What is the minimum salary requirement for FAB credit cards?

FAB offers credit cards with accessible salary requirements. Many cards including the Z Card, Cashback, and ADNOC Rewards cards start at just AED 5,000. The Etihad Guest Infinite requires AED 30,000, while the Elite card requires AED 50,000 for premium benefits.

Are there any FAB credit cards with no annual fee?

Yes, FAB offers several free-for-life cards including the popular Z Card, Rewards Indulge Card, SHARE Standard, Manchester City Titanium, and du Titanium cards. These provide excellent value with features like lounge access and rewards without any annual fees.

Which FAB card is best for Etihad Airways flyers?

The FAB Etihad Guest Infinite is the best for Etihad flyers, offering 55,000 welcome miles, automatic Gold status upgrade, double tier miles on Etihad flights, and up to 6 Etihad Guest Miles per AED spent. The Etihad Guest Platinum is a more accessible option starting at AED 8,000 salary.

Does FAB offer airport lounge access?

Yes, most FAB credit cards offer airport lounge access. The Z Card, Cashback Card, Rewards Indulge Card, and Etihad Guest Infinite all provide unlimited lounge access worldwide. Even entry-level cards like the ADNOC Rewards offer 25+ lounge visits.

Which FAB card offers the best cashback?

The FAB Cashback Credit Card offers up to 10% cashback on supermarket and fuel purchases, plus 5% on utilities. For drivers, the FAB ADNOC Rewards card is excellent with 15% back on fuel and 3% on SALIK toll payments.

Updated January 2026

Best FAB Credit Cards in UAE 2026

First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the biggest financial institutions in the Middle East. Formed through the merger of National Bank of Abu Dhabi and First Gulf Bank in 2017, FAB has rapidly expanded its offerings to become a leader in innovative credit card products.

FAB stands out with an impressive range of 20 credit cards, offering everything from zero-fee everyday cards to premium travel rewards. Their partnerships with Etihad Airways, ADNOC, Al-Futtaim, and Manchester City FC give cardholders unique earning opportunities across different lifestyles.

We have curated the 5 best FAB credit cards representing the top choices for different spending patterns and rewards preferences.

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Quick Comparison

Card	Annual Fee	Min Salary	Key Benefit
First Abu Dhabi Bank - FAB Z Card	Free	AED 5,000	No Annual Fee
FAB - Cashback Credit Card	AED 300	AED 5,000	Unlimited Lounges
First Abu Dhabi Bank - FAB Rewards Indulge Card	Free	AED 5,000	Unlimited Lounges
FAB - Etihad Guest Infinite	AED 2500	AED 30,000	55K Etihad Miles
First Abu Dhabi Bank - FAB ADNOC Rewards Credit Card	AED 300	AED 5,000	300K ADNOC Bonus

Featured Cards

First Abu Dhabi Bank

First Abu Dhabi Bank - FAB Z Card

1 FAB Reward/AED

Annual Fee

Free for Life

Min Salary

AED 5,000

Type

Points

Key Features:

No Annual Fee - No annual fees for the first year

No FX Fees - No foreign exchange fees abroad, excluding any applicable scheme charges.

Lounge Access - Enjoy free airport lounge access with the Mastercard Travel Pass app.

20% Off UAE Fun - Enjoy up to 20% off on attractions in the UAE, including Dubai Parks and Emaar attractions.

20% Off Talabat - 20% off Talabat food or grocery delivery each month with Mastercard promo code

20% Off Subscriptions - 20% off monthly subscriptions to Netflix, PlayStation, YouTube, Spotify, Shahid VIP and Xbox Pass (spend AED 5,000 previous month)

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First Abu Dhabi Bank

FAB - Cashback Credit Card

0.15% base | 5% groceries, 3% school fees and dining, 1% non-AED

Annual Fee

AED 300

Min Salary

AED 5,000

Type

Cashback

Key Features:

Unlimited Lounges - Receive free, unlimited access to over 10 airport lounges in UAE, KSA, Jordan, Kuwait and Egypt.

