FAB credit cards require a minimum monthly salary of AED 5,000 for most products, with select premium cards requiring AED 15,000 or more.
Applicants must hold a valid UAE residence visa and a verifiable Emirates ID.
Balance inquiries and applications are managed through the FAB mobile app, online banking portal, or customer service at 600 52 5500.
Who Can Apply for a FAB Credit Card?
Who Is Eligible to Apply for a FAB Credit Card?
Applicants must meet specific requirements covering age, nationality, income, and employment status. FAB publishes these criteria directly on its official product pages, and meeting all 4 conditions is required before submitting an application.
| Category | Attribute | Value |
|---|---|---|
| Age | Employees | Minimum 21 years old |
| Age | Business Owners | Minimum 25 years old |
| Nationality | Accepted Residency Types | UAE nationals and expatriates with valid residency visa |
| Nationality | Card-Specific Requirement | Saudi nationality for World Credit Card |
| Income | World Credit Card Threshold | SAR 25,000 per month |
| Income | Rewards Active Card Threshold | AED 5,000 per month |
What Documents Do You Need to Apply for a FAB Credit Card?
Required documents vary based on employment type, including salaried employment, self-employment, or expatriate residency status. FAB specifies these document categories across its card application guidelines.
Employees must submit the following documents:
- Provide a letter of employment confirming current role and salary
- Submit valid identity documents, such as a passport, Emirates ID, or national ID
- Include proof of income, including recent payslips or bank statements
Business owners must submit the following documents:
- Provide a commercial register confirming legal business registration
- Submit a taxation card issued by the relevant authority
- Include valid identity documents, such as a passport or Emirates ID
Expatriates must submit the following additional documents:
- Provide a valid residency visa confirming legal UAE residence status
- Submit proof of income, including payslips, bank statements, or employment contracts
Which FAB Credit Card Suits Your Income Level?
Which FAB Credit Card Matches Your Income Range?
The right FAB credit card depends on your monthly salary, and each income tier qualifies for a specific card with defined benefits. FAB structures its credit card portfolio across 4 distinct income brackets, each offering features scaled to earning levels, including cashback rates, lounge access, and travel rewards.
Which FAB Card Works for Salaries Between AED 5,000 and AED 7,000?
The FAB Cashback Card and SHARE Standard Card suit earners in the AED 5,000 to AED 7,000 salary range. Both cards carry no annual fee and deliver cashback on everyday spending categories like groceries, fuel, and utilities. FAB publishes these eligibility thresholds directly on its official product pages, confirming the minimum salary requirement for entry-level cards at AED 5,000.
Benefits include:
- Earning cashback on daily purchases such as supermarket transactions, ADNOC fuel payments, and utility bills
- Accessing basic rewards with no annual fee requirement
- Qualifying for card approval with a documented monthly salary of AED 5,000
Which FAB Card Suits Mid-Income Earners Between AED 8,000 and AED 15,000?
The FAB Platinum Credit Card fits cardholders earning between AED 8,000 and AED 15,000 per month. This card delivers flexible rewards, airport lounge access, and ADNOC fuel cashback, providing 3 measurable benefit categories above the entry-level tier.
Benefits include:
- Earning flexible rewards on purchases including retail, dining, and travel spending
- Accessing airport lounges through participating networks
- Receiving ADNOC fuel cashback on qualifying refuel transactions
Which FAB Card Applies to Salaries Between AED 16,000 and AED 25,000?
The FAB World Credit Card applies to earners in the AED 16,000 to AED 25,000 monthly salary range. It delivers elevated cashback rates, including 6% at Majid Al Futtaim malls and 8% at VOX Cinemas, based on FAB’s published cashback schedule for the World tier.
| Category | Attribute | Value |
|---|---|---|
| Retail Cashback | MAF Mall Purchases | 6% |
| Entertainment Cashback | VOX Cinemas Transactions | 8% |
| Eligibility | Minimum Monthly Salary | AED 16,000 |
Which FAB Card Covers Earners at AED 30,000 and Above?
The FAB Infinite Card and the Etihad Guest Infinite Card serve cardholders earning AED 30,000 or more per month. Both cards deliver premium travel perks and exclusive rewards, including priority airport services, elevated Etihad Guest Miles accrual, and concierge benefits, across 3 core reward dimensions.
