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PremiumVisa
First Abu Dhabi Bank
Elite Credit Card
Min. salary
AED 40,000
Annual fee
AED 1,200
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
01Fees & rates
What it costs.
- Annual fee
- AED 1,200
- 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 40,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
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.
- Up to 500,000 FAB Rewards on all your spending
- Free access to 60+ beach clubs, gyms and sports clubs via ADV+
- Up to 40% off at top hotel restaurants across the UAE with ADV+
- 24/7 global lifestyle concierge and free valet parking
- Guaranteed gold gift from the FAB Rewards Shop on AED 500,000 annual spend
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.