Up to 10% Cashback - ENJOY UP TO 10% CASHBACK ON YOUR HOTEL BOOKINGS

5% Supermarket - Supermarket spends – 5% cashback – 12.5 FAB Rewards / AED 1 Spending

Up to 5% Cashback - A credit card with 5% cashback on groceries and 3% on School fees and dining.

3% Dining Cashback - 3% cashback (up to AED 200 per month maximum) on dining

3% School Cashback - 3% cashback (up to AED 200 per month maximum) on school fees

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First Abu Dhabi Bank

First Abu Dhabi Bank - FAB Rewards Indulge Card

1 FAB Reward/AED | 5 FAB Rewards/AED on online transactions

Annual Fee

Free for Life

Min Salary

AED 5,000

Type

Points

Key Features:

Unlimited Lounges - Unlimited airport lounge access globally

20K Bonus Rewards - Earn 20,000 bonus FAB Rewards each month on qualifying monthly spend.

5 Rewards/AED - Earn 5 FAB Rewards for every AED 1 spent on online transactions.

Redeem FAB Rewards - FAB Rewards can be redeemed for retail purchases, dining, cashback, air miles, and entertainment.

20% Dining - Up to 20% discount at over 150 restaurants across the UAE when dining with up to 7 guests

20% Attraction - Enjoy up to 20% discount on UAE attractions like Wild Wadi, Dubai Aquarium, and Burj Al Arab tour.

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First Abu Dhabi Bank

FAB - Etihad Guest Infinite

3.5 miles/AED 10 domestic, 6 miles/AED 10 international, 7 miles/AED 10 on Etihad | 7.5 miles/AED 10 with Accelerator

Annual Fee

AED 2500

Min Salary

AED 30,000

Type

Miles

Key Features:

55K Etihad Miles - Get a warm welcome with 55,000 Etihad Guest Miles bonus

55K Joining Miles - Enjoy 55,000 joining miles with the FAB - Etihad Guest Infinite card to kickstart your travel rewards.

Unmatched Joining Bonu - Unmatched joining benefits when you take an Etihad Guest Infinite Credit Card

Etihad Guest Bonus - Enjoy a generous welcome bonus of Etihad Guest miles upon signing up for the FAB Etihad Guest Infinite card.

Etihad Gold Upgrade - Become an Etihad Guest Gold member simply by completing one return flight with Etihad within six months of activating your card.

Up to 10% Cashback - Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the

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First Abu Dhabi Bank

First Abu Dhabi Bank - FAB ADNOC Rewards Credit Card

150 ADNOC points/AED on fuel, 30 points/AED on SALIK | 10 ADNOC points/AED on other UAE spend, 2 FAB Rewards/AED

Annual Fee

AED 300

Min Salary

AED 5,000

Type

Hybrid

Key Features:

300K ADNOC Bonus - 300,000 ADNOC Rewards points guaranteed welcome bonus (worth AED 300) upon card sign-up

25+ Lounge Access - Enjoy free access to 25+ airport lounges worldwide, 4 times a year with DragonPass.

3% Back on SALIK - Earn 3% back on SALIK, DARB, and Mawaqif spending (30 points per AED 1).

15% Back on Fuel - 15% back (150 ADNOC Rewards points per AED 1) on all ADNOC service station spend including fuel

5 Rewards/AED - Earn 5 FAB Rewards for every AED 1 spent on sports activities with the FAB ADNOC Rewards Credit Card.

ADNOC Gold Mem - Fast track to ADNOC Rewards Gold Membership with exclusive partner benefits.

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Frequently Asked Questions

Not Sure Which Card to Choose?

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Find the best credit cards for your needs:

Cashback

Earn on every purchase

Travel

Miles & lounge access

Islamic

Shariah-compliant

No Fee

Free for life

Lounge

Airport lounges

Flexible

No bank lock-in

Bonus

Sign-up rewards

Low APR

0% intro rates

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5K–10K

10K–20K

20K+

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