The FAB Indulge Credit Card is designed for individuals who seek a rewarding lifestyle with a touch of luxury. Issued by First Abu Dhabi Bank (FAB), one of the largest financial institutions in the UAE, this card offers an impressive range of benefits across dining, travel, shopping, and entertainment. From exclusive discounts to complimentary airport lounge access, the FAB Indulge Credit Card aims to deliver a premium experience tailored for those who appreciate convenience, comfort, and perks with every transaction. Whether you’re a frequent traveler or a fine-dining enthusiast, this card has something for everyone.
Overview of the FAB Indulge Credit Card
What is the FAB Indulge Credit Card?
The FAB Indulge Credit Card is a lifestyle-oriented card created to provide maximum value to customers through its comprehensive suite of offers. It is targeted toward individuals who enjoy elite privileges and expect more from their credit card, including higher cashback, dining rewards, airport perks, and flexible payment plans.
Eligibility Requirements
To apply for the FAB Indulge Credit Card, applicants generally need to meet the following criteria:
- A minimum monthly salary requirement (usually AED 15,000 or more)
- Valid UAE residency status
- Clean credit history
Specific eligibility details may vary based on promotions or internal policies, so it’s best to check directly with FAB for current criteria.
Key Features and Benefits
Complimentary Airport Lounge Access
One of the standout features of the FAB Indulge Credit Card is free access to selected airport lounges. Cardholders can relax and unwind in comfort while waiting for their flights, making travel more enjoyable and stress-free.
Dining Offers and Discounts
FAB Indulge Credit Card holders enjoy a wide selection of dining discounts across popular restaurants in the UAE. Some offers include:
- Up to 20% off at participating fine-dining restaurants
- Buy-one-get-one-free deals on select menus
- Exclusive chef-curated dining experiences
Earn Reward Points on Every Spend
Customers earn FAB Rewards points every time they use the Indulge Credit Card. These points can be redeemed for:
- Flights and hotel bookings
- Shopping vouchers
- Utility bill payments
- Dining and entertainment
Easy Payment Plans
FAB offers easy installment plans with 0% interest at select partner outlets. This allows customers to convert large purchases into affordable monthly payments without additional cost, giving them better control over their finances.
Movie Tickets at Discounted Prices
With the FAB Indulge Credit Card, moviegoers can enjoy reduced ticket prices at select cinemas in the UAE. These discounts typically include:
- Buy-one-get-one-free movie tickets
- Monthly ticket caps with continued savings
Global Acceptance and Contactless Payments
The FAB Indulge Credit Card is globally accepted and supports contactless payments, offering speed and security at checkout. This feature is ideal for those who travel or shop frequently both online and in-store.
Fees and Charges
Annual Fee
The FAB Indulge Credit Card comes with an annual fee, which may be waived under certain conditions such as minimum annual spend or salary transfers to a FAB account. It’s important to review the latest fee schedule with the bank before applying.
Interest Rate
Standard interest rates apply to unpaid balances carried beyond the due date. To avoid interest charges, it’s recommended to pay the full statement balance each month.
Foreign Transaction Fees
Transactions made in non-AED currencies are subject to a currency conversion fee. If you travel often, it’s wise to factor this into your overall credit card usage strategy.
How to Apply
Online Application
You can apply for the FAB Indulge Credit Card online through the official FAB website. The application form requires basic personal and financial details, and in most cases, a representative will contact you for document collection and final approval.
In-Branch Application
Alternatively, applicants can visit a FAB branch with required documents, such as:
- Valid Emirates ID
- Passport and visa copy
- Salary certificate or payslips
- Bank statements (usually for the past 3 months)
Comparison with Other FAB Credit Cards
Indulge vs Platinum
While both cards offer rewards and lifestyle benefits, the Indulge Credit Card is geared more toward customers seeking premium experiences. The Platinum Card may be better suited for those looking for basic benefits with a lower income requirement.
Indulge vs Infinite
The Infinite Card is FAB’s top-tier product, offering more extensive travel perks and higher spending limits. The Indulge card sits in the middle range, balancing luxury with affordability.
Tips for Maximizing FAB Indulge Benefits
- Use the card frequently for dining and entertainment to make the most of available discounts.
- Redeem FAB Rewards regularly to ensure points don’t expire.
- Convert large purchases into 0% installment plans to manage finances efficiently.
- Pay your monthly statement in full to avoid interest charges.
- Track promotional campaigns that offer bonus points or cashback incentives.
Who Should Get the FAB Indulge Credit Card?
This card is ideal for UAE residents who earn a steady income and value lifestyle benefits such as dining, travel perks, and flexible rewards. It is particularly suitable for those who spend regularly in categories like food, movies, shopping, and travel, and who wish to enjoy exclusive privileges without stepping into ultra-premium card territory.
The FAB Indulge Credit Card is a well-rounded product offering a broad array of lifestyle benefits tailored for the modern consumer. From airport lounge access and dining discounts to reward points and flexible payments, it’s designed to enrich everyday experiences. While the card comes with an annual fee, its value lies in the multitude of benefits that can easily outweigh the cost if used wisely. For individuals seeking a credit card that combines luxury, practicality, and rewards, the FAB Indulge Credit Card presents a compelling choice within the UAE credit card market.