FAB SHARE Signature Credit Card
6% back at Carrefour and MAF malls + 5,000 bonus points
at FAB's secure site
5,000 bonus SHARE points credited on physical card activation. See rates & fees.
Rewards rate
Six percent back on groceries and mall spending is a headline few UAE cards can match — but it only applies inside Majid Al Futtaim's world. The activation bonus covers year one, so the real decision comes at renewal: put 26,000 a year through Carrefour and the malls and the Signature beats the free Platinum; spend less and you're paying 525 for a bigger number you don't use.
Earning and spending SHARE points
The card earns 6% 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% and international spending 1.5%, while low-margin categories — utilities, fuel, other supermarkets, education, government, rent, insurance — earn just 0.15%. Earning is capped at 50,000 points ( 5,000) a month, and 5,000 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
- 525 including VAT — supplementary cards free
- Interest rate
- 3.99% per month on purchases and cash advances (47.88% APR)
- Minimum salary
- 10,000 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 Signature
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
6% at Carrefour
6% value back in SHARE points on every Carrefour shop, in-store or online — one of the UAE's highest grocery earn rates.
6% across MAF malls
The same 6% on all spending at Mall of the Emirates and every City Centre, plus VOX, Ski Dubai, Magic Planet and other MAF experiences.
5,000 points on activation
500 worth of SHARE points credited when you activate the physical card — effectively covering the first year's fee.
2-for-1 VOX tickets, x3
Buy one standard ticket, get one free, three 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.
Free supplementary cards
Add family cards at no cost — their spending earns SHARE points into the primary cardholder's account.
Pros and cons
- 6% value back at Carrefour and MAF malls — among the highest grocery earns in the UAE
- The 5,000-point activation bonus ( 500) effectively covers the first year's fee
- Three 2-for-1 VOX tickets a month is a real, repeatable perk for families
- Simple points: 1 SHARE point = 0.10, spendable like cash at MAF brands
- Free supplementary cards pooling into one SHARE account
- 525 a year needs roughly 26,000 of annual MAF spending to beat the free Platinum tier
- Outside MAF brands the earn is ordinary — 1% in the UAE, 1.5% 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 lounge access or travel insurance despite the Visa Signature badge
Is it right for you?
Get this card if
- You put 2,000+ a month through Carrefour, MAF malls and MAF attractions — 6% back compounds fast at that level.
- Your family goes to the cinema often — three 2-for-1 VOX tickets a month is worth 100+ on its own.
- You want the activation bonus: 5,000 points wipe out the first year's fee.
Consider skipping it if
- Your MAF spending is under roughly 26,000 a year — the free SHARE Platinum's 4% nets you more.
- You want flexible rewards — SHARE points can't become cashback, miles or transfers.
- You expected Visa Signature travel perks — there's no lounge access or travel insurance here.
Alternatives to consider
The Infinite tier lifts the MAF earn to 8%, doubles the bonus to 10,000 points and adds unlimited lounge access with a guest.
FAB SHARE Infinite review →
The free Platinum tier keeps 4% at Carrefour and MAF malls with no fee — the better deal below 26,000 a year of MAF spending.
FAB SHARE Platinum review →
Emirates NBD's noon One card plays the same ecosystem game for noon, noon Minutes and noon Food orders instead of physical 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 Signature card's annual fee?+
AED 525 including VAT (the card page shows AED 500 before VAT). Supplementary cards are free.
What welcome bonus does the card offer?+
5,000 bonus SHARE points — worth AED 500 — credited when you activate your physical card. No spend requirement is advertised.
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 there a limit on how many points I can earn?+
Yes. Earning is capped at 50,000 SHARE points (AED 5,000 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% value back on other UAE spending and 1.5% 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 3 times per calendar month, at any VOX Cinemas in the UAE. It applies to online and mobile app bookings only and excludes VIP, Pearl Suite, Premier and 3D shows.
What salary do I need to apply?+
A minimum monthly salary of AED 10,000.
Signature or the free Platinum — which should I pick?+
Signature earns 2 percentage points more at MAF brands (6% vs 4%) and adds the 5,000-point bonus. After year one, you need roughly AED 26,000 a year of MAF spending for the extra earn to cover the AED 525 fee — below that, take the Platinum.
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.