FAB Credit Card Fees and Charges 2026: Cash Advance, Limit Increase & Complete Guide
Using a credit card wisely means understanding the costs involved. Fab credit card fees and charges include annual fees, late payment penalties, cash advance fees, and foreign transaction charges. Knowing these fab credit card charges helps you avoid unnecessary expenses. A particularly expensive feature is fab credit card cash advance – withdrawing cash from an ATM using your credit card. On the other hand, if you need more spending power, learning how to request a fab credit card limit increase can be very useful.
This comprehensive guide covers all fees, charges, and limits for First Abu Dhabi Bank (FAB) credit cards, along with practical steps to request a credit limit increase.
1. FAB Credit Card Fees and Charges – Overview
Fab credit card fees and charges vary by card tier – from lifetime free cards (e.g., Cashback, SimplyLife) to premium cards (Platinum, Signature, Infinite). Below is a summary of common charges across FAB cards:
| Charge Type | Typical Amount (AED) |
|---|---|
| Annual fee | 0 – 2,500 (depending on card) |
| Late payment fee | 150 – 250 |
| Cash advance fee | 2.5% of amount (min. AED 50) |
| Foreign transaction fee | 2.5% (0% on Infinite and World Elite) |
| Overlimit fee | 150 – 200 |
| Card replacement fee | 50 – 100 |
| Statement copy fee | 25 (for older statements) |
Many FAB cards (Cashback, SimplyLife, Share Platinum, du Platinum) are lifetime free – no annual fee ever. Premium cards have annual fees that can be waived by meeting spending targets.
2. FAB Credit Card Charges – By Card Tier
Fab credit card charges differ by card. Here is a breakdown of annual fees and other key charges:
| Card | Annual Fee (AED) | Late Payment (AED) | Foreign Transaction Fee |
|---|---|---|---|
| Cashback / SimplyLife | 0 (lifetime free) | 150 | 2.5% |
| Share Platinum / du Platinum | 0 (lifetime free) | 150 | 2.5% |
| Titanium | 0 (lifetime free) | 150 | 2.5% |
| Traveller | 315 (first year free, then waivable) | 150 | 0% |
| Etihad Guest Platinum | 500 (waivable) | 150 | 2.5% |
| Platinum | 500 (waivable) | 150 | 2.5% |
| Etihad Guest Signature | 750 (waivable) | 150 | 2.5% |
| Signature / Visa Signature | 750 (waivable) | 150 | 2.5% |
| Etihad Guest Infinite | 1,000 (waivable) | 200 | 0% |
| Infinite | 1,500 (waivable) | 200 | 0% |
| World Elite | 2,500 (waivable) | 250 | 0% |
Annual fees can be waived by meeting minimum annual spending requirements (e.g., AED 25,000 for Etihad Guest Platinum, AED 150,000 for Infinite). Fab credit card charges are clearly disclosed in the card’s terms and conditions.
3. FAB Credit Card Cash Advance – Fees & How to Avoid
A fab credit card cash advance allows you to withdraw cash from an ATM using your credit card. However, this is one of the most expensive fab credit card charges and should be avoided unless absolutely necessary.
FAB Credit Card Cash Advance – Key Details:
| Fee Type | Charge |
|---|---|
| Cash advance fee | 2.5% of the withdrawn amount (minimum AED 50) |
| ATM operator fee | AED 5 – 10 (depending on the ATM provider) |
| Interest / profit | From the day of withdrawal (no grace period) |
Example: If you withdraw AED 2,000 as a fab credit card cash advance:
Cash advance fee: 2.5% of 2,000 = AED 50.
Total due immediately: AED 2,050 + any ATM fee.
Interest/profit accrues daily until repaid.
How to avoid fab credit card cash advance fees:
Use your debit card for cash needs.
If you need cash, consider a balance transfer or personal loan instead.
Never use your credit card at an ATM unless it is a genuine emergency.
Fab credit card cash advance also has a separate limit – typically 30% – 50% of your total credit limit.
4. FAB Credit Card Limit Increase – Request Process
If you need a higher spending capacity, you can request a fab credit card limit increase. There are two types: permanent and temporary.
A. Permanent FAB Credit Card Limit Increase
Eligibility: At least 6 months of good payment history with FAB (or 12 months with other banks for new customers).
How to request:
Log into the FAB mobile app.
Go to “Credit Cards” → Select your card → “Request Limit Increase”.
Provide updated income documents if your salary has increased.
Submit. The bank may check your credit bureau report.
Processing time: 2‑5 working days.
Success factors: Higher income, clean payment record, low existing debt.
B. Temporary FAB Credit Card Limit Increase
For specific needs (e.g., travel, large purchase, wedding).
Request via the FAB mobile app or by calling 600 52 2222.
Usually valid for 30‑90 days.
The temporary increase does not affect your permanent limit.