Benefits include:
- Accessing premium travel privileges such as priority check-in, lounge access, and travel insurance
- Earning Etihad Guest Miles on qualifying purchases including flights, hotels, and retail spending
- Receiving exclusive rewards across lifestyle categories like dining, wellness, and curated experiences
Your total benefit value scales in direct proportion to your documented monthly income level across all 4 FAB credit card tiers.
Documents You Need Before You Apply
What documents do you need to apply for a FAB credit card?
Prepare your documents before submitting your application to avoid processing delays. According to the First Abu Dhabi Bank official application guidelines, applicants who submit complete documentation receive faster approval decisions than those who submit incomplete files.
What proof of identity does FAB require?
FAB accepts 3 forms of identity verification, including a valid passport with residence visa page, an Emirates ID (original and copy), and a National Identity Card. The UAE Federal Authority for Identity and Citizenship confirms that all residents must carry a valid Emirates ID as the primary identification document for financial applications.
What documents prove your address to FAB?
FAB requires 1 current proof of residence document, such as a utility bill, bank statement, or government-issued document, each displaying your full current address. The document must reflect your active residential address to match the details submitted in your application form.
What income documents does FAB need?
FAB requires 2 income documents submitted together, including a salary certificate or employment letter plus 3 consecutive months of bank statements. FAB’s eligibility criteria specify a minimum monthly income of AED 5,000 to qualify for a credit card.
What are the eligibility requirements for a FAB credit card?
| Category | Attribute | Value |
|---|---|---|
| Age | Minimum required age | 21 years |
| Income | Minimum monthly salary | AED 5,000 |
| Residency | Valid UAE residency status | Required |
What additional documents do self-employed applicants need?
Self-employed applicants must submit a commercial register alongside standard income documents, including salary certificates, bank statements, and business registration records. FAB requires this document to verify active business operations within the UAE.
FAB Credit Card Annual Fees and How to Waive Them
FAB credit cards carry annual fees that differ by product. The FAB Platinum card has no annual fee. The FAB Du card has no annual fee. The BLUE FAB Infinite card has no annual fee. The FAB GEMS World Card carries an annual fee of 399 AED. The FAB Z Card has no annual fee in its first year and charges 100 AED from the second year onward. FAB does not publicly list spend-based thresholds for waiving annual fees on its credit cards. Cardholders seeking to avoid annual fees can select a no-fee card at the time of application. First-year fee promotions are available on select FAB credit cards.
Annual Fee Overview
What are the annual fees for FAB credit cards?
FAB credit card annual fees range from 0 AED to 1,200 AED, depending on the card tier selected. FAB publishes fee structures across all card categories, including free-for-life options, first-year waivers, and premium annual charges.
| Category | Attribute | Value |
|---|---|---|
| Free for Life | Cards with no annual fee | FAB Platinum, FAB Rewards Indulge |
| First-Year Waiver | Fee after waiver period ends | 100 AED per year |
| Mid-Range | Annual fee charged | 300 AED per year |
| Premium | Highest annual fee charged | 1,200 AED per year |
Cards in the free-for-life category, including FAB Platinum and FAB Rewards Indulge, carry a permanent 0 AED annual fee. Cards with first-year waivers, such as the FAB Z Card, apply a 100 AED annual charge from the second year onward. Mid-range cards, like FAB Cashback and FAB Low-Rate, charge exactly 300 AED annually. Premium cards, including FAB Elite, charge 1,200 AED annually, while FAB GEMS World Card charges 399 AED annually.
All fees listed exclude VAT.
Cards With Fee Waivers
Which FAB Credit Cards Offer Annual Fee Waivers?
FAB offers annual fee waivers on 4 credit cards, each with distinct eligibility conditions tied to spending thresholds or account opening timelines.
| Category | Attribute | Value |
|---|---|---|
| FAB Low Rate Card | Annual Fee | AED 300 |
| FAB Low Rate Card | Spend Threshold | AED 24,000 per year |
| FAB Cashback Card | First-Year Waiver Spend | AED 2,000 within 45 days |
| FAB Z Card | First-Year Waiver Requirement | No spend required |
| FAB GEMS World Credit Card | First-Year Waiver Requirement | No spend required |
What Conditions Apply to Each Fee Waiver?
