FAB Rewards Active Credit Card review
Sports spend earns a standout 5 FAB Rewards per AED 1, while other purchases at home and abroad earn up to 2 FAB Rewards per AED 1 and selected categories earn 0.5. Uniquely, the card also pays 25 FAB Rewards per 1,000 daily steps through the STEPPI app, provided you log at least 6,000 steps a day. Earnings are capped at 50,000 FAB Rewards per month.
The lifestyle package leans into wellness with free access to 25+ UAE gyms via ADV+ membership, up to 20% off Sun & Sand Sports online, purchase protection up to USD 2,000 for 180 days, and global lounge access four times a year with a USD 1 spend. New cardholders skip the first-year fee with AED 3,000 of spend in 30 days and also receive 3 months of free TOD streaming plus a free fitness/payment ring.
Rewards are flexible, redeemable as cashback, retail vouchers, dining, entertainment or airline miles in the FAB Mobile app. With a low AED 5,000 salary requirement, it is best suited to active users whose spending skews toward sport and fitness.
Card details
| Bank | FAB |
|---|
| Card type | Rewards |
|---|
| Card network | Mastercard Platinum |
|---|
| Minimum salary | AED 5,000 |
|---|
| Annual fee | AED 315 |
|---|
| Fee waiver | First year free with AED 3,000 of spend in the first 30 days |
|---|
| Interest (monthly) | 3.99% |
|---|
| Reward type | FAB Rewards |
|---|
| Reward rate | 5 FAB Rewards per AED 1 on sports spend; up to 2 FAB Rewards per AED 1 on other spend in the UAE and abroad; 25 FAB Rewards per 1,000 daily steps via STEPPI; 0.5 FAB Rewards per AED 1 on selected categoriesStep rewards require at least 6,000 steps a day tracked through the STEPPI app, and selected categories earn only 0.5 FAB Rewards per AED 1 Up to 50,000 FAB Rewards earned per month Redeem as cashback, retail vouchers, dining, entertainment or airline miles through the FAB Mobile app |
|---|
| Welcome bonus | No annual fee in the first year with AED 3,000 of spend in 30 days, plus 3 months of free TOD streaming and a free fitness/payment ringNew-to-card customers only (no FAB Rewards Active card held/cancelled in prior 6 months) | Apply and have card issued between 1 Jun 2026 and 31 Aug 2026 | Spend AED 3,000 on eligible retail transactions within 30 days of issuance | AMF charged within 60 days of campaign end if not met | Fee still payable if card cancelled within one year | Cannot be combined with other new-to-card offers | Offer period 1 Jun 2026 to 31 Aug 2026 |
|---|
| Lounge access | Global airport lounge access, 4 times/year with a USD 1 spend |
|---|
| Quick cash | Quick Cash available bank-wide |
|---|
| Balance transfer | 0% balance transfer plans available bank-wide |
|---|
| Instalment plan | 0% Easy Payment Plans available bank-wide |
|---|
Welcome bonus: No annual fee in the first year with AED 3,000 of spend in 30 days, plus 3 months of free TOD streaming and a free fitness/payment ring
Terms: New-to-card customers only (no FAB Rewards Active card held/cancelled in prior 6 months) | Apply and have card issued between 1 Jun 2026 and 31 Aug 2026 | Spend AED 3,000 on eligible retail transactions within 30 days of issuance | AMF charged within 60 days of campaign end if not met | Fee still payable if card cancelled within one year | Cannot be combined with other new-to-card offers | Offer period 1 Jun 2026 to 31 Aug 2026
FAB Rewards Active Credit Card benefits
✓5x FAB Rewards on sports spend
✓Free access to 25+ UAE gyms via ADV+ membership
✓Up to 20% off Sun & Sand Sports online
✓Step-based rewards through the STEPPI app
✓Purchase protection up to USD 2,000 for 180 days
✓Global lounge access 4 times/year
Offers and payment options
Quick cashQuick Cash available bank-wide
Balance transfer0% balance transfer plans available bank-wide
Instalment plan0% Easy Payment Plans available bank-wide
FAB Rewards Active Credit Card fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
|---|
| Cash advance fee | Up to 3.15% (plus VAT) or AED 157.50, whichever higher |
|---|
| Late payment fee | 241.50 |
|---|
| Over-limit fee | 303.18 |
|---|
| Foreign currency fee | Up to 2.61% + VAT + scheme charges |
|---|
| Minimum payment | 5% of outstanding or AED 100, whichever higher |
|---|
| Interest-free period | Up to 55 days |
|---|
| Card replacement fee | 78.75 (reducing to 25 effective 20 Aug 2026) |
|---|
From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits fitness-focused users who spend on sports and want lifestyle perks tied to staying active.
What works well
- ✓Rewards tailored to an active, fitness-focused lifestyle
- ✓First-year fee waiver
- ✓Free access to 25+ gyms
What to weigh up
- −Best value only for sports and fitness spenders
- −Monthly rewards are capped at 50,000
FAB Rewards Active Credit Card eligibility
Min salary AED 5000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Rewards Active Credit Card FAQs
Min salary AED 5000; UAE resident
The listed annual fee is AED 315. First year free with AED 3,000 of spend in the first 30 days
5 FAB Rewards per AED 1 on sports spend; up to 2 FAB Rewards per AED 1 on other spend in the UAE and abroad; 25 FAB Rewards per 1,000 daily steps via STEPPI; 0.5 FAB Rewards per AED 1 on selected categories
It suits fitness-focused users who spend on sports and want lifestyle perks tied to staying active.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