Automatic FAB Credit Card Limit Increase:
FAB may automatically increase your limit every 12‑18 months if you consistently pay on time and use a reasonable percentage of your current limit (typically 30‑70%). You will receive an SMS or email notification.
Step‑by‑Step: How to Request FAB Credit Card Limit Increase via App:
Open the FAB Mobile App and log in.
Tap on “Credit Cards” from the home screen.
Select the card you want to increase.
Scroll down and tap “Request Limit Increase” or “Manage Limit”.
Choose increase type: Permanent or Temporary.
Enter the desired new limit (e.g., from AED 10,000 to AED 20,000).
If requested, upload updated salary certificate or latest bank statements.
Submit the request. You will receive a reference number.
Wait for confirmation (usually within 2‑5 days).
Once approved, your new limit reflects immediately.
Tips for a successful fab credit card limit increase:
Maintain a good payment record (no late payments for at least 6 months).
Keep your credit utilization below 50% (e.g., if limit is AED 10,000, keep balance under AED 5,000).
Ensure your salary meets the new limit requirement (e.g., for AED 50,000 limit, salary should be AED 15,000+).
Avoid applying for multiple limit increases in a short period (wait 3‑6 months between requests).
5. Other Important Fees (Late Payment, Foreign Transaction, etc.)
| Fee Type | Amount (AED) | Notes |
|---|---|---|
| Late payment fee | 150 – 250 | Waived for first offense upon request; charged if minimum payment not paid by due date |
| Overlimit fee | 150 – 200 | If you exceed your credit limit without prior approval |
| Foreign transaction fee | 2.5% (0% on Infinite, World Elite, Traveller) | Applies to purchases in non‑AED currencies |
| Card replacement (lost/stolen) | 50 – 100 | Free if card is damaged or bank error |
| Statement copy (older than 3 months) | 25 per copy | Free via mobile app for recent statements |
| Returned payment fee | 150 | If a cheque or auto‑debit bounces |
| Supplementary card annual fee | 0 for first, then 50‑200 | Depends on primary card tier |
To avoid these fees, pay at least the minimum due by the due date, stay within your credit limit, and use your card for purchases (not cash advances).
6. How to Avoid or Reduce Fees
You can minimize fab credit card fees and charges by following these practices:
Pay your full balance before the due date – No interest, no late fees.
Use the FAB Traveller, Infinite, or World Elite card for international spending – 0% foreign transaction fee.
Avoid cash advances – Use your debit card instead.
Set up auto‑debit – Link your FAB current account to automatically pay the minimum or full amount.
Stay within your credit limit – Monitor spending via the app.
Request annual fee waiver – If you meet the spending threshold, call customer service to reverse the fee.
Keep your card active – Avoid dormancy fees (if any, though FAB does not typically charge inactivity fees).
By managing your card responsibly, you can enjoy the benefits without worrying about fab credit card charges.
7. Frequently Asked Questions
Q1: What are the fab credit card fees and charges for the Cashback Card?
Annual fee: AED 0 (lifetime free). Late payment: AED 150. Cash advance: 2.5% (min. AED 50). Foreign transaction: 2.5%.
Q2: How much is the fab credit card cash advance fee?
2.5% of the withdrawn amount (minimum AED 50). Interest/profit accrues immediately.
Q3: Can I get a fab credit card limit increase without a salary certificate?
If you are an existing FAB customer with salary transfer, you may not need a certificate. Otherwise, you will need to provide updated income proof.
Q4: How long does a fab credit card limit increase take?
2‑5 working days for permanent increase. Temporary increases can be instant via the app.
Q5: Does FAB charge an annual fee on supplementary cards?
The first supplementary card is free. Additional cards may have a fee (AED 50‑200 depending on the primary card).
Q6: What is the foreign transaction fee on the FAB Infinite card?
0% – no foreign transaction fee.
Q7: How can I avoid fab credit card cash advance fees?
Never use your credit card at an ATM. Use a debit card for cash withdrawals.
Q8: What is the minimum income required for a fab credit card limit increase to AED 50,000?
Typically, a monthly salary of AED 15,000 – 20,000 is needed for a limit of AED 50,000, subject to credit assessment.
8. Conclusion
Understanding fab credit card fees and charges helps you use your card wisely and avoid unnecessary costs. Fab credit card charges include annual fees (many cards are lifetime free), late payment fees, and foreign transaction fees (0% on select cards). Fab credit card cash advance is expensive (2.5% fee plus immediate interest) – avoid it. If you need more spending power, request a fab credit card limit increase via the FAB mobile app – provide updated income documents and maintain a good payment history.
By paying your balance on time, staying within your limit, and using the right card for international spending, you can minimize fees and maximize benefits.
For more credit card guides and UAE financial advice, visit https://www.khaleej2uae.com/ regularly.
