FAB Rewards Program: Earn Extra Cash & Perks
April 22, 2026 5:19 pm
The FAB Rewards Program is First Abu Dhabi Bank’s flagship loyalty initiative, designed to transform everyday banking into a rewarding experience. Whether you’re swiping a credit card, sending money abroad, or simply registering for digital banking, every interaction earns you valuable points.
In this complete guide, discover 7 proven strategies to maximize your FAB Rewards—from elite debit card perks to high-limit credit cards and learn exactly how to redeem your points for cashback, travel miles, and exclusive vouchers in the UAE.
What Is the FAB Rewards Program?
The FAB Rewards Program is First Abu Dhabi Bank’s (FAB) exclusive loyalty programme designed to reward customers who actively use multiple banking products. As the UAE’s largest bank, FAB has built one of the most comprehensive rewards ecosystems in the region, allowing customers to earn points on everything from credit card swipes to digital banking registration.
Unlike basic cashback schemes, FAB Rewards operates across credit cards, debit cards, digital banking channels, loans, and account balances. This means every dirham you spend or save can translate into tangible benefits—whether that’s cashback, travel miles, or retail vouchers.
Key Fact: FAB customers can earn rewards through card transactions, account balances, personal loans, auto loans, and home loans, making it a true lifestyle banking programme.
How to Earn FAB Rewards: 7 Proven Methods
1. First-Time Digital Banking Registration
New users who register on the FAB Mobile app or online banking for the first time receive 1,000 FAB Rewards instantly. Note: This offer is typically reserved for Elite customers, so check your eligibility before registering.
2. International Remittances
Sending money abroad? FAB Rewards members earn:
- 600 FAB Rewards per international remittance (Elite customers)
- 500 FAB Rewards per remittance (standard customers)
- Monthly caps apply: 3,000 rewards for Elite, 2,500 for others
3. Standing Instruction Bill Payments
Set up a new standing instruction for bill payments and earn 2,000 FAB Rewards (Elite customers) upon the first successful payment. This is one of the easiest “set and forget” methods to boost your balance.
4. Debit Card Spending
Your everyday purchases can generate significant rewards. Here’s the breakdown:
| Card Type | Domestic Spend (per AED 100) | Foreign Spend (per AED 100) |
|---|---|---|
| FAB World Elite Debit Card | 60 Rewards | 120 Rewards |
| FAB Global Debit Card | 60 Rewards | 120 Rewards |
| FAB One Platinum Debit Card | 40 Rewards | N/A |
Note: World Elite and Global cards offer identical reward structures .
5. Credit Card Spending
FAB offers six credit card tiers within the Rewards ecosystem, each with different earn rates:
| Credit Card | Earn Rate (Local/Int’l) | Gaming Spend | Monthly Cap |
|---|---|---|---|
| FAB World Credit Card | 5 Rewards/AED | 5 Rewards/AED | 600,000 |
| FAB World Elite Credit Card | 5 Rewards/AED | 5 Rewards/AED | 600,000 |
| FAB Rewards Elite Credit Card | 4 Rewards/AED | 5 Rewards/AED | 150,000 |
| FAB Rewards Infinite Credit Card | 4 Rewards/AED | 5 Rewards/AED | 150,000 |
| FAB Rewards Signature Credit Card | 2 Rewards/AED | 5 Rewards/AED | 75,000 |
| FAB Platinum Credit Card | 1 Reward/AED | 5 Rewards/AED | 50,000 |
Data sourced from FAB official programme documentation.
6. Account Balance Rewards
FAB Rewards isn’t just for spenders. You can earn rewards simply by maintaining a healthy account balance. The more you save, the more you earn—turning your savings account into a passive income generator.
7. Loan Products
Apply for a Personal, Auto, or Home loan through FAB digital channels and accelerate your rewards accumulation significantly.
FAB Rewards by Debit Cards
Debit cards are often overlooked in rewards programmes, but FAB makes them surprisingly lucrative.
The Standout Options:
- FAB World Elite Debit Card: Best for frequent travelers. Earn 120 rewards per AED 100 on foreign currency spending—double the domestic rate .
- FAB One Platinum Debit Card: A solid everyday option with 40 rewards per AED 100 spent domestically .
Pro Tip: If you travel regularly, prioritize the World Elite or Global debit cards. The foreign spend multiplier makes them significantly more valuable than standard options.
FAB Rewards by Credit Cards
Credit cards are where the FAB Rewards Program truly shines. With six dedicated rewards cards and additional co-branded options, there’s a card for every lifestyle.
