FAB Rewards Program 2025: full Guide to Earning & Redeeming Points

The FAB Rewards Program transforms everyday spending into valuable rewards. Whether you’re paying bills, shopping, or traveling, every transaction earns points you can convert into cashback, travel miles, or shopping vouchers.

This comprehensive guide shows you how to maximize the FAB Rewards Program in 2025.

What Is the FAB Rewards Program?

The FAB Rewards Program is First Abu Dhabi Bank’s loyalty scheme that rewards customers for banking activities and card usage. Unlike basic cashback programs, FAB Rewards offers multiple redemption options and works across both credit and debit cards.

Key Features:

• Automatic enrollment for all FAB cardholders
• Real-time point tracking via mobile app
• Multiple redemption options, including cashback, travel miles, and vouchers
• Wide partner network across UAE retail and service providers
• No signup fees or hidden charges

Who Can Join?

The FAB Rewards Program is available to:

• FAB credit card holders
• FAB debit card holders
• Select savings and current account customers
• Both personal and business banking clients

You’re automatically enrolled when you activate your FAB card—no separate registration needed.

How Does the FAB Rewards Program Work?

The program operates on a simple points-based system:

1. Earn Points: Every eligible transaction adds points to your account
2. Track Balance: Monitor points through the FAB app or online banking
3. Redeem Rewards: Convert points to cashback, miles, or vouchers
4. Repeat: Continue earning on every purchase

Point Earning Structure:

Transaction Type	Points Earned
Credit card spending (AED 1)	1-3 points*
Debit card spending (AED 1)	0.5-1 point*
International remittances	200-500 bonus points
Bill payments via FAB channels	Standard rate + bonuses
Partner store purchases	2-5x accelerated points

Exact rates vary by card type and tier

How to Earn FAB Rewards Points Fast in 2025

1. Use Your FAB Credit Card Daily

Credit cards earn higher point rates than debit cards. Use your FAB credit card for:

• Grocery shopping
• Dining and restaurants
• Online purchases
• Fuel payments
• International transactions

2. Pay Bills Through FAB Channels

Earn points on utility and service payments:

• DEWA electricity bills
• Etisalat and du mobile bills
• Salik toll payments
• Internet and home services
• School fees

3. Make International Remittances

Send money abroad through FAB channels to earn:

• 200-500 bonus points per transaction
• Higher points for larger transfers
• Regular remittance bonuses during promotional periods

4. Shop with Partner Brands

These partners offer accelerated points:

• Lulu Hypermarket: 2-3x points
• Al-Futtaim Group stores: Extra rewards
• Al Shaya Group outlets: Bonus points
• Emirates Skywards partners: Direct mile conversion
• Etihad Guest partners: Enhanced earning rates

5. Leverage Seasonal Promotions

FAB runs regular campaigns offering:

• Double points on specific categories
• Bonus points for new cardholders
• Extra rewards during holidays
• Special rates for online shopping

6. Opt for Digital Transactions

Mobile and online banking transactions often earn bonus points compared to in-branch activities.

How to Redeem FAB Rewards Points

Redemption Options:

1. Cashback

• Minimum redemption: 1,000 points
• Conversion rate: Typically 1,000 points = AED 10-20
• Applied directly to your statement
• Ideal for everyday value

2. Travel Miles

Convert to airline loyalty programs:

• Emirates Skywards Miles: Best for Emirates flights and upgrades
• Etihad Guest Miles: Ideal for Etihad travelers
• Typical conversion: 1,000 FAB points = 250-400 airline miles
• Highest value redemption option

3. Shopping Vouchers

Redeem at major retailers:

• Lulu Hypermarket
• Carrefour
• Virgin Megastore
• Al-Futtaim malls
• Sharaf DG

4. Bill Payment Credits

Use points to pay:

• Utility bills
• Telecom charges
• Salik toll fees
• Government services

5. In-Store Instant Redemption

At partner stores, pay directly with points at checkout—no voucher needed.

