FAB Z Card
Stream, game and save — first year free
at FAB's secure site
See rates & fees.
Headline perks
Most youth cards are a logo and a discount page; the Z Card actually re-prices the things its audience buys — subscriptions, delivery, games and cinema — and undercuts the market on interest and FX fees too. Just respect the 3,000 monthly spend gate, because nearly every perk hides behind it.
Earning and the subscriptions discount
The card's real engine is the 20% cashback on subscriptions — Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid VIP — worth up to 50 a month across all six platforms combined. It only fires if you spent 3,000 on the card the previous calendar month, and credit lands within 30 days. On top sit a free year each of noon One and Careem Plus, activated in the partner apps.
General spending earns FAB Rewards, redeemable in the FAB Mobile app, but FAB doesn't publish the Z Card's base earn rate — so value the card on its discounts, its 1.99% interest rate, 5% minimum payment and 0% international transaction fee, not on points math.
Rates and fees
- Annual fee
- Free first year, then 105 incl. VAT; supplementary cards free
- Minimum salary
- 5,000 per month
- Interest rate
- 1.99% per month advertised as FAB's lowest (generic Schedule of Fees lists 3.99%)
- Minimum payment
- 5% of the statement balance
- Foreign transaction fee
- 0% — only card scheme charges apply
- Cash advance / late fee
- Up to 3.15% plus VAT (min 157.50) / 241.50
Rates per FAB's card page and Schedule of Fees, inclusive of VAT unless noted; verified August 2026 and subject to change by the bank.
Card benefits
20% off six platforms
Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid VIP subscriptions, capped at 50 back per month combined.
noon One + Careem Plus free
A full year of both memberships free — free delivery and perks on the two apps its audience already uses daily.
Virgin Megastore and Go Gamers
30% off Virgin Megastore (up to 150, twice a month, 500 min order) and 50% off gaming via Go Gamers.
0% FX fees
No international transaction fee on foreign spend — only the scheme's own charges — rare at this fee level.
Airport lounge access
Advertised free lounge access via Mastercard Platinum-tier benefits, though FAB publishes no visit limits for this card.
Low-cost credit
FAB's lowest interest rate at 1.99% per month with a 5% minimum statement payment and optional Credit Shield Pro.
Pros and cons
- FAB's lowest interest rate at 1.99% per month and a gentle 5% minimum payment
- No international transaction fee (only scheme charges apply)
- Free year of noon One and Careem Plus is real, everyday money for delivery-heavy users
- 20% off six major streaming/gaming platforms plus Virgin Megastore and cinema deals
- First year free and only 105 a year after
- The streaming discount is capped at 50 a month and needs 3,000 prior-month spend
- FAB Rewards earn rate on general spending is not published for this card
- Cinema and several perks also hinge on the 3,000 monthly spend gate
- Lounge access is advertised without any published program details or visit limits
- Memberships are forfeited if you close, upgrade or downgrade the card mid-year
Is it right for you?
Get this card if
- You're getting your first credit card on a 5,000+ salary
- Your spending lives in subscriptions, gaming, delivery apps and cinema
- You can put 3,000 a month on the card to keep the perks unlocked
Consider skipping it if
- You want a published, dependable rewards rate on every
- Your monthly spend often dips below 3,000
- You need premium travel perks with defined lounge entitlements
Alternatives to consider
Emirates NBD's noon One card is built entirely around noon spending rather than a one-year membership perk.
Best online shopping cards →
The FAB Cashback Card pays 5% on supermarkets, fashion and dining — better for household spending than subscription perks.
Best cashback cards →
FAB's BLUE Platinum stays free for life, not just the first year — a simpler no-fee digital card from the same bank.
Best no-annual-fee 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
Does the FAB Z Card have an annual fee?+
The first year is free. From year two the fee is AED 105 including VAT per FAB's Schedule of Fees, and supplementary cards are free.
How does the 20% streaming and gaming discount work?+
You get 20% cashback on eligible Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid VIP transactions, capped at AED 50 per calendar month across all six platforms combined. You must have spent AED 3,000 on the card in the previous calendar month, and cashback is credited within 30 days.
What are the noon One and Careem Plus benefits?+
Primary cardholders get one free year of each membership, activated in the noon and Careem apps using the card. They are non-transferable and forfeited if the card is closed, upgraded, downgraded or inactive during the membership period.
What interest rate does the FAB Z Card charge?+
FAB advertises its lowest rate, 1.99% per month, on the Z Card, with a 5% minimum statement payment. Note that FAB's generic credit card Schedule of Fees lists 3.99% per month for retail purchases, so confirm your rate in your card agreement.
Are there foreign transaction fees on the Z Card?+
FAB's Schedule of Fees states the Z Card's international transaction fee is 0%, with only the card scheme's own charges applying — one of the cheapest UAE cards to use abroad.
What is the minimum salary for the FAB Z Card?+
AED 5,000 per month, as stated on FAB's card page.
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.