FAB Rewards Active Credit Card
First year free + a fitness payment ring
at FAB's secure site
Spend 3,000 within 30 days of issuance to unlock the fee waiver. Terms apply. See rates & fees.
Rewards rate
No other UAE card pays you to walk. The ring, the step rewards and the ADV+ gym pass make this a lifestyle product first and a credit card second — which is exactly how you should judge it. The 2x base earn is worth about 0.6% back, so the card only makes sense if the fitness perks fit your routine and you'll clear the 3,000 monthly spend that keeps the gym access free.
Earning and redeeming FAB Rewards
The card earns 5 FAB Rewards per 1 on sports categories — sporting goods and apparel stores, sports clubs and memberships, golf courses and recreation camps — and 2 per 1 on everything else at home and abroad. Daily-essentials categories (supermarkets, fuel, telecom, education, government, utilities) drop to 0.5 per 1, and monthly earning caps at 50,000 FAB Rewards. On top of that, the STEPPI app pays 25 FAB Rewards per 1,000 steps once you pass 6,000 steps a day, capped at 10,000 steps.
FAB Rewards are worth roughly 3 per 1,000 when redeemed. You can take them as cashback, spend them in-store at FAB POS terminals, buy vouchers via the FAB Rewards Shop, book travel through cleartrip.ae and musafir.com, pay utility bills, or convert to Skywards Miles, Etihad Guest Miles or Shukrans. Rewards expire two years after they're earned.
Rates and fees
- Annual fee
- 315 including VAT; supplementary cards free. First year waived for cards issued 1 Jun–31 Aug 2026 with 3,000 spend in the first 30 days
- Interest rate
- 3.99% per month on purchases and cash advances (47.88% APR)
- Minimum salary
- 5,000 per month
- Foreign transaction fee
- Up to 2.61% plus VAT and scheme charges on non- spend
- Cash advance fee
- Up to 3.15% plus VAT, minimum 157.50
- Late payment fee
- 241.50
- Overlimit fee
- 303.18
- Card network
- Mastercard
Rates verified against FAB's credit-card Schedule of Fees and the card benefits T&C (August 2026); most figures include 5% VAT. Always confirm on bankfab.com before applying.
Card benefits
Fitness payment ring
The world's first wearable fitness-and-payment ring, free for life — tap to pay and track your workouts via Tappy Pay.
Rewards on your steps
25 FAB Rewards per 1,000 daily steps through STEPPI, from 6,000 steps a day up to a 10,000-step cap.
25+ free gyms
12-month ADV+ membership across 25+ UAE gyms and classes — free while you spend 3,000 a month on the card.
Sports shopping discounts
Up to 20% off Sun & Sand Sports online and 15% off sports facility bookings on Esmplay.
4 lounge visits a year
Complimentary access to 25+ regional and international lounges via the Mastercard Travel Pass app.
Purchase protection
Mastercard cover for theft or accidental damage up to 180 days from purchase (up to USD 2,000 per claim).
Pros and cons
- Genuinely novel: a free wearable payment ring that also pays you 25 FAB Rewards per 1,000 steps
- Accessible 5,000 minimum salary with a modest 315 annual fee
- 5x on sports MCCs and 2x base earn is decent for an entry-level rewards card
- 12 months of free gym access across 25+ UAE venues via ADV+
- 4 complimentary lounge visits a year via Mastercard Travel Pass
- FAB Rewards are worth roughly 3 per 1,000 — the 2x base earn is only about 0.6% back
- The 'free' gym access needs 3,000 card spend every month, else 100 per visit
- 3.99% monthly interest (47.88% APR) is among the highest in the UAE market
- Supermarkets, fuel, telecom, education and other daily categories earn just 0.5x
- Steps earning requires a 6,000-step daily minimum and caps at 10,000 steps
Is it right for you?
Get this card if
- You already spend on gyms, sports gear and classes — the 5x sports earn plus step rewards reward your existing routine.
- You want the ring and the ADV+ gym pass and will reliably spend 3,000 a month.
- You earn around 5,000–10,000 and want a cheap card with a few travel and lifestyle extras.
Consider skipping it if
- Your spending is mostly groceries, fuel and bills — those categories earn just 0.5x here.
- You want maximum value back on general spend — 2x FAB Rewards is only about 0.6%.
- You ever carry a balance — 3.99% a month is among the highest interest rates in the UAE.
Alternatives to consider
Free for life with 5x on online shopping, 20 movie tickets and dining discounts — the better FAB Rewards pick unless you live at the gym.
Best no-annual-fee cards →
FAB's cashback card pays up to 5% on key categories — simpler value than fitness-flavoured points.
Best cashback 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
What is the FAB Rewards Active card's annual fee?+
AED 315 including VAT (the bank advertises AED 300 before VAT). Under the current campaign, cards issued between 1 June and 31 August 2026 get the first-year fee waived if you spend AED 3,000 within 30 days of issuance.
How does the fitness payment ring work?+
The ring is free for life and issued once per primary cardholder. You register it through Tappy Pay in the FAB Mobile app, then use it for contactless payments; fitness data is tracked in the Tappy app. Once issued, it cannot be replaced or exchanged.
How do I earn FAB Rewards on my steps?+
Register the STEPPI app through FAB Mobile. You earn 25 FAB Rewards per 1,000 daily steps once you pass 6,000 steps in a day, with earning capped at 10,000 steps per day.
What does the card earn on regular spending?+
5 FAB Rewards per AED 1 on sports categories (sports stores, clubs, gyms, golf courses), 2 per AED 1 on other domestic and international spend, and 0.5 per AED 1 on supermarkets, fuel, telecom, education, government, utilities and similar categories. Monthly earning is capped at 50,000 FAB Rewards.
Is the gym access really free?+
You get a 12-month ADV+ membership covering 25+ gyms and fitness classes, but you must spend at least AED 3,000 on the card each month. If you miss the threshold, visits are charged at AED 100 each.
Does the card include airport lounge access?+
Yes — 4 complimentary visits per year to 25+ regional and international lounges through the Mastercard Travel Pass app.
Do FAB Rewards expire?+
Yes. FAB Rewards are valid for two years from the day they are earned, after which they are deducted from your account and cannot be re-credited.
What salary do I need to apply?+
A minimum monthly salary of AED 5,000.
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.