FAB Rewards Indulge Card review
Online purchases earn 5 FAB Rewards per AED 1, while other spend at home and abroad earns 1 FAB Reward per AED 1 and selected categories earn 0.5. Push monthly spending to AED 10,000 and you collect a 20,000 FAB Rewards bonus, with total earnings capped at 50,000 rewards per month.
The perks favour online lifestyles: 20% off Namshi on orders of AED 300 or more, up to 20% dining discounts at 150+ restaurants, and AED 20 movie tickets when you spend at least AED 3,000 a month. Travellers get free airport lounge access four times a year with a USD 1 spend across 25+ regional and international lounges.
Rewards can be redeemed on retail, dining, cashback, miles and entertainment through the FAB Mobile app. Because the card is free for life with an AED 5,000 salary bar, it is an easy fit for frequent online shoppers who want rewards without an annual fee.
Card details
| Bank | FAB |
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| Card type | Rewards |
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| Card network | Mastercard |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life with no annual fees |
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| Interest (monthly) | 3.99% |
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| Reward type | FAB Rewards |
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| Reward rate | 5 FAB Rewards per AED 1 on online spend; 1 FAB Reward per AED 1 on other spend in the UAE and abroad; 0.5 FAB Rewards per AED 1 on selected categories20,000 bonus FAB Rewards when monthly spend reaches AED 10,000; selected categories earn 0.5 FAB Rewards per AED 1 Capped at 50,000 FAB Rewards per month Redeem on retail, dining, cashback, miles and entertainment through the FAB Mobile app |
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| Lounge access | Free airport lounge access 4 times/year with a USD 1 spend, across 25+ regional and international lounges |
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| Quick cash | Quick Cash available bank-wide |
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| Balance transfer | 0% balance transfer plans available bank-wide |
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| Instalment plan | 0% Easy Payment Plan for up to 12 months |
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FAB Rewards Indulge Card benefits
✓5x FAB Rewards on online spending
✓20,000 bonus rewards at AED 10,000 monthly spend
✓Free for life with no annual fee
✓20% off Namshi on a min AED 300 order
✓Up to 20% dining discount at 150+ restaurants
✓AED 20 movie tickets with a min AED 3,000/month spend
Offers and payment options
Quick cashQuick Cash available bank-wide
Balance transfer0% balance transfer plans available bank-wide
Instalment plan0% Easy Payment Plan for up to 12 months
FAB Rewards Indulge Card fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
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| Cash advance fee | Up to 3.15% (plus VAT) or AED 157.50, whichever higher |
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| Late payment fee | 241.50 |
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| Over-limit fee | 303.18 |
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| Foreign currency fee | Up to 2.61% + VAT + scheme charges |
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| Minimum payment | 5% of outstanding or AED 100, whichever higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 (reducing to 25 effective 20 Aug 2026) |
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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 online shoppers who want a no-fee rewards card that pays extra on e-commerce.
What works well
- ✓Free for life
- ✓Strong rewards on online spend
- ✓Monthly bonus rewards for higher spenders
What to weigh up
- −Low base earn rate away from online spend
- −Lounge access limited to 4 visits/year
FAB Rewards Indulge Card eligibility
Min salary AED 5000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Rewards Indulge Card FAQs
Min salary AED 5000; UAE resident
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
5 FAB Rewards per AED 1 on online spend; 1 FAB Reward per AED 1 on other spend in the UAE and abroad; 0.5 FAB Rewards per AED 1 on selected categories
It suits online shoppers who want a no-fee rewards card that pays extra on e-commerce.
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.
