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Rewards
First Abu Dhabi Bank
Rewards Indulge Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
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%
Free for life
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 0
- Fee note
- Free for life
- 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 5,000
- 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.
- 5 FAB Rewards per AED 1 on online spending
- 1 FAB Reward per AED 1 on all other spending including abroad (selected categories earn 0.5)
- 20,000 bonus FAB Rewards a month when monthly spend is AED 10,000 or more
- FAB Rewards earning capped at 50,000 FAB Rewards per month
- Up to 20% discount per order at over 150 restaurants across the UAE (dine with up to 7 friends)
- 20% off shopping on Namshi.com (spend at least AED 300)
- Movie tickets at only AED 20: four tickets every month at Cine Royal, Star Cinemas and Reel Cinemas (min spend AED 3,000 in the month)
- Access to over 25 regional and international airport lounges 4 times a year (spend USD 1 on the card)
- Up to 20% off entertainment and attractions in the UAE
- 10% off car and truck rentals
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.