du Credit Card
Save 15% on everything du — for free
at FAB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
“This is what a niche card should be: free forever, one big honest benefit — 15% back on your du bill — and 0% instalments when you upgrade your phone. Just don't make it your main card; FAB won't even tell you what general spend earns on it.”
Earning and redeeming FAB Rewards
The du Credit Card earns FAB Rewards, First Abu Dhabi Bank's loyalty currency, and the pitch is a single number: 15% back on all du spending — postpaid and prepaid plans, data packages, new devices and other du payments. Rewards can be redeemed for cashback under the FAB Rewards programme.
Everything else you buy also earns FAB Rewards, but FAB does not publish the base rate on the card page — so plan your value around the du savings, the 0% payment plans on du devices, and the 20% Talabat discount, not around general spend.
Rates and fees
- Annual fee
- 0 — free for life, supplementary cards free too
- du rewards
- 15% back in FAB Rewards on all du spending
- Interest rate
- 3.99% per month (47.88% annualized) on unpaid balances
- Foreign transaction fee
- Up to 2.61% + VAT plus card-scheme charges
- Cash advance fee
- Up to 3.15% + VAT (minimum 157.50)
- Late payment fee
- 241.50
- Minimum salary
- 5,000 per month
- Card network
- Mastercard Titanium
Rates verified against FAB's published credit-card Schedule of Fees. Always confirm on the issuer's site before applying.
Card benefits
15% back on du
All du spending — bills, plans, data packages and devices — earns 15% back in FAB Rewards.
0% du payment plans
Split du payments and new device purchases into 0% interest instalment plans.
20% off Talabat
A standing 20% discount on Talabat orders among the card's lifestyle benefits.
Delay lounge access
Airport lounge access when your flight is delayed, plus travel discounts and benefits.
Car rental discounts
Discounted car rentals with the card's travel partners.
Card protections
Chip-and-PIN with OTP-secured online purchases, optional Credit Shield and Wallet Shield cover.
Pros and cons
- No annual fee at all
- 15% back in FAB Rewards on du bills, plans, data and devices
- 0% instalment plans on du payments and device purchases
- 20% off Talabat and assorted travel and car-rental discounts
- Accessible 5,000 minimum salary
- The 15% headline applies to du spending only — FAB doesn't publish the base earn rate on everything else
- No general lounge access — lounges only when your flight is delayed
- Rewards value is concentrated in one telecom provider; Etisalat customers get nothing here
- Very high 3.99% monthly interest rate (47.88% APR)
- International spend carries a fee of up to 2.61% plus VAT and scheme charges
Is it right for you?
Get this card if
- You're a du customer with meaningful monthly bills or an upcoming device purchase.
- You want a free-forever card to hold alongside your main rewards card.
- You order Talabat often enough for a standing 20% discount to matter.
Consider skipping it if
- You're on Etisalat — the card's entire premise is du savings.
- You want one card for everything; the base earn rate isn't even published.
- You expect real travel perks — lounge access here only triggers on flight delays.
Alternatives to consider
FAB's ADNOC co-brand pays 15% back at ADNOC stations and 3% on Salik — the same niche logic, aimed at your car.
Best fuel & transport cards →
FAB Cashback pays published rates on your whole statement, not just one merchant — the better main card.
Best cashback cards →
The Emirates Islamic Amazon card boosts online shopping instead of telecom bills — a different niche, same free-card logic.
Best online shopping cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Does the du Credit Card have an annual fee?+
No — the card has no annual fee, for the primary card and supplementary cards alike, confirmed in FAB's Schedule of Fees.
How does the 15% back on du spending work?+
All your du spending — data packages, new devices, prepaid and postpaid plans and other du payments — earns 15% back in FAB Rewards, FAB's loyalty currency, which can be redeemed for cashback.
What is the minimum salary to apply?+
AED 5,000 per month.
Does the card include airport lounge access?+
Only in a limited form: the card's travel benefits include lounge access when your flight is delayed, alongside travel and car-rental discounts. There is no general complimentary lounge benefit.
Can I pay for du devices in instalments?+
Yes — the card offers 0% interest payment plans on du payments and device purchases.
What do non-du purchases earn?+
They earn FAB Rewards under the FAB Rewards loyalty programme, but FAB does not publish the base earn rate on the card page — check with the bank before assuming meaningful value on general spend.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.