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FAB GEMS World Credit Card

Cashback card from First Abu Dhabi Bank.

First Abu Dhabi Bank FAB GEMS World Credit Card
View on FAB site Details checked 21 Oct 2026 against FAB's own page
Annual fee
AED 418.95

AED 399 + VAT, waived with AED 24,000 non-school spend the previous year

Minimum monthly salary
AED 8,000
Welcome bonus
None listed right now

Our take

Made for GEMS parents: save up to 3% on school fees, 10% back on school extras and 0% instalments on fees.

Good for

Families with children at GEMS schools.

Watch out for

The fee is waived only if you spend AED 24,000 a year; outside GEMS it earns 1–2%.

Written by the MoneyVS team from First Abu Dhabi Bank's published terms. Not personal advice.

What you need

Minimum salaryAED 8,000 a month
Annual fee waivedSpend AED 24,000 a yearAbout AED 2,000 a month

Taken from First Abu Dhabi Bank's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.

What you earn

  • Save up to 3% on GEMS school fees
  • 10% back on school bus, canteen, uniforms and activities
  • 2% back on international spend
  • 1% on everything else
  • 0% instalments on GEMS fees for 12 months

Included benefits

  • Airport lounges
  • Cinema offers

Many benefits need a minimum monthly spend or app registration. Check the bank's terms.

FAB GEMS World: common questions

What salary do I need for the FAB GEMS World?

First Abu Dhabi Bank asks for a minimum monthly salary of AED 8,000.

Does the FAB GEMS World have an annual fee?

Yes, AED 418.95. It's waived if you spend AED 24,000 a year.

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