FAB Credit Card Apply: The Complete Step-by-Step Guide
Do you want to get rewarded just for buying your daily groceries? Imagine earning free movie tickets, getting cash back on your shopping, or earning free flight tickets for your next holiday. This is exactly what happens when you use a great bank card. First Abu Dhabi Bank, also known as FAB, is one of the biggest and most trusted banks in the United Arab Emirates. They offer some of the absolute best cards in the whole country.
If you are thinking about the FAB credit card apply process, you are in the exact right place today. Many people feel very scared or confused when they want to get a new bank card. They think the forms are too long or the rules are too hard to understand. But do not worry! It is actually super easy.
In this complete guide, I will walk you through every single step. We will talk about what papers you need, how to pick the best card, and how to finish your application in just a few minutes. Grab a cup of tea, sit back, and let us dive into the wonderful world of FAB cards!
Step-by-Step: FAB Bank Credit Card Apply Online
We live in a modern digital world! You do not need to drive your car to the bank and wait in a long line anymore. You can do the whole FabBank credit card apply online process from your comfortable couch. To securely access your new credit card dashboard to pay your bills and redeem reward points, simply proceed to the official FAB login portal.
Step 1: Go to the Official Website
Open your favorite web browser, like Google Chrome or Safari. Type in the official FAB website address. Make sure you are on the real website and not a fake one. Look for the little padlock symbol near the top of the screen.
Step 2: Find the Credit Cards Section
Look at the menu at the very top of the webpage. Click on the section labeled “Personal” and then look for “Cards.” Click on “Credit Cards.”
Step 3: Pick Your Favorite Card
You will see a big list of many different cards. Read about what each one does. Find the one that matches your salary and your lifestyle perfectly. Once you find the perfect one, click the button that says “Apply Now.”
Step 4: Fill in Your Details
A new electronic form will pop up on your screen. You need to type in your simple details. They will ask for your full name, your mobile phone number, and your email address. They will also ask how much money you make every month.
Step 5: Upload Your Papers
The website will ask you to attach your legal documents. You can just drag and drop the clear pictures of your Emirates ID, passport, and salary certificate right into the box.
Step 6: Submit and Wait
Double-check everything to make sure you spelled your name correctly. When you are ready, hit the “Submit” button! You will get a text message or an email with a special reference number. Keep this number very safe!
How to Apply for a FAB Credit Card Using the Mobile App
Do you love using your smartphone for everything? First Abu Dhabi Bank has an amazing mobile app that makes things even easier. If you want to learn how to apply, fab credit card apps make the steps super fast.
Go to the Apple App Store or the Google Play Store on your phone. Search for “FAB Mobile.” Download the official app with the blue and white logo.
Step 2: Open the App
If you already have a FAB bank account, you can just log in with your username and password. If you are a brand-new customer, look for a button that says “Join FAB” or “Apply for a Product.”
Step 3: Choose Your Card
Tap on the credit cards section. Scroll through the options on your bright screen. Tap on the one you want to learn more about it.
Step 4: Scan Your Emirates ID
The app has a really cool and smart feature. It will ask to use your phone’s camera. You just hold your Emirates ID in front of the camera, and the app reads all your details automatically! You do not even have to type your name.
Step 5: Answer a Few Questions
The app will ask you where you work and how much you earn. Type in the honest answers.
Step 6: Confirm Your Request
Review your application on the screen. Tap “Confirm.” The bank will review your file very quickly. Sometimes, you get an answer in just a few minutes!
After your physical credit card arrives in the mail, you can quickly activate it and set your new PIN by visiting an FAB ATM near you.
Visiting a Branch: The Offline Way to Apply
Some people do not like using computers. Some people like to look someone in the eye and shake their hand. If you prefer talking to a real human being, you can easily apply for fab credit card in person.
Find a Local Branch:
First Abu Dhabi Bank has branches all over the UAE. You can easily find them in Abu Dhabi, Dubai, Sharjah, and everywhere else. You can find them inside big shopping malls or on busy streets.
Bring Your Original Papers:
When you go to the bank, you must bring your physical documents. Bring your real Emirates ID, your real passport, and your printed salary letter.
Talk to an Agent:
Walk inside and take a paper ticket. When they call your number, sit down with the friendly bank agent. Tell them you want to open a new credit card today.
The agent will print out the paper forms for you. They will help you fill in all the blank boxes perfectly. They will take copies of your ID and passport. They will answer any questions you have right there on the spot. It is a very safe and comfortable way to do things.
Why Should You Apply for FAB Credit Card Today?
Before we talk about the forms and the rules, let us talk about the fun stuff. Why do so many people in the UAE love First Abu Dhabi Bank? Why should you want one of their cards in your wallet? If you want to apply for fab credit card, here are the biggest reasons why people love them:
Amazing Cashback Rewards
When you spend your hard-earned money, the bank actually gives some of it back to you! If you buy food at the supermarket or pay your electric bill, you earn points. You can turn these points into real cash. It is like getting a fun discount on everything you buy.