Maximum Value Redemption Strategy:

1. Save points for travel: Airline miles typically offer 2-3x better value than cashback
2. Redeem in bulk: Larger redemptions often have better conversion rates
3. Watch for bonus redemption offers: Seasonal promotions increase point value
4. Avoid small vouchers: Minimum redemptions usually have poor rates
5. Check expiry dates: Redeem before points expire

How to Check Your FAB Rewards Balance

Via FAB Mobile App:

1. Download the FAB Mobile App (iOS/Android)
2. Log in with your credentials
3. Tap “Rewards” on the main menu
4. View total points, transaction history, and redemption options

A guide related to FAB Mobile banking.

Via Online Banking:

1. Visit www.bankfab.com
2. Log in to your account
3. Navigate to the “Rewards Program” section
4. Check balance and manage redemptions

Via SMS:

Text your account inquiry to FAB’s customer service number (check with your bank for the exact code).

Via Customer Service:

Call 600 525 500 (UAE) or +971 2 657 5500 (international) for balance inquiries. Fab Customer Care for more details.

Best FAB Rewards Credit Cards in 2025

1. FAB Elite Card

Best for: Premium travelers and high spenders

Key Benefits:

• 3 points per AED 1 on travel and dining
• Access to 1,300+ airport lounges worldwide
• Complimentary travel insurance
• Dedicated concierge service
• Priority customer support
• Annual fee: AED 1,500-2,000

Earning Rate: Up to 180,000 points per year (for eligible spending)

2. FAB Rewards Indulge Card

Best for: Dining and entertainment enthusiasts

Key Benefits:

• 2x points on dining and entertainment
• Airport lounge access
• Exclusive restaurant discounts
• Flexible redemption options
• Lower annual fee than Elite
• Annual fee: AED 600-800

Earning Rate: Up to 96,000 points per year

3. Al-Futtaim FAB Credit Card

Best for: Frequent shoppers at Al-Futtaim stores

Key Benefits:

• 3x points at Al-Futtaim outlets
• Special discounts at IKEA, ACE, Marks & Spencer
• 1.5x points on general spending
• No annual fee for the first year
• Annual fee: AED 400-600

Earning Rate: Unlimited points on qualifying purchases

4. FAB Etihad Guest Miles Card

Best for: Etihad Airways frequent flyers

Key Benefits:

• Direct conversion to Etihad Guest Miles
• Bonus miles on Etihad bookings
• Flight upgrade opportunities
• Travel insurance included
• Annual fee: AED 500-700

Earning Rate: 1 mile per AED 6 spent

5. FAB Titanium Card

Best for: Balanced everyday rewards

Key Benefits:

• 1.5 points per AED 1 on all purchases
• No category restrictions
• Airport lounge access (4 visits/year)
• Travel insurance
• Annual fee: AED 300-500

Earning Rate: Up to 72,000 points per year

A guide related to the FAB credit card.

FAB Rewards Program Benefits

Core Advantages:

Flexible Redemption
Choose from cashback, travel miles, vouchers, or bill payments based on your needs.

Extensive Partner Network
Access rewards at hundreds of UAE brands, including Lulu, Carrefour, Emirates, and Etihad.

High Earning Potential
Premium cards offer up to 3 points per AED, among the highest in the UAE.

No Earning Caps
Unlike some competitors, FAB doesn’t limit monthly or annual point accumulation.

International Acceptance
Earn points on global transactions, not just UAE spending.

Digital-First Experience
Real-time tracking and instant redemptions through the FAB app.

Family Card Benefits
Supplementary cardholders contribute to the same rewards pool.