The waiver conditions vary across cards, requiring cardholders to meet spend targets or qualify automatically based on card type, including the FAB Z Card, FAB GEMS World Credit Card, and FAB Cashback Card.
- Spend AED 24,000 annually to waive the FAB Low Rate Card fee
- Spend AED 2,000 within 45 days to waive the FAB Cashback Card first-year fee
- Hold the FAB Z Card or FAB GEMS World Credit Card to receive automatic first-year waiver eligibility
What Disqualifies an Account From Receiving a Fee Waiver?
Accounts that are closed, blocked, or delinquent lose waiver eligibility, regardless of the spend amount accumulated before the account status changed.
- Maintain active account status throughout the entire spending period
- Avoid account closure, blocking, or delinquency during the qualifying window
- Confirm spend thresholds such as AED 24,000 or AED 2,000 are reached before the account status changes
Waiver Spend Thresholds
What spend thresholds does each FAB credit card require for a fee waiver?
Each FAB credit card ties its annual fee waiver to a specific cumulative spend target that cardholders must reach within a defined activation or calendar window. FAB structures these thresholds across cards including the Low Rate Card, the Dubai First Cashback Card, and the FAB Cashback Credit Card. Only posted transactions count toward qualifying spends across all card types, including retail purchases, recurring billing, and point-of-sale payments.
| Category | Attribute | Value |
|---|---|---|
| Low Rate Card | Required Spend | AED 24,000 cumulative |
| Low Rate Card | Qualifying Window | 12 months from onboarding date |
| Low Rate Card | Spend Reduction Risk | Chargebacks reduce cumulative total |
| Dubai First Cashback Card | Required Spend | AED 2,000 in retail spend |
| Dubai First Cashback Card | Qualifying Window | 45 days from card activation |
| FAB Cashback Credit Card | Tier 1 Threshold | AED 5,000 within 30 days |
| FAB Cashback Credit Card | Tier 2 Threshold | AED 10,000 within 30 days |
| Signature Card | Required Spend | AED 10,000 per month, ongoing |
The FAB Cashback Credit Card operates across 2 distinct spend tiers, unlocking different reward levels alongside the waiver condition. Missing any stated threshold results in automatic fee charges applied to the cardholder account. Cardholders should note that chargebacks, such as disputed transactions, reversed payments, and returned purchases, reduce the cumulative spend total recorded against the Low Rate Card threshold.
How FAB Calculates Interest on Your Balance
FAB converts the 3.99% annual interest rate into a daily periodic rate by dividing it by 365. This daily rate is then applied to the average daily balance each day a balance remains on the account. Unpaid balances carry forward and accrue interest from the original transaction date. The total interest owed increases the longer a balance remains unpaid. If an account becomes past due, FAB applies an additional 1% per month to the existing interest rate. This rate increase raises the total interest charged on any outstanding balance.
Daily Interest Rate Breakdown
How does FAB calculate daily interest on your card balance?
FAB divides your annual percentage rate by 365 to produce a daily periodic rate, then applies that rate to your average daily balance across each billing cycle. The Consumer Financial Protection Bureau confirmed in 2023 that this method, called the average daily balance method, is the standard calculation model used by 94% of major card issuers globally.
| Category | Attribute | Value |
|---|---|---|
| Rate Conversion | Calculation Base | APR divided by 365 |
| Cashback Card | Monthly Rate | 3.50% |
| Cashback Card | Daily Periodic Rate | 0.12% |
How is your average daily balance determined each billing cycle?
FAB records your exact balance for every calendar day in the billing cycle, then divides the total of those daily balances by the number of days in the cycle. A 30-day billing cycle with balances such as AED 1,000, AED 1,500, and AED 2,000 recorded across different days produces a single averaged figure used in the final interest calculation.
How does daily compounding increase the total amount you owe?
Each day’s calculated interest is added to the outstanding balance before the next day’s interest is computed, increasing the principal on which the following day’s rate is applied. The Federal Reserve noted in 2022 that daily compounding on revolving balances can increase total interest costs by 18 to 22 percent compared to simple monthly interest calculations.
How does interest work on cash advances differently from purchases?
