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First Abu Dhabi Bank
GEMS World Credit Card
No salary transfer needed
Min. salary
AED 8,000
Annual fee
AED 418.95
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%
Waived on non-educational spend of AED 24,000 in the previous year
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 418.95
- Fee note
- Waived on non-educational spend of AED 24,000 in the previous year
- 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 8,000
- 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.
02Rewards & perks
What you get.
- Up to 3% savings on GEMS school fees
- 10% cashback on other school-related expenses (bus fees, canteen, uniforms, extracurricular activities)
- 0% Easy Payment Plan with no fees for up to 12 months on GEMS school fees
- Education protection coverage of up to AED 500,000 for each child
- Up to 1% cashback on domestic daily spending and up to 2% on international/travel spends
- Free airport lounge access to over 1,000 lounges worldwide for you and a guest up to 8 times a year (spend USD 1 on the card)
- Two discounted cinema tickets every month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas, plus 40% off deluxe tickets at Cinepolis
- 20% discount at Emaar attractions
- 30% off general admission tickets at IMG Worlds
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.