Cashback
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 6.5 FAB Rewards per AED 1 abroad (~2%) and 3.5 on UAE spend (~1%); 10% back on school extras (bus, canteen, uniform, activities) capped at AED 250.50 a month
- Up to 3% discount on GEMS tuition fees paid in advance (terms and deadlines apply)
- 8 airport lounge visits a year at 1,000+ lounges worldwide, for you and a guest
- 2 discounted cinema tickets a month at AED 20 (Reel, Cine Royal, Star Cinemas) plus 20% off Emaar and 30% off IMG Worlds
Earn rates
| Category | Rate |
|---|---|
| International spend | 2% |
| Education | 1.65% |
| Travel | 1% |
| Retail | 1% |
| Dining & food | 1% |
| Online shopping | 1% |
| Supermarket | 0.15% |
| Fuel | 0.15% |
| Utilities | 0.15% |
| Transport | 0.15% |
| Real estate | 0.15% |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
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
- •Advance-payment discount on GEMS international school tuition: up to 3% for the 2026-2027 academic year
- •Airport lounge access at over 1,000 lounges worldwide for you and a guest: 8 visits/year (requires USD 1 spend to unlock)
- •0% instalment plan for up to 12 months (no fees) on school fees
- •2 discounted cinema tickets/month at AED 20 at Reel Cinemas, Cine Royal and Star Cinemas (min. AED 3,000 monthly spend)
- •10% back in FAB Rewards on school extras (bus, canteen, uniform and extracurriculars): capped at AED 250.50/month
- •40% off deluxe tickets at Cinepolis
- •30% off general admission at IMG Worlds
- •20% off Emaar attractions
Every card is checked against official bank sources. Last updated September 2026.
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