The FAB SHARE Standard credit card is one of the most accessible options from First Abu Dhabi Bank. This card offers flexible benefits and is ideal for daily use, especially at MAF partner brands.
It includes no annual fee, instant rewards, and easy digital management. This guide shows you exactly how to apply online and understand the key features that come with it.
What You Need to Know About the Card?
This credit card is built around practical benefits and accessibility. The FAB SHARE Standard credit card links directly with the SHARE rewards program, letting you earn and redeem points effortlessly.
It has no annual fee, requires a minimum monthly salary of AED 5,000, and comes with global Visa coverage. The application is 100% digital.
Benefits That Matter
This card includes both lifestyle perks and protective features. The rewards system is designed to support frequent purchases at UAE-based retail and entertainment partners.
Everyday Rewards and Convenience
You earn SHARE points on all eligible spending. Points are especially generous at Carrefour and VOX Cinemas.
They can be redeemed through the SHARE app without waiting. This makes every purchase more valuable.
Protection While You Shop
You get built-in purchase protection. It covers loss, theft, or accidental damage on eligible items.
This protection is automatic when you use the card. It gives peace of mind for important purchases.
Built-In Travel Support
The card includes basic travel insurance. This applies when you book travel using your FAB card.
You’re covered for emergencies and trip interruptions. It’s a useful bonus for occasional travelers.
Smart Controls and App Features
Manage everything through the FAB mobile app. You can check balances, lock the card, or set spending limits.
Contactless payments are also enabled by default. These features make daily use faster and more secure.
Who’s Eligible to Apply?
You must meet all eligibility conditions to qualify. These requirements are based on residency, income, and program membership.
Minimum Income Requirement
Applicants must earn at least AED 5,000 per month. This must be shown with recent proof of income. Lower salaries may not qualify for approval. This rule ensures repayment ability.
UAE Residency Status
You must be a legal resident of the UAE. A valid Emirates ID is required for verification. Applications without it will be rejected. Residency is non-negotiable for FAB credit cards.
SHARE Membership
You need a SHARE rewards account. The card connects directly to this system. Enter your SHARE ID during the application. You won’t receive points without it.
Age and Employment
Applicants should be 21 or older. You must be employed full-time or provide income proof.
Recent hires can apply if their salary meets the threshold. Freelancers should provide consistent bank statements.
Required Documents to Prepare
Make sure to collect all required paperwork in advance. Submitting incomplete documents may delay your application.
Emirates ID Copy
You must provide a valid Emirates ID. Both front and back images are needed. The ID must not be expired. It confirms your identity and residency.
Proof of Income
Submit a salary certificate or official income letter. This should come from your employer and be signed.
Alternatively, you may submit verified pay slips. The document must show your monthly earnings.
3-Month Bank Statement
Include your most recent three months of bank statements. These help verify financial stability.
Make sure the statements are clear and readable. PDF format is preferred.
SHARE Rewards ID
A SHARE ID is mandatory. This links your card to the rewards program.
You can create a new ID during the application. Without it, reward features won’t activate.
Key Features That Make It a Smart Pick
The FAB SHARE Standard Credit Card includes several advantages. These features are optimized for users who spend consistently in the UAE.
1. Free for Life
There are no annual or renewal fees. This makes the card affordable over time, especially for low to mid-level spenders.
2. SHARE Points on Spending
You earn points instantly when shopping with MAF brands. Points can be tracked and redeemed using the SHARE mobile app.
3. Travel & Purchase Protection
The card includes free basic travel insurance. You also get fraud protection and support for lost or stolen cards.
4. Contactless and App-Based Controls
Pay quickly using tap features. Manage limits, track expenses, and lock the card via the FAB app.
5. Supplementary Cards
Request additional cards for family use. You control spending limits from the primary cardholder account.
Interest Rates and Common Fees
Understanding the cost is essential before you apply. FAB offers competitive rates, but charges may still apply depending on usage.
- Retail Interest Rate: Around 3.75% per month if balances are carried over.
- Cash Advance Fee: AED 100 or 3.15%, whichever is higher.
- Foreign Exchange Fee: 2.49% to 2.99% on international transactions.
- Late Payment Fee: AED 241 if you miss the due date.
- Review the full “Schedule of Charges” on FAB’s website for accuracy.
Step-By-Step Application Process
You can apply for this card directly through FAB’s online system. It’s fast and user-friendly. You must complete each step in order to get approved.
- Go to the official FAB website or mobile app and find the FAB SHARE Standard Credit Card.
- Confirm your SHARE membership by entering your SHARE ID or creating a new one.
- Fill in your personal contact details, such as name, phone number, and email.
- Enter your Emirates ID information and authenticate it via SMS or email.
- Upload required documents: Emirates ID, salary certificate, and 3-month bank statement.
- Complete any remaining questions, agree to terms, and submit your application.
How to Get the Most From Your Card
Maximizing the value of this card is simple with a few habits. Use it regularly at MAF partner stores like Carrefour, Magic Planet, and VOX Cinemas.
Always check for bonus SHARE offers in the app to earn faster. Try to pay your full balance every month to avoid interest. Redeem your points frequently before they expire.
Contact Support
Need help during the application? Call 600 52 5500 if you’re in the UAE. You can also email [email protected]. Support is also available via live chat on the FAB website or app.
Final Thoughts: Is This the Right Card for You?
The FAB SHARE Standard Credit Card is a great fit for UAE residents who want a fee-free, rewards-based card. The FAB SHARE Standard credit card gives you useful perks without complicating your budget.
If you meet the income requirement and shop at MAF brands, this is a smart pick. The online application is fast, and approval can happen in just a few days.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with FAB before applying.
