FAB Z Card review
Spending earns up to 1 FAB Reward per AED 1, worth up to AED 1,000 a month in FAB Rewards value. The card's standout number is its 1.99% monthly interest rate, the lowest FAB offers, with a minimum statement payment of 5% or AED 100.
The lifestyle bundle is built for a digital-first crowd: 20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid, 20% off Talabat orders, and a free year of both Careem Plus and Noon One memberships. The subscription discount does require AED 3,000 of spend in the previous month.
Travellers benefit from no FX fees abroad, excluding scheme and conversion charges, plus free airport lounge access with a USD 1 spend. The first year is fee-free, after which a modest AED 100 annual fee plus VAT applies, making it an affordable low-interest option for younger spenders.
Card details
| Bank | FAB |
|---|
| Card type | Lifestyle |
|---|
| Card network | Mastercard |
|---|
| Minimum salary | AED 5,000 |
|---|
| Annual fee | AED 105 |
|---|
| Fee waiver | First year free, then a AED 100 annual fee from the second year plus VAT |
|---|
| Interest (monthly) | 1.99% |
|---|
| Reward type | FAB Rewards |
|---|
| Reward rate | Up to 1 FAB Reward per AED 1 spentThe 20% subscription discount benefit requires AED 3,000 of spend in the previous month Up to AED 1,000/month in FAB Rewards value This is FAB's lowest interest rate at 1.99%/month; the minimum statement payment is 5% or AED 100; and there are no FX fees abroad, excluding scheme and conversion charges |
|---|
| Lounge access | Free airport lounge access with a minimum USD 1 spend |
|---|
| Quick cash | Quick Cash available bank-wide |
|---|
| Balance transfer | 0% balance transfer plans available bank-wide |
|---|
| Instalment plan | Installment plans from 0.99% for up to 48 months, with fees applicable |
|---|
FAB Z Card benefits
✓Low 1.99% monthly interest
✓20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid
✓20% off Talabat orders
✓Free Careem Plus membership for 1 year
✓Free Noon One membership for 1 year
✓No FX fees abroad
Offers and payment options
Quick cashQuick Cash available bank-wide
Balance transfer0% balance transfer plans available bank-wide
Instalment planInstallment plans from 0.99% for up to 48 months, with fees applicable
FAB Z Card fees & charges
| Annual percentage rate (APR) | 1.99% per month (approx 23.88% APR) |
|---|
| 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 | 0% International Transaction Fee; only scheme charges (~1%) apply |
|---|
| 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 younger UAE users who want low interest, streaming discounts and no foreign exchange fees.
What works well
- ✓FAB's lowest interest rate
- ✓Strong subscription and streaming discounts
- ✓No foreign exchange fees
What to weigh up
- −Modest base rewards
- −The subscription perk needs AED 3,000 of prior-month spend
FAB Z Card eligibility
Minimum salary of AED 5,000; UAE resident; aimed at younger customers
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Z Card FAQs
Minimum salary of AED 5,000; UAE resident; aimed at younger customers
The listed annual fee is AED 105. First year free, then a AED 100 annual fee from the second year plus VAT
Up to 1 FAB Reward per AED 1 spent
It suits younger UAE users who want low interest, streaming discounts and no 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.
