every benefit on this page is quoted from the issuer's own published terms and links back to the page it was read from, with the date it was last checked. Bustan is not affiliated with any bank. Issuers and rights holders who want a quotation corrected or removed can write to support@getbustan.com and we will act on it. Published by Jasmine Entertainment FZE.