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EverydayMastercard
First Abu Dhabi Bank
Z Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 105
Monthly rate
1.99%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
26.7%
Free for the first 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 105
- Fee note
- Free for the first year
- Monthly rate
- 1.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 26.7%
- 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.
- Lowest FAB interest rate of 1.99% per month
- No annual fees for the first year
- Up to 1 FAB Reward per AED 1 spent (value of up to AED 1,000 in FAB Rewards each month)
- Free Careem Plus membership for one year and a free one-year Noon One membership
- 20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid subscriptions
- Free airport lounge access when you spend just USD 1 on the card
- Up to 20% off UAE attractions and 20% off Talabat
- Buy-now-pay-later plans from 0.99% for up to 48 months (fees apply)
- Mastercard Priceless travel discounts (Booking.com, IHG Hotels and Resorts, Avis, Rentalcars.com)
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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.