FAB Travel Card review
The card returns 12% cashback in FAB Rewards on flight and hotel bookings, provided you spend at least AED 5,000 a month, with travel cashback capped at AED 1,800 monthly. All other spend earns FAB Rewards at a base rate that FAB does not specify, and cashback is credited as FAB Rewards.
Travel perks are a core strength: 14 complimentary lounge visits a year across 1,000+ lounges worldwide for you and 2 guests, with the second guest getting 6 visits on an AED 5,000 monthly spend, plus 4 Careem airport transfers a year. New cardholders receive a complimentary economy return flight from 15+ destinations, redeemable within 45 days of activation and subject to the annual fee.
One of the biggest draws is the absence of any international transaction fee, with bank and scheme charges waived, so spending abroad avoids the usual markup. Spend AED 300,000 in a year and you also earn a free anniversary flight. With an AED 20,000 salary bar and a AED 1,500 fee, it best rewards regular international travellers.
Card details
| Bank | FAB |
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| Card type | Travel |
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| Card network | Mastercard World Elite |
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| Minimum salary | AED 20,000 |
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| Annual fee | AED 1,575 |
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| Interest (monthly) | 3.99% |
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| Reward type | Cashback (FAB Rewards) |
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| Reward rate | 12% cashback in FAB Rewards on flight and hotel bookings; all other spend earns FAB Rewards at a base rate that is not specifiedA minimum AED 5,000 monthly spend is required for the travel cashback Travel cashback is capped at AED 1,800/month Cashback is credited as FAB Rewards. This card carries no international transaction fee, with bank and scheme charges waived |
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| Welcome bonus | One complimentary economy return flight from 15+ destinations, with a redemption code valid for 45 days after activation, subject to payment of the annual feeNew primary FAB Travel Card cardholders (Mastercard), cards issued/activated from 5 Mar 2025 | No minimum spend for the welcome flight | Subject to payment of the AED 1,500 annual membership fee | Voucher code issued within 45 days of activation | Code must be used within 30 days of receiving the SMS | Travel must be completed within 11 months of voucher issuance | Not valid over Eid, Christmas, New Year; single use, non-transferable |
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| Lounge access | 14 complimentary lounge visits/year across 1,000+ lounges worldwide for the cardholder plus 2 guests; the 2nd guest gets 6 visits with an AED 5,000/month spend |
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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 Plans available bank-wide |
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Welcome bonus: One complimentary economy return flight from 15+ destinations, with a redemption code valid for 45 days after activation, subject to payment of the annual fee
Terms: New primary FAB Travel Card cardholders (Mastercard), cards issued/activated from 5 Mar 2025 | No minimum spend for the welcome flight | Subject to payment of the AED 1,500 annual membership fee | Voucher code issued within 45 days of activation | Code must be used within 30 days of receiving the SMS | Travel must be completed within 11 months of voucher issuance | Not valid over Eid, Christmas, New Year; single use, non-transferable
FAB Travel Card benefits
✓12% cashback on flights and hotels
✓Complimentary return flight as a welcome offer
✓Zero international transaction fees
✓14 lounge visits/year plus guests
✓4 Careem airport transfers/year
✓Free anniversary flight at AED 300,000 annual spend
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 Travel 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 | 0% (true 0% International Transaction Fee and scheme charges on Travel Card) |
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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 frequent travellers who book flights and hotels regularly and want to avoid foreign exchange fees.
What works well
- ✓High cashback on travel bookings
- ✓No foreign exchange fees
- ✓Generous lounge access plus a welcome flight
What to weigh up
- −High annual fee of AED 1,500
- −The anniversary flight needs AED 300,000 of annual spend
- −Base non-travel earn rate is unclear
FAB Travel Card eligibility
Min salary AED 20,000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Travel Card FAQs
Min salary AED 20,000; UAE resident
The listed annual fee is AED 1,575. Ask the bank whether a spend-based waiver is currently available.
12% cashback in FAB Rewards on flight and hotel bookings; all other spend earns FAB Rewards at a base rate that is not specified
It suits frequent travellers who book flights and hotels regularly and want to avoid foreign exchange fees.
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.
