FAB GEMS World Credit Card

Complimentary access to over 1,000 lounges worldwide for the cardholder and a guest, up to 8 times a year, activated by spending USD 1 on the card.

How often

8 uses a year

How to use it

Triggered by paying with the card — Spend USD 1 on the card to activate access, then present at participating lounges.

Caps and limits

Up to 8 times a year for cardholder and a guest; requires USD 1 spend on the card.

Where

International, All emirates

“Enjoy complimentary lounge access to over 1,000 lounges worldwide for you and a guest up to 8 times a year, when you spend USD 1 on your card.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

The AED 399 annual fee is waived if the cardholder spends AED 24,000 or more on non-educational spending in the previous year.

How often

Yearly

How to use it

Applied automatically — Spend AED 24,000 or more on non-educational purchases in the previous year; the fee waiver is applied automatically.

Caps and limits

Requires AED 24,000+ non-educational spend in the previous year.

Exclusions

Educational spending does not count towards the AED 24,000 threshold.

Where

All emirates

“Enjoy no annual fee if you spend AED 24,000 or more on non-educational spending in the previous year.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

Up to 1% cashback on daily domestic spending and up to 2% cashback on international/travel spending.

How often

Always on

How to use it

Applied automatically — Cashback accrues automatically on eligible card spend.

Caps and limits

Stated as 'up to' 1% domestic and 'up to' 2% international.

Where

All emirates, International

“Keep on saving with 2% cashback on international spending and 1% on domestic spending.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

Cardholders receive 40% off deluxe cinema tickets at Cinepolis.

How often

2 uses a month

How to use it

Triggered by paying with the card — Pay for deluxe tickets at Cinepolis with the card to receive 40% off.

Exclusions

Applies to deluxe cinema tickets at Cinepolis.

Where

All emirates

“Get two discounted cinema tickets every month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas plus 40% off deluxe cinema tickets at Cinepolis.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

Two discounted cinema tickets every month at AED 20 each at Reel Cinemas, Cine Royal and Star Cinemas.

How often

2 uses a month

How to use it

Triggered by paying with the card — Book tickets at Reel Cinemas, Cine Royal or Star Cinemas paying with the card at the discounted AED 20 rate.

Caps and limits

Two discounted tickets per month.

Where

All emirates

“Get two discounted cinema tickets every month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas plus 40% off deluxe cinema tickets at Cinepolis.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

10% cashback on school related costs such as bus fees, canteen, uniforms and extracurricular activities, as well as non-school activities. Cashback is credited as FAB Rewards.

How often

Always on

How to use it

Triggered by paying with the card — Pay for school-related expenses with the card; cashback is added as FAB Rewards to the account.

Where

All emirates

“You can get another 10% cashback on school related costs like bus fees, canteen, uniforms and extracurricular activities. Cashback earned will be added as FAB Rewards to your account.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

Education protection coverage of up to AED 500,000 for each child, as described in the 'GEMS World Credit Cardholders - Child Protection' document.

How often

Always on

How to use it

Applied automatically — Coverage attaches to the card; refer to the 'GEMS World Credit Cardholders - Child Protection' terms.

Caps and limits

Up to AED 500,000 for each child.

Where

All emirates

“Feel secure with education protection coverage of up to AED 500,000 for each child.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

Convert GEMS school fee payments into a 0% Easy Payment Plan for up to 12 months with no processing fee.

How often

Always on

How to use it

Triggered by paying with the card — Pay GEMS school fees on the card and convert to the 0% Easy Payment Plan.

Caps and limits

Up to 12 months tenor.

Where

All emirates

“You’ll be able to take advantage of 0% EPP for up to 12 months on GEMS fees with no processing fee.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

20% discount at Emaar attractions / Emaar entertainment venues for the whole family.

How often

Always on

How to use it

Triggered by paying with the card — Pay at Emaar entertainment attractions with the card to receive 20% off.

Where

Dubai

“Have fun with the whole family with 20% off at Emaar entertainment.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026

30% discount on general admission tickets at IMG Worlds of Adventure.

How often

Always on

How to use it

Triggered by paying with the card — Purchase general admission tickets at IMG Worlds with the card to receive 30% off.

Caps and limits

Applies to general admission tickets.

Where

Dubai

“Make the weekends more enjoyable with 30% off general admission tickets at IMG Worlds.”

Source: https://www.bankfab.com/en-ae/personal/credit-cards/gems-world · Last checked 24 Aug 2026