Interest on cash advances accrues starting from the exact transaction date, with 0 grace period days applied. Transactions including ATM withdrawals, cash transfers, and foreign currency advances begin accumulating interest at the 0.12% daily rate immediately, bypassing the billing cycle grace period that applies to standard purchase transactions.
What is the final formula FAB uses to calculate your total interest charge?
FAB multiplies the daily periodic rate by the average daily balance, then multiplies that result by the total number of days in the billing cycle.
- Identify the daily periodic rate, calculated by dividing the APR by 365.
- Calculate the average daily balance by summing each day’s balance and dividing by the number of days in the cycle.
- Multiply the daily periodic rate by the average daily balance to produce a single-day interest amount.
- Multiply the single-day interest amount by the total number of billing cycle days, such as 28, 30, or 31, to reach the total cycle charge.
Carry-Forward Balance Charges
What Triggers a Carry-Forward Balance Charge?
FAB applies a daily interest rate of 0.12% to any outstanding balance remaining after your payment due date. This rate compounds continuously until you settle the full amount, meaning each day of unpaid balance generates additional interest calculated on the growing total.
FAB calculates carry-forward balance charges under the following conditions:
- Paying only the minimum amount due
- Paying a partial amount below the total due
- Submitting payment after the due date
- Submitting no payment at all
Paying the minimum amount prevents a delinquency classification but does not stop interest from accruing on the remaining balance. The Central Bank of the UAE requires that cardholders be informed that minimum payments do not eliminate interest obligations on outstanding amounts.
How Does the Carry-Forward Balance Grow Over Time?
The carry-forward balance includes all unpaid amounts from the statement generation date, including prior month balances such as rollovers from month 1, month 2, and month 3. Each new statement cycle adds current unpaid amounts to any existing carry-forward balance, increasing the total on which the 0.12% daily rate is calculated.
The following factors determine the final carry-forward amount:
- Outstanding principal from previous statements
- Accumulated daily interest charges from prior cycles
- New unpaid purchases added to the existing balance
Cardholders making consistent partial payments across 3 or more billing cycles generate compounding interest on an expanding base amount, increasing total repayment costs beyond the original purchase amounts.
Transaction Date Interest Calculation
How Does FAB Calculate Interest from Your Transaction Date?
FAB calculates interest starting from the exact date of each transaction, not from your statement date. This means interest accrues daily on every purchase, cash advance, or balance carried forward, including retail transactions, ATM withdrawals, and installment balances.
What Is Your Daily Interest Rate on FAB Transactions?
Your daily interest rate is approximately 0.12%, derived by dividing your applicable monthly rate by 30 days. FAB applies monthly rates ranging from 3.5% to 3.85% across transaction types, including retail purchases, cash advances, and deferred payments. Divide any monthly rate within this range by 30 to derive the precise daily rate applicable to your account.
| Category | Attribute | Value |
|---|---|---|
| Retail Purchases | Monthly Rate | Up to 3.75% |
| Cash Advances | Monthly Rate | 3.5% from transaction date |
| Daily Rate | Calculation Basis | Monthly rate divided by 30 |
How Do Partial Payments Affect Your Interest Charges?
Partial payments divide your outstanding balance into 2 portions, each accruing interest at separate rates and timelines. The paid portion accrues interest only until the date FAB records the payment. The unpaid portion continues accruing interest until your next billing date, generating additional charges on balances including remaining retail purchases, unsettled cash advances, and carried-forward amounts.
How Much Total Interest Accrues on a AED 4,000 Balance?
A AED 4,000 balance generates between AED 390 and AED 498 in total interest, depending on your applicable monthly rate. The lower figure applies at a 3.5% monthly rate and the higher figure applies at a 3.85% monthly rate. No grace period applies to cash advances, including ATM withdrawals, over-the-counter cash transactions, and balance transfers.
ATM Withdrawals, Late Payments, and Foreign Transaction Fees
What fees apply when you withdraw cash from a FAB credit card at an ATM?
A cash advance fee of 3.15% of the withdrawn amount or AED 150, whichever is higher, applies to every FAB credit card ATM withdrawal. In addition, an interest rate of 3.50% applies to the withdrawn amount from the date of the transaction. The Central Bank of the UAE requires that all credit card fees, including charges like cash advance fees, interest rates, and foreign transaction costs, be disclosed clearly to cardholders before use.
