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Travel
First Abu Dhabi Bank
Travel Credit Card
No salary transfer needed
Min. salary
AED 20,000
Annual fee
AED 1,575
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%
No standard waiver
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 1,575
- Fee note
- No standard waiver
- 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 20,000
- 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.
- Free welcome return flight to a choice of over 15 regional and global destinations on signup (redemption code to be used within 45 days of activation; subject to payment of the annual membership fee), repeated as a yearly free flight
- 12% cashback in FAB Rewards on flight and hotel bookings, up to AED 1,800 per month (min monthly spend AED 5,000)
- Zero international transaction fees: no bank or scheme charges on foreign currency spends
- 14 complimentary lounge visits per year at over 1,000 lounges worldwide for primary and supplementary cardholders, plus 1 free guest per visit; a second guest gets up to 6 free visits with AED 5,000 min monthly spend
- 4 complimentary Careem airport transfers per year to/from UAE airports (promo code MAUAE6, saving up to USD 23 per ride)
- 3 complimentary airport security fast track passes
- Complimentary travel medical and travel inconvenience insurance when return airline tickets are bought on the card
- Rental collision and loss damage waiver cover
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.