Awesome Travel Miles
Do you love taking airplanes to visit new countries? Many FAB cards give you special travel miles. You earn miles every time you swipe your card. Later, you can use these miles to get completely free airplane tickets.
Cool Lifestyle Perks
FAB loves to spoil their loyal customers. Many of their cards give you “Buy One, Get One Free” movie tickets at the local cinema. Some cards even give you free access to fancy airport lounges. This means you can eat free snacks and relax in big comfy chairs while you wait for your long flight.
It Builds Your Credit Score
When you borrow money and pay it back on time, the bank trusts you more. This builds your official credit score. Think of this like a school report card for your money. Having a high credit score helps you buy a big house or a nice car later in life.
Important Rules: Who Can Get a Card?
Banks cannot just give a card to everyone who asks. They have a few simple rules you must follow. When you are ready to apply, fab credit card rules are actually very simple to understand. You need to make sure you match these rules first.
You Must Be the Right Age
You cannot get a card if you are still a kid! You must be at least 21 years old to apply as a main cardholder. Sometimes, the bank lets you be up to 60 or 65 years old.
You Must Live in the UAE
You need to be a legal resident of the United Arab Emirates. This means you must have a valid Emirates ID card.
You Must Have a Regular Job
The bank wants to know that you can pay them back. Because of this, you must have a regular salary coming into your bank account every single month.
You Must Meet the Minimum Salary
Every card has a different rule for how much money you need to make. For a basic card, you usually need to earn at least AED 5,000 every month. For the super fancy cards with lots of travel perks, you might need to earn AED 15,000 or even AED 30,000 a month. Always check the salary rule before you pick a card.
Gather Your Papers: What Documents Do You Need?
When you go to school, you need your backpack and your books. When you apply for a bank card, you need your personal papers. Having these papers ready will make the whole process super fast.
Here is exactly what you need to gather today:
- Your Original Emirates ID: This is the most important piece of plastic you own. The bank needs to see a picture of the front and the back of it.
- Your Passport Copy: You need a very clear picture of the photo page inside your passport.
- Your UAE Visa Page: If you are an expat living in the UAE, the bank needs to see your valid residence visa.
- A Salary Certificate: This is a typed letter from your boss. It proves where you work and exactly how much money you make each month. It should be less than 30 days old.
- Recent Bank Statements: The bank usually wants to see your bank account history for the last three months. They want to see your salary actually going into your account.
Make sure all your pictures and copies are very clear. If the picture is blurry or dark, the bank might reject your form!
If you are consistently impressed by the bank’s innovative financial products and customer service, you might even want to explore the latest FAB careers.
Which Card Should You Pick? (A Quick Comparison)
FAB has so many cards! It can feel a little bit confusing at first. To help you decide, here is a simple table showing some of their most popular options and the best entities they partner with.
Name of the Card | Minimum Salary Needed | Best Feature of this Card | Who is this Card Best For? |
FAB Cashback Card | AED 5,000 | Get up to 5% cash back on grocery shopping and utility bills. | People who want to save money on daily home expenses. |
FAB Share Card | AED 5,000 | Earn SHARE points to spend at the Mall of the Emirates and Carrefour. | Shoppers who love visiting Majid Al Futtaim malls. |
FAB Travel Card | AED 15,000 | Earn huge travel miles and get free airport lounge access. | People who love taking airplanes and going on long holidays. |
Abu Dhabi Platinum | AED 10,000 | Amazing lifestyle offers, free valet parking, and movie tickets. | People who want premium perks and a fancy lifestyle. |
Remember: The bank changes its offers sometimes. Always read the official website to see the newest rules and rewards before you make your final choice. If your wages are paid through the WPS system, learn how to check your Ratibi card salary online to verify if you meet the minimum income requirements for a credit card.
Top Tips to Get Approved Much Faster
Nobody likes waiting. You want your card right now! If you want your fab credit card apply process to be lightning fast, you should follow these top-secret tips today.
Tip 1: Never Lie on the Form
Always tell the absolute truth. Do not say you make AED 20,000 if you only make AED 8,000. The bank will check your salary certificate. If they catch you lying, they will reject your application instantly, and they might never trust you again.
Tip 2: Pay Your Old Debts First
Do you already have three other cards from different banks? Do you owe a lot of money on a car loan? The bank can see all of this. If you have too much debt, they will say no. Try to pay off your old bills before you apply for a new card.
Tip 3: Make Sure Your Documents are Valid
Check the dates on your papers. Is your Emirates ID expired? Is your visa expiring next week? The bank will not approve you if your legal papers are out of date. Go renew your ID before you apply.
Tip 4: Answer Your Phone
After you submit your application online, a person from the bank will usually call you on your mobile phone. They just want to ask you one or two simple questions to verify your identity. If you ignore unknown numbers, your application will just sit there and get stuck. Pick up the phone!
Understanding fees
Credit cards are super fun, but they are not entirely free. The bank makes money by charging tiny fees. You need to understand these fees so you do not get an ugly surprise later.
