The FAB SHARE Standard Credit Card offers cashback rewards for frequent mall shoppers. It has no annual fee and requires a minimum monthly salary of AED 5,000.
You must be a SHARE program member to qualify. This article will guide you through its features, requirements, and how to apply online.
What Is the FAB SHARE Standard Credit Card?
This card is issued by First Abu Dhabi Bank (FAB) and tied to the SHARE rewards platform. It’s aimed at users who frequently shop, dine, or engage in entertainment at Majid Al Futtaim malls.
The FAB SHARE Standard Credit Card provides no annual fee, up to 5.25% cashback, and Visa acceptance worldwide.
It’s a suitable choice for individuals who meet the minimum salary and reward membership conditions.
Cashback and Rewards That You Can Use
This card offers tiered cashback depending on where and how you spend. Cashback is credited automatically and doesn’t require manual redemption.
How the Cashback System Works?
You receive 5.25% cashback on experiences such as movies and dining at partner malls. You earn 3.25% cashback on shopping at mall retail outlets.
Other general spending earns 1.75% cashback without category restrictions. Cashback rates apply only when the SHARE ID is linked.
Extra Rewards with SHARE
The SHARE membership gives access to exclusive mall offers. Points collected can be redeemed in partner stores and service counters.
SHARE also enables receipt scanning to collect more rewards. You’ll get event invites, birthday perks, and limited promotions.
Who Can Apply and What You’ll Need?
Applying is simple if you meet all requirements. Be sure your salary and ID are verified in the UAE.
Eligibility and Documentation
You must earn at least AED 5,000 per month and be 21 years or older. Applicants must present a valid Emirates ID, passport copy, and salary certificate or payslip.
A valid SHARE ID is mandatory to begin the process. A residency visa may be required if you’re not a UAE national.
How to Apply for the Card Online?
FAB allows you to apply fully online. You won’t need to visit any branch if your documents are complete.
Steps to Complete the Online Application
Follow these steps to apply for the card quickly and securely through the official website.
- Go to the official FAB SHARE Standard Credit Card page
- Click on “Apply Now” and proceed with your SHARE ID
- Fill out your personal and income details accurately
- Upload required documents (Emirates ID, proof of salary, etc.)
- Review the application and submit it for approval
- Wait for confirmation from FAB via SMS or email
Interest Rates and Important Charges
You should understand the cost of borrowing. FAB discloses all key fees in their Schedule of Charges.
Breakdown of Key Fees
The retail interest rate starts at 3.5% per month. Cash withdrawals come with a 3.15% fee, or AED 105 minimum.
International spending is subject to a 2.49% foreign transaction fee. Late payment penalties and over-limit charges may also apply.
Why SHARE Membership Is Required?
This credit card is linked to the SHARE rewards program. Without an active membership, you can’t apply or earn cashback.
Benefits of Joining SHARE
SHARE lets you accumulate points through mall transactions. It’s free to register and provides discounts at restaurants, entertainment, and fashion outlets.
Membership also gives you access to the best cashback rates offered by this card. All card features depend on being an active SHARE user.
Card Perks Beyond Shopping
The card also offers protection and travel-related coverage. It combines lifestyle perks with safety features.
What’s Included in Protection and Travel?
You get fraud protection and alerts for suspicious activity. Visa travel insurance may apply when tickets are booked with the card.
Emergency support and replacement card services are included. Cardholders also benefit from offers at selected global merchants.
Is This the Right Card for You
The FAB SHARE Standard Credit Card is not for everyone. It rewards users who spend in specific environments.
Best Fit for These Profiles
If you regularly shop or dine at Majid Al Futtaim malls, this card offers great value. It’s ideal for those earning AED 5,000 or more.
It suits people who want no annual fees and use a card across malls and for everyday spending. You’ll benefit more if you already collect or want to earn SHARE points.
When This Card May Not Be Ideal?
Some users may find better value with other products. Review your lifestyle and compare features before you apply.
Limitations to Be Aware Of
This card may not be the best option if you don’t visit malls often. The cashback outside mall spending is limited to 1.75%.
You may want a card with airline miles or travel-specific perks. You must maintain eligibility; otherwise, you may lose the “free for life” status.
Other Cards from FAB to Compare
If this card doesn’t meet your goals, you can look at other options. FAB provides a range of credit cards for different needs.
Alternatives Worth Checking
The FAB Cashback Card offers up to 5% cashback on groceries and utilities. The FAB Platinum Travel Card gives flight discounts and miles.
High earners might consider the FAB Infinite Card, which includes lounge access and concierge services.
Verified Contact Details and Support
FAB provides multiple channels for help. Make sure you use the right number depending on your location.
How to Reach FAB?
Call 600 52 5500 if you’re in the UAE. For international calls, dial +971 2 6811511. Their registered address is P.O. Box 6316, Abu Dhabi, United Arab Emirates. You can also visit the FAB SHARE Standard Credit Card page for FAQs and the application.
Extra Application Tips You Should Know
Before applying, prepare your documents. Having everything ready speeds up the process.
Checklist Before Submitting Your Form
Make sure your Emirates ID and proof of salary are recent and readable. Create or retrieve your SHARE ID before starting.
Check that your contact number and email are active and accurate. Confirm that your salary is deposited into a UAE-based bank account.
Make the Most of This Card Option
The FAB SHARE Standard Credit Card is ideal for UAE shoppers who want cashback without annual fees.
If your spending aligns with mall purchases and you’re a SHARE member, this card gives you measurable benefits.
With Visa access, travel features, and fraud protection, it’s a strong all-in-one option. Prepare your SHARE ID and documents and apply online to get started.
Disclaimer
This article is for educational purposes only. Features, rates, and eligibility requirements may change over time. Always check the official FAB website for the latest and most accurate details.
