First Abu Dhabi Bank
du Credit Card
The du Credit Card is a rewards credit card from First Abu Dhabi Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
FAB Rewards
Material
Plastic
Card highlights
- Earn 15% back in FAB Rewards on du spend (data, devices, pre/postpaid plans)
- 1 FAB Reward per AED 1 on most spend; 0.5 per AED 1 on supermarkets, fuel, education, transport and more
- Airport lounge access on flight delays
- 20% off Talabat and 25% off Fiit.tv
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Utilities | 15% | AED 501 |
| Travel | 0.3% | AED 150 |
| Retail | 0.3% | AED 150 |
| Dining & food | 0.3% | AED 150 |
| Online shopping | 0.3% | AED 150 |
| International spend | 0.3% | AED 150 |
| Supermarket | 0.15% | AED 150 |
| Fuel | 0.15% | AED 150 |
| Education | 0.15% | AED 150 |
| Transport | 0.15% | AED 150 |
| Real estate | 0.15% | AED 150 |
Rewards on this card are capped at AED 651 a month across all categories (about AED 7,812 a year).
Benefits & perks
- •Airport lounge access on flight delays
- •0% instalment plans on du payments and devices (AED 1,000 and above)
- •20% off Talabat
- •25% off Fiit.tv
- •Travel and car-rental discounts (Booking.com, IHG, Avis and more)
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the First Abu Dhabi Bank du Credit Card earn?
A free FAB card that pays 15% back in FAB Rewards on du spending such as plans, data and devices, up to about AED 501 a month and only after a month with at least AED 2,500 of card spending, and 1 FAB Reward per AED 1 (about 0.3%) on most other spending, capped at about AED 150 a month.
What does the First Abu Dhabi Bank du Credit Card cost?
No annual fee and no joining fee.
What does spending abroad cost on the First Abu Dhabi Bank du Credit Card?
Spending abroad costs about 3.89% all in: FAB's international transaction fee of up to 2.74% (VAT included, FAB Key Facts Statement September 2026), charged on AED and non-AED transactions abroad alike, plus about 1.15% for Mastercard, which is Perkly's standard estimate because FAB's tariff says '+ scheme charges' without a figure. International spending earns 1 FAB Reward per AED 1, and Perkly has no record of a lower rate in the UK or Europe.
What should I watch out for with the First Abu Dhabi Bank du Credit Card?
The 15% on du needs at least AED 2,500 of card spending in the previous month, and stops at about AED 501 a month. Away from du the card earns only about 0.3%, capped at about AED 150 a month, and supermarkets, fuel and rent earn 0.15%.
More from First Abu Dhabi Bank
FAB Elite Credit Card
- Earn up to 20 FAB Rewards per AED at luxury brands (Hermes, Cartier, Louis Vuitton and more), 10 at eco-friendly merchants, 5 on general and international spend
- 14 complimentary airport lounge visits a year (1,300+ lounges via Mastercard Travel Pass) plus 3 complimentary airport fast track passes a year
Updated October 2026
FAB Rewards Active Credit Card
- Earn 5 FAB Rewards per AED on sports, gym and sporting gear spend; 2 per AED on other UAE and international spend
- Complimentary fitness ring for life plus free gym access at 25+ UAE venues for 12 months (min AED 3,000/month spend)
Updated October 2026
FAB Rewards Indulge Card
- Earn 5 FAB Rewards per AED on online spend; 1 per AED on general spend (0.5 on supermarkets, fuel, utilities, transport and selected categories)
- 20,000 bonus FAB Rewards in any month you hit AED 10,000 cumulative retail spend (capped at 240,000 a year)
Updated October 2026