FAB SHARE Platinum Credit Card
4% back at Carrefour and MAF malls — free for life
at FAB's secure site
See rates & fees.
Rewards rate
Judged inside the Majid Al Futtaim ecosystem, this is the best free card in the UAE: 4% back at Carrefour and the malls you probably already visit, in points that spend like cash. Judged outside it, there's almost nothing here — 0.75% on general UAE spend and 0.15% on essentials. Keep it as your dedicated Carrefour-and-mall card and it earns its wallet slot many times over.
Earning and spending SHARE points
The card earns 4% 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 0.75% and international spending 1%, while low-margin categories — utilities, fuel, other supermarkets, education, government, rent, insurance — earn just 0.15%. Earning is capped at 25,000 points ( 2,500) a month.
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
- 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 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 Platinum
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
4% at Carrefour
4% value back in SHARE points on every Carrefour shop, in-store or online — the strongest free grocery earn in the UAE.
4% across MAF malls
The same 4% on all spending at Mall of the Emirates and every City Centre, plus VOX, Ski Dubai, Magic Planet and other MAF experiences.
2-for-1 VOX tickets
Buy one standard ticket, get one free, once 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.
Free supplementary cards
Add family cards at no cost — their spending earns SHARE points into the primary cardholder's account.
Pros and cons
- No annual fee ever, at an accessible 5,000 salary
- 4% value back at Carrefour and MAF malls is excellent for a free card
- SHARE points are simple: 1 point = 0.10, spendable like cash at MAF brands
- Free supplementary cards, with all family spending pooling into one SHARE account
- Monthly 2-for-1 VOX cinema ticket
- Outside Majid Al Futtaim brands the card is weak — 0.75% in the UAE, 1% abroad
- Utilities, fuel, non-Carrefour supermarkets and similar categories earn just 0.15%
- Points only spend within the MAF ecosystem — no cashback, miles or transfers
- No sign-up bonus on this tier, and no travel or insurance benefits
- 3.99% monthly interest (47.88% APR) if you carry a balance
Is it right for you?
Get this card if
- Carrefour is your regular supermarket and MAF malls are your default weekend — 4% back, free, is unbeatable there.
- You want a no-cost second card dedicated to one ecosystem alongside your main earner.
- You earn 5,000–10,000 and want real rewards without an annual fee.
Consider skipping it if
- You shop at Lulu, Union Coop or Spinneys and rarely visit MAF malls — you'd earn 0.15–0.75% here.
- You want flexible rewards — SHARE points can't become cashback, miles or transfers.
- You ever carry a balance — 3.99% a month erases any points value fast.
Alternatives to consider
The 525 Signature tier lifts the MAF earn to 6% and adds 5,000 bonus points — worth it from roughly 26,000 a year of MAF spending.
FAB SHARE Signature review →
FAB's Cashback card pays up to 5% on groceries, dining and fashion anywhere — cash you can use on anything, not just MAF brands.
Best cashback cards →
Another free ecosystem card — Emirates Islamic's Amazon co-brand rewards Amazon.ae shopping the way SHARE rewards MAF malls.
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
What is the FAB SHARE Platinum card's annual fee?+
There is no annual fee — the card is free for life, and supplementary cards are free too.
How much are SHARE points worth?+
1 SHARE point is worth AED 0.10 — so 10,000 points equal AED 1,000. The card's 4% value back at Carrefour and MAF malls means AED 4 back in points for every AED 100 spent.
Where can I redeem SHARE points?+
At Mall of the Emirates, all City Centre malls across the UAE and Majid Al Futtaim brands — including Carrefour and VOX Cinemas. You can pay fully with points or combine cash and points through the SHARE app.
Is there a limit on how many points I can earn?+
Yes. Earning is capped at 25,000 SHARE points (AED 2,500 in value) per month, or spending up to your credit limit, whichever is lower.
What does the card earn outside Carrefour and the malls?+
0.75% value back on other UAE spending and 1% on international spending. Selected categories — utilities, fuel, other supermarkets, education, government and similar — earn just 0.15%.
What salary do I need to apply?+
A minimum monthly salary of AED 5,000.
Does the Platinum card get a sign-up bonus?+
No. Bonus SHARE points on activation are only offered on the SHARE Signature (5,000 points) and SHARE Infinite (10,000 points) tiers.
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.