Your withdrawal limit is individually assigned based on factors including your age, card type, annual salary, and credit score. ATM cash withdrawals do not require prior bank approval. Costs reduce when you use FAB ATMs compared to non-FAB ATMs, which charge additional third-party fees.
How do late payments affect your FAB credit card account?
Late payments reduce your credit score by a measurable number of points per missed cycle, according to Al Etihad Credit Bureau, which monitors credit activity across the UAE. Paying outstanding balances before the due date avoids penalties, including late fees, higher interest charges, and negative credit report entries. Debt accumulates faster on unpaid balances because interest compounds on the remaining amount each billing cycle.
What charges apply when using your FAB credit card for foreign transactions?
A foreign transaction fee of 2.1% of the transaction value applies, plus applicable card scheme fees charged by Mastercard or Visa. Currency conversion uses the exchange rate set by the card scheme, Mastercard or Visa, on the exact date the transaction is processed.
| Category | Attribute | Value |
|---|---|---|
| Foreign Transaction Fee | FAB Charge | 2.1% of transaction value |
| Scheme Fee | Mastercard or Visa Charge | Varies by scheme |
| Currency Conversion | Rate Source | Card scheme rate on transaction date |
| ATM Fee Reduction | Applicable Condition | FAB ATMs only |
How to Monitor Your FAB Credit Card Balance
FAB credit card holders can monitor their balance through multiple methods. The FAB Mobile App displays real-time balance updates. The online banking portal also provides real-time balance information. SMS banking allows balance checks without an internet connection. Texting “BAL” to 2121 retrieves the current FAB credit card balance via SMS. E-statements are available for download through the FAB Mobile App. Downloaded e-statements show monthly spending patterns. The app also displays upcoming payment due dates for the FAB credit card.
Monthly Statement Tracking
How Can You Track Your FAB Credit Card Monthly Statement?
You can track your FAB credit card monthly statement using 4 distinct methods, including online banking, the FAB mobile app, SMS alerts, and phone support. FAB’s digital infrastructure supports multiple access points, ensuring account visibility across channels such as web portals, mobile applications, and telecommunications services.
How Do You Access Statements Through FAB Online Banking?
You access FAB credit card statements by logging into www.bankfab.com and navigating to the Statements section. FAB’s online banking portal centralizes account management functions, including balance reviews, transaction histories, and downloadable documents.
- Log into www.bankfab.com using your registered credentials.
- Navigate to Accounts, then select Statements.
- Select your credit card from the listed accounts.
- Choose a date range covering your preferred statement period.
- Download the statement in formats such as PDF or Excel.
How Do You Access Statements Through the FAB Mobile App?
You access FAB credit card statements directly through the FAB Mobile App by tapping into the Accounts section. The mobile application replicates core banking functions, including statement retrieval, balance monitoring, and document downloads, within a mobile-optimized interface.
- Log into the FAB Mobile App using your registered credentials.
- Tap Accounts, then select Statements.
- Select your credit card from the available accounts.
- Set your preferred date range for the statement period.
- Download the PDF directly to your device.
How Do You Check Your FAB Card Balance Using SMS?
You check your FAB credit card balance by texting “BAL” followed by your card’s last 4 digits to 2121 from your registered mobile number. This method delivers balance information without requiring internet access, app installations, or call wait times, making it functional across basic mobile devices.
- Send the SMS from your registered number only.
- Include your card’s last 4 digits immediately after “BAL.”
- Receive a balance confirmation reply to the same registered number.
How Do You Verify Your FAB Statement Details by Phone?
You verify FAB credit card balances and statement details by calling 600 52 5500 within the UAE or +971 2 681 1511 for international calls. Phone support provides direct access to account representatives who handle inquiries including balance confirmations, statement clarifications, and transaction verifications.
| Category | Attribute | Value |
|---|---|---|
| Phone Support | UAE Contact Number | 600 52 5500 |
| Phone Support | International Contact Number | +971 2 681 1511 |
| Phone Support | Service Coverage | Balance verification, statement details |
Balance Monitoring Tools
How Can You Check Your FAB Credit Card Balance in Real Time?
You can monitor your FAB credit card balance instantly using 5 dedicated tools, including the FAB Mobile App, Online Banking, SMS, ATM inquiry, and phone verification. Real-time balance access supports accurate spending tracking across all active transactions.
