The FAB SHARE Platinum Credit Card is designed for high-earning shoppers in the UAE. It offers unmatched SHARE point rewards and strong lifestyle benefits.
You must meet specific income requirements and be a SHARE program member to qualify. This article will explain everything clearly to help you apply with confidence.
Eligibility and Salary Requirements
To apply for this card, you need to meet a few baseline conditions. These requirements ensure that applicants can manage the benefits and costs.
Minimum Monthly Income and General Criteria
You must earn at least AED 10,000 per month to be eligible. A valid UAE residency and Emirates ID are also required.
The bank may ask for recent salary slips or proof of stable income. You must be 21 years or older and should not have recent credit defaults.
Your SHARE ID must also be linked during application to unlock full benefits. Meeting these conditions makes you eligible for review.
Documents You’ll Need to Submit
You will need a copy of your Emirates ID and passport. A salary certificate or bank statement may be required to verify your monthly income.
Some applicants may also be asked for proof of residence such as a DEWA or Etisalat bill. Documents must be clear, recent, and match your application.
You may upload them directly during the digital application process. Submitting all required files speeds up approval.
Annual Fees and Charges
Before applying, it’s important to understand the annual fees and typical charges. These costs apply whether you use the full benefits or not.
Yearly Fee and Supplementary Costs
The annual fee is AED 1,000, charged once per year. Supplementary card fees may also apply depending on your account settings.
Over-limit fees or late payment fees will be charged if you miss due dates. Cash withdrawals come with separate charges and interest.
Be aware of any extra charges tied to international usage. Review the full schedule of charges before you proceed.
Top Card Benefits for Users
The card is tailored for users who spend frequently across SHARE partners. If you’re an active shopper or family spender, the rewards multiply quickly.
High-Earning SHARE Points Structure
The card gives you 6.5% in SHARE points at Carrefour. You’ll get 3% at VOX Cinemas, Ski Dubai, and other Majid Al Futtaim destinations.
For general international or online spending, 2% applies. Utility bills and fuel purchases earn 0.5%.
Transferring your salary to a FAB account can add 0.25% bonus on top of the regular earning rates. There are no monthly limits on how many points you can earn.
Additional Lifestyle Benefits
Cardholders enjoy 2-for-1 cinema tickets at VOX. You also get fast access to limited-time SHARE promotions.
Redemption is flexible—use points for groceries, fashion, leisure, or travel. All redemptions happen via the SHARE app in real-time.
You don’t need a minimum point balance to redeem. These benefits make the card practical for everyday use.
SHARE Rewards System Explained
You earn points on every purchase, but the rate depends on the merchant type. Not all spending categories are treated equally.
SHARE Earning Rates by Category
Here’s how SHARE points are awarded for each type of spending:
- Carrefour (in-store or online): Earn 6.5% with the card
- Mall of the Emirates & City Centre stores: Earn 3%
- VOX Cinemas, Magic Planet, Ski Dubai: Earn 3%
- Other online/international merchants: Earn 2%
- Utilities, fuel, supermarkets: Earn 0.5%
With regular SHARE membership alone, you’d earn only 0.25% to 1%. The card multiplies your points automatically at participating outlets.
Using Your SHARE Points
SHARE points can be used at checkout at all Majid Al Futtaim partners. Redemption is easy through the SHARE mobile app.
You can apply points instantly toward your bill or experience. SHARE points don’t expire as long as your account is active.
Many users apply points toward groceries and entertainment. It makes budgeting simpler while still getting rewards.
Application Process and SHARE ID Registration
You can apply online in a few easy steps. Make sure your SHARE ID is ready before starting the form.
Step-By-Step Online Application
Follow these steps to apply successfully:
- Visit the official FAB website and find the FAB SHARE Platinum Credit Card
- Click “Apply Now” and fill out the personal details form
- Upload your Emirates ID, salary certificate, and any proof of residence
- Add your SHARE ID or register for one directly through the app
- Review all info, submit, and wait for contact from the bank
Approval times may vary based on your income verification and credit score. If you meet all conditions, you’ll get an SMS or email about the result.
How to Get Your SHARE ID?
To unlock the card’s full value, you must be a SHARE member. You can sign up through the SHARE Rewards app or website.
Once registered, you’ll receive your SHARE ID instantly. This ID will be linked to your FAB card and synced automatically.
This makes all future purchases eligible for point accumulation. Without the SHARE ID, benefits are limited.
Where You Can Use This Card?
This card is accepted both within and outside the SHARE partner network. Rewards are optimized when you spend within Majid Al Futtaim’s ecosystem.
Partner Merchants and Acceptance Locations
You can use the card across all Carrefour, VOX, Magic Planet, and Mall of the Emirates stores.
The card also works internationally, both online and in physical stores. Fuel stations, telecom, utility providers, and more accept it.
All major POS terminals across the UAE recognize this card. Points apply automatically at linked partners. The card works for contactless payments as well.
Is This the Right Card for You?
The FAB SHARE Platinum Credit Card offers strong value, but it’s not ideal for everyone. Consider your shopping and travel habits.
When This Card Is a Good Fit?
You shop frequently at Carrefour or VOX. You earn a salary of AED 10,000 or more. You prefer a reward system instead of cashback.
You enjoy instant redemption at malls, grocery stores, and entertainment venues. You want access to high-value offers like 2-for-1 cinema tickets. You plan to make this your main UAE spending card.
When to Consider Other Options?
Your income doesn’t meet the salary requirement. You don’t shop often at SHARE partner brands. You dislike paying annual fees, even for benefits.
You prefer cashback or miles over points. You want a card that works better for international travel rewards. You need low-cost cards with fewer spending perks.
Interest Rates and Key Charges
FAB offers competitive interest rates across card types. Knowing the rates will help you manage repayment efficiently.
Interest and Payment Terms
The retail interest rate is approx. 3.25% monthly. Cash advance interest is about 3.50% per month, with an extra flat fee.
Minimum monthly payment is 5% or AED 100, whichever is higher. Late payment fees can be around AED 241.
Foreign exchange fees apply when spending in non-AED currencies. Avoid cash withdrawals to reduce interest accumulation.
FAB Contact Information
Need assistance during or after your application? Here’s how to reach FAB.
- Registered Address: P.O. Box 6316, Abu Dhabi, United Arab Emirates
- Phone Support: Within UAE: 600 52 5500
Outside UAE: +971 2 681 1511 - Email: [email protected]
Use these contacts for card usage, fees, or reward-related inquiries.
Disclaimer
All details in this article are for educational purposes only. Credit card rates, benefits, and terms may change over time.
Always check the official FAB website for the most up-to-date and accurate information.
Start Earning with Confidence
The FAB SHARE Platinum Credit Card gives solid value if you shop within the SHARE network and meet the salary requirement. From Carrefour to VOX, the rewards and 2-for-1 offers stack up fast.
SHARE points are flexible, and earning rates are among the highest in the UAE. If this fits your lifestyle, it’s time to apply and start getting more from your spending.
