First Abu Dhabi Bank
FAB GEMS World Credit Card
The FAB GEMS World Credit Card is a cashback credit card from First Abu Dhabi Bank. It has an annual fee of AED 418.95, and needs a minimum salary of AED 8,000 a month.
Annual fee
AED 418.95
Joining fee
Free
Min. salary
AED 8,000/mo
Rewards in
FAB Rewards
Material
Plastic
Card highlights
- Earn up to 3% FAB Rewards on GEMS fees, 2% abroad, 1% on daily spend
- 10% FAB Rewards back on school buses, canteen, uniforms and activities
- 8 airport lounge visits/year (1,000+ lounges) plus a free guest each visit
- Education protection up to AED 500,000 per child, plus 2 cinema tickets/month from AED 20
Earn rates
| Category | Rate |
|---|---|
| Education | 3% |
| International spend | 2% |
| Travel | 1% |
| Retail | 1% |
| Supermarket | 1% |
| Dining & food | 1% |
| Fuel | 1% |
| Utilities | 1% |
| Transport | 1% |
| Online shopping | 1% |
| Real estate | 1% |
Current welcome offer
No annual fee with AED 24,000 or more spend per year
- Qualifying spend must be non-educational purchases made in the previous year
Benefits & perks
- •Education protection insurance: up to AED 500,000 per child
- •0% instalment plan on school fees for up to 12 months (no processing fees)
- •Airport lounge access at 1,000+ lounges worldwide: 8 visits/year plus 1 guest
- •Cinema tickets from AED 20: up to 2 tickets/month, plus 40% off Cinépolis
- •20% off Emaar attractions
- •30% off IMG Worlds of Adventure
- •Credit Shield protection
- •10% cashback (as FAB Rewards) on school-related expenses (bus, canteen, uniforms and more)
Every card is checked against official bank sources. Last updated July 2026.
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More from First Abu Dhabi Bank
FAB Cashback Credit Card
- Earn 5% cashback on supermarkets, fashion and dining (cap AED 150 each/mo), 3% on international spend, 1% on all other
- Up to 8 airport lounge visits a year (plus 6 guest passes) and 1 airport transfer
Updated July 2026
Blue FAB Infinite Credit Card by Al-Futtaim
- Earn 8-9% Blue Rewards on Al-Futtaim retail, 4% on specialty (schools, cars, real estate), 1% everywhere else
- Unlimited lounge access for you and a guest (1,000+ lounges) plus 6 airport transfers a year
Updated June 2026
Blue FAB Platinum Credit Card by Al-Futtaim
- Earn 6% Blue Rewards on Al-Futtaim brands (IKEA, M&S, ACE, Toys R Us), 2% on Al-Futtaim specialty, 1% everywhere else
- 2 complimentary airport transfers per year plus Visa Luxury Hotel Collection and Agoda discounts
Updated July 2026
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