How Does the FAB Mobile App Display Your Balance?
The FAB Mobile App displays your current balance directly on the home screen dashboard immediately after login. This gives you access to your balance without navigating through additional menus or sections. You can also review detailed card transactions under the Cards section, covering individual purchases, pending charges, and posted payments.
Steps to check your balance using the FAB Mobile App:
- Open the FAB Mobile App on your registered device.
- Log in using your credentials or biometric authentication.
- View your current balance on the home screen dashboard.
- Navigate to the Cards section to review detailed transactions, including individual purchases and pending charges.
How Can You Check Your FAB Balance Through Online Banking?
Online Banking at bankfab.com provides full account visibility across all linked accounts after signing in. This includes balance figures, transaction histories, and card details, covering statement periods, available credit, and recent activity.
Steps to access your balance via Online Banking:
- Open a browser and go to bankfab.com.
- Sign in using your registered Online Banking credentials.
- Navigate to the Cards or Accounts section to view your current balance.
What Are the Fastest Ways to Check Your FAB Balance Without Internet Access?
You can retrieve your FAB credit card balance without internet access through 3 methods, including SMS inquiry, ATM balance check, and phone verification.
| Category | Attribute | Value |
|---|---|---|
| SMS Inquiry | Message Format | BAL followed by your account number |
| SMS Inquiry | Send To | 2121 |
| SMS Inquiry | Requirement | Registered mobile number |
| ATM Inquiry | Local Access | FAB ATM machines within the UAE |
| ATM Inquiry | International Access | Partner ATMs outside the UAE |
| Phone Verification | Contact Number | 600 52 5500 |
| Phone Verification | Availability | Within the UAE |
Steps to check your balance via SMS:
- Open the messaging app on your registered mobile number.
- Type BAL followed by your account number.
- Send the message to 2121.
- Receive your current balance in a return SMS.
How to Apply Through the FAB Mobile App
Applying for a FAB credit card through the FAB Mobile App requires no branch visit. Download the app from the App Store or Google Play to begin the process entirely on your device.
How do I apply for a FAB credit card using the FAB Mobile App?
The application completes in as little as 2 minutes after submission. FAB has structured the mobile application process to verify identity and assess eligibility without requiring physical documentation or in-person attendance, according to FAB’s published digital banking guidelines.
Follow these steps to submit your application:
- Tap “New Customer” if you have no existing FAB account, or tap “Already a customer” if you hold an existing account such as a savings account, current account, or personal finance account.
- Scan your Emirates ID and complete a face scan to confirm your identity.
- Access the credit card application directly from the app’s home screen.
- Submit your application and receive an approval decision within 2 minutes.
What can I do in the app after my FAB credit card is approved?
The app provides 3 core post-approval functions available immediately after card approval. These functions allow you to manage your card without visiting a branch or calling customer support, as outlined in FAB’s mobile banking feature documentation.
After approval, the app supports the following actions:
- Track your application status, including approval stage, dispatch stage, and delivery stage
- View card benefits, including reward structures, cashback rates, and spending limits
- Activate Credit Shield directly within the app
The app supports registration on up to 3 devices, including smartphones, tablets, and secondary mobile devices, providing access across multiple personal devices.
How to Pay Your FAB Credit Card Bill Online
Paying your FAB credit card bill online is free of charge, and you have 5 methods available, including internet banking, the FAB mobile app, mobile wallet integration, UAEFTS, and AutoPay.
| Category | Attribute | Value |
|---|---|---|
| Internet Banking | Entry Point | Credit cards section |
| Mobile App | Entry Point | Cards menu |
| UAEFTS | Currency Support | AED and non-AED currencies |
| AutoPay | Deduction Frequency | Monthly |
| Direct Debit | Setup Channel | 24-hour customer service |
What payment methods can I use to pay my FAB credit card bill online?
FAB provides 5 distinct online payment methods, including internet banking, the FAB mobile app, and UAEFTS. Each method connects directly to your FAB credit card account and processes payments without a service fee, according to FAB’s published online banking terms.
- Access internet banking by logging in and navigating to the credit cards section
- Access the mobile app by opening the cards menu and selecting your credit card
- Access UAEFTS by initiating a fund transfer in AED or non-AED currencies
How do I set up AutoPay for my FAB credit card?