The Annual Fee:
Some fancy cards charge you money just to keep the card in your pocket. This is called an annual fee. It might be AED 300 or AED 1,000 a year. However, FAB also has many “Free for Life” cards! This means they never charge you a yearly fee. Always check this before you pick your card.
The Late Payment Fee:
This is the most important rule of all! When the bank sends you your monthly bill, you MUST pay it before the due date. If you pay even one day late, they will charge you a heavy late payment fee. It is usually around AED 200 or more.
The Interest Rate:
If you buy a new TV for AED 2,000, but you only pay the bank back AED 500 this month, the bank charges you extra money on the rest. This extra money is called an interest rate. It can add up very fast. The smartest thing you can do is pay your entire bill perfectly full every single month. If you do this, you never pay any interest!
What Happens When Your Card Finally Arrives?
Hooray! The bank sent you a text message saying you are approved. A few days later, a friendly delivery driver knocks on your door and hands you an envelope. You open it up, and there is your brand-new, shiny FAB credit card.
Wait! You cannot go to the mall and use it yet. The card is “sleeping.” You have to wake it up. This is called activation.
Step 1: Activate the Card
You can do this by using the FAB mobile app. Log in, go to the cards section, and tap “Activate Card.” You can also do this by sending a simple SMS from your registered mobile phone to the bank’s special number. The instructions are always printed on a sticker right on the front of the new card.
Step 2: Set Your Secret PIN Code
You need a 4-digit secret password to buy things in stores. Do not pick 1-2-3-4 or your birthday! Pick four random numbers that only you know. You can set this PIN code inside the mobile app or by calling the customer service number. Memorize it in your head and never write it down on the card itself.
Step 3: Sign the Back
Grab a black pen and sign your name on the white strip on the back of the card. This proves the card belongs to you.
Now, you are finally ready to go shopping and start earning those amazing rewards! If you find that you do not qualify for a traditional credit card yet, conducting an FAB prepaid card enquiry is a fantastic alternative for secure everyday shopping.
How to Check Your Application Status
Okay, you completed the Fab Credit Card apply online steps. You hit submit. Now you are just waiting. How do you know if you are approved or rejected?
It is very easy to check your status.
When you applied, the bank gave you a special “Reference Number.” Keep this safe! You can simply call the FAB customer service telephone number. When the robot voice asks what you want, say “Check application status.” Type in your reference number on the keypad. The robot will tell you exactly what is happening.
Sometimes, the bank needs an extra piece of paper. They will send you an SMS text message if they need a clearer picture of your passport.
Usually, the entire process takes about 3 to 5 business days. If there is a long holiday weekend, it might take a tiny bit longer. Just be patient!
What is a credit limit? (And How is it Decided?)
When you get your shiny new card in the mail, it will come with a “Credit Limit.” What does this mean exactly?
A credit limit is the maximum amount of money the bank lets you borrow at one time. If your limit is AED 10,000, you cannot buy a car that costs AED 20,000 with your card. The card will simply decline at the register.
How does the bank decide your limit? They look at your salary! If you make a small salary, they give you a small limit to keep you safe. If you make a massive salary, they give you a huge limit. They also look at your official credit score. If you are very responsible with money, they trust you with a bigger limit.
Conclusion
Getting a new bank card does not have to be a scary or confusing adventure. Now you know absolutely everything about the fab credit card apply process.
You know why First Abu Dhabi Bank is such a great choice, from their amazing cashback rewards to their fun movie tickets. You know exactly which papers you need to gather, such as your Emirates ID and your salary letter. You even know the easiest ways to apply, whether you want to click buttons on their website, tap the screen on their mobile app, or shake hands with an agent at the local branch.
Remember, a credit card is a fantastic tool if you use it correctly. Always pay your full bill on time every single month. Never borrow more money than you can actually afford to pay back. If you follow these simple rules, your new FAB card will bring you amazing rewards and help you build a super-strong financial future in the UAE.
Frequently Asked Questions
How to apply: Fab Credit Card rules seem strict if my salary is only AED 4,000?
Most standard FAB cards require a minimum salary of AED 5,000. If your salary is AED 4,000, you might get rejected for a standard card. However, you can visit a branch and ask about getting a card secured against a fixed deposit in your bank account.
Can I do a fab credit card apply online if I am self-employed?
Yes! If you own your own business, you can still apply. But the documents are a little different. Instead of a salary certificate, the bank will ask to see your trade license and your company’s bank statements.
How long does it take to get the physical card?
After the bank says “Yes” and approves your application, it usually takes about 3 to 5 working days for the courier to deliver the plastic card right to your home or office door in Dubai or Abu Dhabi.
Is it totally safe to upload my Emirates ID on the website?
Yes, it is extremely safe. FAB uses top-level computer security to protect your data. Just make sure you are definitely on the official website and not a weird link you found in a random email.
What happens if my application is rejected?
Do not panic. It happens to many people. Usually, it means you have too much old debt, your salary is too low, or you missed a payment on an old loan. Wait at least three to six months before you try to apply for a card again. Use that time to pay off your old debts and clean up your credit score.
