First Abu Dhabi Bank credit cards
First Abu Dhabi Bank P.J.S.C is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: interest on purchases and cash 3.99% a month (47.88% a year); 1% more while the account is past due.
First Abu Dhabi Bank P.J.S.C is on the Central Bank of the UAE’s register as a national bank licensed for conventional retail banking in Abu Dhabi.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a First Abu Dhabi Bank credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Interest on purchases and cash | 3.99% a month (47.88% a year); 1% more while the account is past due |
| Minimum payment | 5% of the total outstanding plus the full over-limit amount, or AED 100, whichever is higher |
| Late payment fee | AED 241.50 |
| Over-limit fee | AED 303.19 |
| Cash advance fee | 3.15% or up to AED 157.50, whichever is higher |
| Foreign currency fee | Up to 2.74% plus scheme charges |
| Balance transfers and instalment plans | Up to 4% fee plus up to 2.75% a month on the principal; early settlement 1.05% or AED 10,500, whichever is lower |
| Card replacement | Up to AED 78.75 |
| Liability letter | AED 52.50 |
| Dispute verification charge | AED 105 |
The figures come from Conventional Cards Key Facts Statement (September 2026).2
FAB’s key facts statement says it gives 60 days’ written notice before changing terms, and that you can take a complaint to Sanadak if FAB does not resolve it within 15 calendar days.2
What salary do you need for a First Abu Dhabi Bank card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.3 First Abu Dhabi Bank publishes these minimums:45
| Card | Minimum monthly salary |
|---|---|
| FAB Cashback Credit Card | AED 5,000 |
| Etihad Guest credit cards | From AED 8,000 |
How do you complain to First Abu Dhabi Bank?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules First Abu Dhabi Bank must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.6 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
6
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2First Abu Dhabi Bank, Conventional Cards Key Facts Statement, September 2026. Last checked 12 Nov 2026. Source document: Conventional Cards Key Facts Statement
3Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
4First Abu Dhabi Bank, FAB Cashback Credit Card. Last checked 12 Nov 2026. Source document: FAB Cashback Credit Card
5First Abu Dhabi Bank, Credit cards. Last checked 12 Nov 2026. Source document: Credit cards
6Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published