Best for High Spenders: FAB World / World Elite
- 5 rewards per AED 1 on all spending
- 600,000 monthly cap—the highest in the programme
- Ideal for customers with monthly spends above AED 50,000
Best for Gamers: FAB Rewards Elite / Infinite
- 5 rewards per AED 1 on gaming transactions
- 4 rewards per AED 1 on other spend
- Monthly cap of 150,000 rewards
Best for Everyday Use: FAB Platinum Credit Card
- 1 reward per AED 1 on regular spend
- 5 rewards per AED 1 on gaming
- 50,000 monthly cap—perfect for moderate spenders
New for 2026: FAB launched the FAB Rewards Indulge Card a lifetime-free card offering 20,000 bonus rewards monthly when you spend AED 10,000 or more, plus 5 rewards per AED on online purchases .
How to Redeem FAB Rewards?
Redeeming your FAB Rewards is straightforward through the FAB Mobile app or Online Banking. Here’s the exact process:
Step 1: Access Your Rewards
Log in to the FAB Mobile app and tap the “Rewards” section from the main dashboard.
Step 2: Browse Categories
FAB Rewards can be redeemed across multiple categories:
- Cashback (direct to your account)
- Vouchers & Gift Cards (Amazon, Noon, Carrefour, etc.)
- Etihad Guest Miles (travel rewards)
- Utility Bill Payments
- Travel Bookings
- In-Store Shopping at partner locations
Step 3: Select Your Reward
Choose your preferred redemption option. For cashback, select the amount and confirm. For vouchers, you’ll receive a digital code instantly.
Step 4: Confirm & Enjoy
Most redemptions are instant. Cashback typically credits within 1–2 business days.
Important Update (2025): The FAB Rewards to Emirates Skywards points exchange is temporarily unavailable from May 29, 2025, due to system upgrades. Etihad Guest Miles remain fully operational.
FAB Rewards Benefits & Drawbacks
Benefits
| Benefit | Details |
|---|---|
| Multi-Product Earning | Earn on cards, loans, balances, and digital banking |
| Instant Redemption | Most rewards available immediately via app |
| No Expiry | Rewards typically don’t expire as long as account is active |
| Wide Redemption Options | Cashback, miles, vouchers, bill payments, travel |
| Elite Bonuses | Higher earn rates for premium customers |
| Digital Access | Manage everything through FAB Mobile app |
Drawbacks
| Drawback | Details |
|---|---|
| Elite Favouritism | Best rates reserved for Elite customers |
| Monthly Caps | High spenders may hit limits (e.g., 600,000 on World cards) |
| Emirates Skywards Pause | Temporarily unavailable as of May 2025 |
| Complex Tiers | Six credit card options can confuse new users |
| Minimum Spend Requirements | Some cards require AED 3,000+ monthly spend to activate rewards |
Common Mistakes to Avoid
Mistake 1: Ignoring the Monthly Cap
Many users don’t realize that FAB Rewards have monthly maximums. If you’re a high spender, the FAB World card’s 600,000 cap is your best bet. Hitting the cap on a lower-tier card means leaving rewards on the table .
Mistake 2: Not Setting Up Standing Instructions
The 2,000 reward bonus for bill payment standing instructions is essentially free money. Yet many customers manually pay bills each month and miss out.
Mistake 3: Using the Wrong Card Abroad
Standard debit cards earn only 40 rewards per AED 100 domestically and may not offer foreign multipliers. Always use your World Elite or Global Debit Card when traveling to earn 120 rewards per AED 100.
Mistake 4: Missing First-Time Registration Bonuses
If you’re new to FAB digital banking, register through the official app—not a branch—to ensure you receive the 1,000 welcome rewards.
Mistake 5: Not Checking Elite Status
Elite customers receive 20% more rewards on remittances and bill payments. If you qualify for Elite status but haven’t activated it, you’re losing significant value.
FAQs About FAB Rewards Program
How Do You Get Rewards on FAB?
You earn FAB Rewards by using FAB banking products: credit cards, debit cards, digital banking, loans, and maintaining account balances. Specific actions like international remittances, standing instruction setups, and first-time app registration offer bonus rewards.
How Do I Convert My FAB Rewards?
FAB Rewards can be converted to cashback, Etihad Guest Miles, retail vouchers, utility bill payments, travel bookings, or in-store purchases through the FAB Mobile app or Online Banking.
What Is the FAB Rewards Monthly Cap?
Monthly caps vary by card:
- FAB World/World Elite Credit: 600,000 rewards
- FAB Rewards Elite/Infinite: 150,000 rewards
- FAB Rewards Signature: 75,000 rewards
- FAB Platinum: 50,000 rewards
Do FAB Rewards Expire?
FAB Rewards generally do not expire as long as your account remains active and in good standing. However, always check the latest terms and conditions on the official FAB website.
Can I Transfer FAB Rewards to Airline Miles?
Yes, you can convert FAB Rewards to Etihad Guest Miles. However, the Emirates Skywards exchange is temporarily unavailable as of May 2025 due to system upgrades.
Conclusion
The FAB Rewards Program is one of the most comprehensive loyalty ecosystems in the UAE banking sector. By strategically using the right combination of debit cards, credit cards, and digital banking features, customers can turn everyday transactions into meaningful cashback, travel miles, and lifestyle perks.