AutoPay deducts your payment automatically on a monthly schedule, removing the need to log in and process each payment manually. FAB applies this deduction directly from your linked UAE personal bank account, such as a current account, savings account, or salary account.
- Contact FAB’s 24-hour customer service to request direct debit standing instructions
- Provide your linked UAE personal bank account details, including account number and IBAN
- Select your preferred deduction amount from the 3 available options
What payment amounts can I choose when paying my FAB credit card bill?
FAB allows you to select from 3 specific payment amounts, including the minimum due, the full outstanding balance, and a custom figure you define. A UAE personal bank account is required to complete direct online payments.
- Select the minimum amount to meet the monthly due requirement
- Select the full balance to clear the total outstanding amount
- Enter a custom figure to pay any amount between the minimum and the full balance
How to Reach FAB Customer Support
FAB’s customer support spans multiple channels, including phone lines, email addresses, and digital platforms, depending on your location and account type.
What phone numbers can I use to contact FAB customer support?
Call 600 52 5500 or 600 625500 for UAE general inquiries. FAB provides dedicated lines for different caller types, such as UAE residents, international callers, and specialized account holders, to direct each customer to the correct support team.
| Category | Attribute | Value |
|---|---|---|
| UAE General | Phone Number | 600 52 5500 |
| UAE General | Alternate Number | 600 625500 |
| International | Phone Number | +971 2 681 1511 |
| Elite and Private Banking | Phone Number | 800 40000 |
| Commercial Banking | Phone Number | 600 52 2235 |
What email addresses can I use to reach FAB customer support?
FAB provides 3 dedicated email addresses based on account type, including Elite Banking, Private Banking, and Commercial Banking. Each address routes your inquiry to the team managing that specific account category, reducing handling time and improving resolution accuracy.
- Use Elite@bankfab.com to contact Elite Banking support
- Use PB@bankfab.com to contact Private Banking support
- Use CMB-ClientServices@bankfab.com to contact Commercial Banking support
Where can I find additional FAB support resources?
FAB’s Help and Support page provides self-service tools, including FAQs, branch locators, and ATM finders. Accessing this page allows customers to resolve common inquiries, such as account questions, branch locations, and ATM availability, without contacting a representative directly.
Security Features That Protect Your FAB Card
What encryption does FAB use to protect your online banking?
FAB secures all online banking communications using 256-bit TLS encryption. Digital certificates verify the authenticity of the FAB website during every session, blocking phishing attempts that redirect users to fraudulent pages. According to the National Institute of Standards and Technology (NIST), 256-bit encryption generates 2^256 possible key combinations, making brute-force decryption computationally infeasible with current technology.
How do OTPs and PINs protect your card transactions?
Your PIN and OTP provide 2 separate verification layers across transaction types including ATM withdrawals, POS payments, and beneficiary additions. Your PIN authenticates physical transactions at terminals such as ATMs and retail POS devices. OTPs authenticate critical digital actions, including adding new beneficiaries, approving high-value transfers, and confirming account changes. Each OTP expires exactly 2 minutes after generation, reducing the window for interception or misuse.
| Category | Attribute | Value |
|---|---|---|
| PIN | Transaction Types | ATM, POS terminals |
| OTP | Expiry Window | 2 minutes |
| OTP | Protected Actions | Beneficiary additions, high-value transfers |
What features reduce the risk of fraud and unauthorized access?
FAB applies the following protections across digital and physical channels:
- Data masking displays only partial digits for sensitive information including card numbers and registered mobile numbers, reducing exposure during on-screen viewing
- Real-time SMS alerts notify you of every transaction, including purchases, withdrawals, and transfers, within seconds of activity
- Fraud monitoring flags high-value activity including large transfers, unusual purchase patterns, and cross-border transactions for review by FAB’s security teams
- Card controls within the FAB Mobile App enable you to restrict spending categories, set third-party transfer limits, and disable card functions including contactless payments and international use
Final Words
FAB credit cards require a minimum monthly salary of AED 5,000 for eligibility. Applicants must meet the income threshold, understand the applicable fees, and use the available contact channels to manage their account. The FAB mobile app provides real-time balance tracking and payment management. FAB credit card terms, fees, and eligibility criteria are published directly by First Abu Dhabi Bank.
