Elite Credit Card
No salary transfer needed
Free for the first year (FAB personal homepage promotion, July 2026: 'Enjoy the first year free with a new card')
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,260
- Fee note
- Free for the first year (FAB personal homepage promotion, July 2026: 'Enjoy the first year free with a new card')
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- Minimum salary
- AED 40,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Free access to 60+ luxury beach clubs, gyms and sports clubs across the UAE via ADV+ (subject to AED 10,000 monthly card spend; otherwise AED 300 charge for that month)
- Up to 40% off for you and friends at top hotel restaurants in the UAE with ADV+
- 24/7 dedicated lifestyle concierge service
- Guaranteed gift of gold from the FAB Rewards Shop on annual spend of AED 500,000 or more; a tree planted per new card (Give a Ghaf)
- One-hour free valet parking up to 5 times a month at premium UAE locations (subject to AED 10,000 monthly spend; else AED 100 charge)
- Buy-one-get-one-free movie tickets at Roxy Cinemas, plus eight tickets from AED 20 each per month at Reel, Royal, Star and VOX Cinemas
- Up to 20% off Emaar attractions and up to 20% off Dubai Holding attractions (Wild Wadi, Dubai Parks and Resorts, Burj Al Arab, The Green Planet, The View Palm)
- 30% off golf (or one free guest) at selected clubs worldwide via Mastercard Golf Programme by Thriwe
- Free global airport lounge access for cardholder and one guest (spend USD 1); 3 complimentary airport fast-track services/year; 6 free Careem airport rides/year
- FAB Rewards: 20 per AED 1 on luxury brands (capped 200,000/month), 10 per AED 1 at eco-friendly merchants, up to 5 per AED 1 on all other spending incl. abroad (0.5 on select categories); overall cap 500,000 FAB Rewards/month
- Travel medical insurance up to USD 500,000; rental collision/loss damage waiver up to USD 50,000; travel inconvenience insurance; optional Credit Shield
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.