FAB Rewards Indulge Card
5x online rewards on a free-for-life card
at FAB's secure site
No annual fee, ever. Terms apply. See rates & fees.
Rewards rate
Free cards usually earn nothing and offer less; the Indulge breaks that rule. 5x on all online spending plus 20,000 bonus Rewards at 10,000 monthly spend is genuinely strong for zero fee — and the 20 cinema tickets and 150-restaurant dining programme are perks you'll actually use. Just don't kid yourself about the 1x base rate: offline, this earns about 0.3%.
Earning and redeeming FAB Rewards
Every online transaction earns 5 FAB Rewards per 1 — FAB defines this by the network's online flag, so it covers everything from Amazon to food delivery apps. Other spending earns 1 per 1, with daily-essentials categories (supermarkets, fuel, telecom, education, government, utilities) at 0.5. Regular earning caps at 50,000 Rewards a month, and hitting 10,000 monthly retail spend adds a 20,000-Reward bonus (max 240,000 a year).
FAB Rewards are worth roughly 3 per 1,000. Redeem 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
- 0 — free for life, supplementary cards also free
- 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
- Monthly bonus
- 20,000 FAB Rewards on 10,000 cumulative monthly retail spend (max 240,000/year)
Rates verified against FAB's credit-card Schedule of Fees, the card benefits T&C and the FAB Rewards T&C (August 2026); most figures include 5% VAT. Always confirm on bankfab.com before applying.
Card benefits
5x online rewards
5 FAB Rewards per 1 on every online purchase, at home or abroad — the card's core engine.
20,000 monthly bonus
Spend 10,000 in a month and collect 20,000 bonus FAB Rewards, worth roughly 60.
20 movie tickets
Standard 2D tickets at Cine Royal, Star and Reel — first 4 each month with 3,000 monthly spend.
150+ restaurant discounts
Up to 20% off a la carte dining across the UAE for up to 8 diners including the cardholder.
20% off Namshi
Automatic 20% discount on Namshi orders over 300, up to 100 off, twice a month.
Airport lounge access
Advertised as free on the card page — FAB doesn't publish programme or visit details, so confirm before travelling.
Pros and cons
- Genuinely free for life with a low 5,000 salary requirement
- 5x on all online spending is a strong everyday rate for a no-fee card
- 20,000 monthly bonus Rewards (~ 60 value) just for hitting 10,000 spend
- Practical lifestyle perks: 20 cinema tickets, 20% off Namshi and 150+ restaurants
- Lounge access on a card with no annual fee
- Base earn outside online spend is just 1x — roughly 0.3% back
- The 20 cinema perk needs 3,000 card spend in the month
- 3.99% monthly interest (47.88% APR) punishes any carried balance
- Lounge access details (programme, visits) are not published anywhere
- Supermarkets, fuel, telecom and other daily categories earn only 0.5x
Is it right for you?
Get this card if
- A big share of your spending is online — 5x there is excellent for a free card.
- You spend 10,000+ a month and will collect the 20,000-Reward bonus reliably.
- You want dining, cinema and attraction discounts without paying an annual fee for them.
Consider skipping it if
- Your spending is mostly in-store groceries, fuel and bills — those earn 0.5–1x here.
- You want guaranteed, documented lounge access — this card's allowance isn't published.
- You carry a balance — 3.99% a month wipes out any rewards value fast.
Alternatives to consider
Emirates NBD's noon One card pays its best rates inside the noon ecosystem — a sharper tool if that's where your online money goes.
Best online shopping cards →
FAB's own cashback card converts spending into straightforward cash categories instead of points — for 315 a year.
Best cashback cards →
FAB's fitness card adds a free payment ring, step rewards and 25+ free gyms for 315 a year — 5x on sports instead of online.
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 FAB Rewards Indulge Card have an annual fee?+
No — the card is free for life for both primary and supplementary cards, per FAB's Schedule of Fees.
What does the card earn?+
5 FAB Rewards per AED 1 on online (e-commerce) spending, 1 per AED 1 on other domestic and international spending, and 0.5 per AED 1 on categories such as supermarkets, fuel, telecom, education, government and utilities. Monthly earning is capped at 50,000 FAB Rewards.
How does the 20,000 monthly bonus work?+
Spend a cumulative AED 10,000 on retail in a calendar month and you receive 20,000 bonus FAB Rewards. The bonus is capped at 240,000 FAB Rewards per calendar year.
How do the AED 20 movie tickets work?+
Standard 2D tickets cost AED 20 at Cine Royal, Star Cinemas and Reel Cinemas on the first 4 tickets each calendar month, provided you spend at least AED 3,000 on the card that month. Extra tickets are charged at full price.
How does the Namshi discount work?+
Pay with the card on Namshi.com or the app and 20% comes off automatically — minimum spend AED 300, maximum discount AED 100 per order, two orders per month. Not valid with wallets, gift cards or BNPL.
Does the card include lounge access?+
The card page advertises free airport lounge access, but FAB does not publish the programme, lounge count or visit allowance for this card — confirm details with the bank before counting on it.
What can I redeem FAB Rewards for?+
Cashback, e-vouchers and the FAB Rewards Shop, travel via cleartrip.ae and musafir.com, utility-bill payments, instant in-store redemption, or conversion to Skywards Miles, Etihad Guest Miles and Shukrans. Rewards expire after two years.
What salary do I need?+
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.