Premium Member Perks:

• Priority customer service: Dedicated hotline and email support
• Exclusive events: Access to FAB member-only experiences
• Higher point caps: Elite members can earn more per transaction
• Birthday bonuses: Extra points during your birthday month
• Anniversary rewards: Loyalty bonuses for long-term members

FAB Rewards Program vs Other UAE Banks

Feature	FAB Rewards	Emirates NBD Plus	ADCB TouchPoints	Mashreq Salaam
Earning Rate	⭐⭐⭐⭐⭐ High	⭐⭐⭐⭐ Good	⭐⭐⭐ Moderate	⭐⭐⭐ Moderate
Redemption Options	5+ categories	3-4 categories	3 categories	3 categories
Partner Network	Extensive	Strong	Limited	Moderate
Travel Rewards	Excellent	Excellent	Good	Very Good
Cashback Option	Yes	Yes	Limited	Yes
Bill Payment Rewards	Yes	Limited	No	Limited
App Experience	⭐⭐⭐⭐⭐ Excellent	⭐⭐⭐⭐ Good	⭐⭐⭐ Average	⭐⭐⭐ Average
Point Expiry	2-3 years	2 years	2 years	2 years

Why FAB Rewards Wins:

1. More redemption flexibility than any competitor
2. Unique remittance rewards not offered by other banks
3. Wider partner network covering retail, travel, and services
4. Better app interface for tracking and redeeming
5. No monthly earning caps on most cards

Tips to Maximize Your FAB Rewards

Smart Spending Strategies:

1. Consolidate spending on one card: Use your highest-earning FAB card for all purchases
2. Time big purchases strategically: Buy during double points promotions
3. Link all family cards: Pool points in one account
4. Set up auto-pay for bills: Never miss earning opportunities on recurring payments
5. Use FAB for remittances: This often-overlooked benefit adds hundreds of bonus points

Advanced Tactics:

• Track promotional calendars: FAB announces bonus campaigns monthly
• Combine with merchant offers: Stack FAB points with store discounts
• Redeem for travel during off-peak: Airline miles stretch further outside holiday seasons
• Keep a redemption goal: Saving for specific rewards prevents wasteful small redemptions
• Review your card annually: Upgrade if your spending patterns change

FAB Rewards Point Expiry Rules

Standard Expiry Terms:

• Credit card points: Typically expire after 24-36 months from the earning date
• Debit card points: May have shorter expiry (12-24 months)
• Bonus points: Often expire faster (6-12 months)
• Promotional points: Check specific campaign terms

How to Check Expiry:

1. Log in to the FAB app
2. Go to the Rewards section
3. View “Point Expiry Schedule”
4. Set reminders for upcoming expirations

Preventing Point Loss:

Set calendar reminders 3 months before expiry
Enable FAB app notifications
Redeem the oldest points first
Maintain regular card activity to refresh points

Common FAB Rewards Program Mistakes to Avoid

Using debit instead of credit cards: Credit cards earn 2-3x more points

Ignoring remittance bonuses: Missing out on 200-500 points per transfer

Redeeming too small amounts: Poor conversion rates on minimum redemptions

Not tracking expiry dates: Losing thousands of points unnecessarily

Skipping promotional periods: Missing double or triple point opportunities

Paying bills outside FAB channels: Losing easy reward points

Holding multiple low-tier cards: Better to consolidate on one premium card

FAQs about the FAB Rewards Program

Contact FAB for Rewards Support

Customer Service Hotline: 600 525 500 (UAE)
International: +971 2 657 5500
Email: contactus@bankfab.com
Website: www.bankfab.com/rewards
Mobile App: FAB Mobile (iOS & Android)

Business Hours:

• Phone support: 24/7
• Email support: Response within 24-48 hours

Conclusion

The FAB Rewards Program stands out among UAE loyalty schemes for its flexibility, earning potential, and redemption options. Unlike competitors that limit you to shopping vouchers or travel-only rewards, FAB lets you choose what matters most.

With the right FAB card and consistent usage, you can earn 50,000–150,000 points annually, worth AED 500–3,000 in cashback or significantly more in travel value.

Start maximizing your FAB Rewards today by choosing the right card, consolidating your spending, and redeeming strategically. Visit our website for more details.