FAB SHARE Infinite Credit Card
8% back at MAF brands + unlimited lounge access
at FAB's secure site
10,000 bonus SHARE points credited on physical card activation. See rates & fees.
Rewards rate
Eight percent back on groceries and malls is the highest ecosystem earn in the UAE, and unlimited lounge access with a guest at 1,050 undercuts most premium travel cards. But this is a specialist: the moment you step outside Majid Al Futtaim's brands the card turns ordinary, and the 'no limits' marketing quietly caps at 100,000 points a month. Pair it with a strong general-spend card and it's superb.
Earning and spending SHARE points
The card earns 8% value back in SHARE points at Carrefour (in-store and online), on everything at Mall of the Emirates and all City Centres, and at MAF experiences like VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai and Little Explorers. Other UAE spending earns 1.5% and international spending 2% (largely offset by the 2.61% FX fee), while low-margin categories — utilities, fuel, other supermarkets, education, government, rent, insurance — earn just 0.15%. Earning is capped at 100,000 points ( 10,000) a month, and 10,000 bonus points land when you activate the physical card.
SHARE is Majid Al Futtaim's loyalty programme: 1 point = 0.10, flat. You redeem by paying with points — or cash plus points — at 5,000+ stores, restaurants and attractions across MAF malls and brands via the SHARE app. There are no transfer partners and no cashback conversion: the points are only worth something where MAF operates.
Rates and fees
- Annual fee
- 1,050 including VAT — supplementary cards free
- Interest rate
- 3.99% per month on purchases and cash advances (47.88% APR)
- Minimum salary
- 25,000 per month
- Foreign transaction fee
- Up to 2.61% plus VAT and scheme charges on international spend
- Cash advance fee
- Up to 3.15% plus VAT, minimum 157.50
- Late payment fee
- 241.50
- Overlimit fee
- 303.18
- Card network
- Visa Infinite
Rates verified against FAB's credit-card Schedule of Fees and the FAB SHARE T&C (August 2026); figures include 5% VAT. Always confirm on bankfab.com before applying.
Card benefits
8% at Carrefour
8% value back in SHARE points on every Carrefour shop, in-store or online — the highest grocery earn rate in the UAE.
8% across MAF malls
The same 8% on all spending at Mall of the Emirates and every City Centre, plus VOX, Ski Dubai, Magic Planet and other MAF experiences.
Unlimited lounge access
You and a guest enjoy unlimited free access to 1,300+ airport lounges worldwide, offered and supported by Visa.
10,000 points on activation
1,000 worth of SHARE points credited when you activate the physical card — recovering most of the first year's fee.
2-for-1 VOX tickets, x4
Buy one standard ticket, get one free, four times a month at any VOX Cinemas in the UAE — book online or in the app.
Points that spend like cash
1 SHARE point = 0.10. Pay with points, or cash plus points, at 5,000+ MAF stores, restaurants and attractions.
Pros and cons
- 8% value back at Carrefour and MAF malls is the UAE's top grocery-and-mall earn rate
- The 10,000-point activation bonus ( 1,000) covers most of the first year's fee
- Unlimited lounge access with a guest at 1,300+ lounges — rare at this fee level
- Four 2-for-1 VOX tickets a month plus a generous 100,000-point monthly earn cap
- Simple points: 1 SHARE point = 0.10, spendable like cash at MAF brands
- 1,050 a year demands heavy MAF spending — casual shoppers won't recoup it
- Outside MAF brands the earn is mediocre — 1.5% in the UAE, 2% abroad
- The 2.61% foreign transaction fee mostly cancels the 2% international earn
- Points only spend within the MAF ecosystem — no cashback, miles or transfers
- No published travel insurance or purchase protection despite the premium fee
Is it right for you?
Get this card if
- Your household puts 4,000+ a month through Carrefour, MAF malls and MAF attractions — 8% back at that level dwarfs the fee.
- You fly regularly and will use unlimited lounge access with a guest — that benefit alone rivals cards costing far more.
- You earn 25,000+ and want a premium card whose rewards you can spend like cash at places you already go.
Consider skipping it if
- Your MAF spending is moderate — the 525 Signature (6%) or free Platinum (4%) captures most of the value for less.
- You spend heavily abroad — the 2.61% FX fee mostly cancels the 2% international earn.
- You want flexible rewards or published travel insurance — SHARE points stay inside MAF, and no insurance cover is advertised.
Alternatives to consider
The 525 Signature keeps 6% at MAF brands and the cinema perk — you give up the lounge access and 2% of earn.
FAB SHARE Signature review →
ADCB's TouchPoints Infinite spreads premium earn across everyday categories instead of concentrating it in one mall group.
ADCB TouchPoints Infinite review →
FAB's Travel card charges a true 0% foreign transaction fee — a better companion for international spending than the Infinite's 2.61% markup.
Best travel 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 SHARE Infinite card's annual fee?+
AED 1,050 including VAT (the card page shows AED 1,000 before VAT). Supplementary cards are free.
What welcome bonus does the card offer?+
10,000 bonus SHARE points — worth AED 1,000 — credited when you activate your physical card. No spend requirement is advertised.
How does the lounge access work?+
You and one guest get unlimited free access to over 1,300 airport lounges worldwide. The service is offered and supported by Visa as part of the Visa Infinite benefits.
How much are SHARE points worth and where do they spend?+
1 SHARE point is worth AED 0.10. Redeem by paying with points, or cash plus points, at Mall of the Emirates, City Centres across the UAE and Majid Al Futtaim brands via the SHARE app.
Is points earning really unlimited?+
No. Despite the page's 'no limits' phrasing, FAB's own earning table caps SHARE points at 100,000 points (AED 10,000 in value) per month, or spending up to your credit limit, whichever is lower.
What does the card earn outside Carrefour and the malls?+
1.5% value back on other UAE spending and 2% on international spending. Selected categories — utilities, fuel, other supermarkets, education, government and similar — earn just 0.15%.
How does the VOX Cinemas offer work?+
Buy one standard 2D ticket and get one free, up to 4 times per calendar month, at any VOX Cinemas in the UAE. Online and mobile app bookings only; VIP, Pearl Suite, Premier and 3D shows are excluded.
What salary do I need to apply?+
A minimum monthly salary of AED 25,000.
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.