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First Abu Dhabi Bank (FAB) World Elite Credit Card
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First Abu Dhabi Bank (FAB)United Arab Emirates

First Abu Dhabi Bank (FAB) World Elite Credit Card

Annual Fee
AED 4,000/ year

First Abu Dhabi Bank's invitation-only World Elite card for Private Banking customers — 1,200+ lounges + Marriott Bonvoy status.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • First year annual fee free
  • Unlimited lounge access via Mastercard Airport Experiences
  • Up to 3% international cashback
  • Al-Futtaim retail/lifestyle ecosystem discounts (IKEA, Toyota, Marks & Spencer)
  • Free supplementary cards

The Bad

  • AED 1,575 annual fee from Year 2 unless spend threshold met
  • Cashback rates tiered by category
  • Mastercard Airport Experiences may require enrollment
  • Best value tied to Al-Futtaim brand usage
  • Invitation-only (Private Banking customers, min salary AED 50,000/mo)
  • AED 4,000 first-year fee (AED 2,000 renewal)

Lounge Access

1 lounge network included

Guest Policy

Cardholder unlimited lounge access via Mastercard Airport Experiences

Purchase APR

3.45% Monthly (41.4% APR)

Credit Score

Good (Income AED 15,000+/month)

Limited Time Offer

First-Year Annual Fee Free + AED 200 Welcome Cashback

Offer Terms & Eligibility:

Welcome cashback credited after first qualifying spend.

Lounge Networks

1 Included
Visa Airport Companion
Included

Additional Travel Perks

First-Year Annual Fee Free
Unlimited Airport Lounge Access via Mastercard Airport Experiences
Up to 3% Cashback on International Spend
Up to 1.5% Cashback on Local Spend
AED 200 Welcome Cashback
Free Supplementary Cards
Al-Futtaim Partner Programme Discounts
Mastercard World Elite Concierge
Travel Insurance with up to USD 1 Million Coverage
Annual Fee Waiver at AED 100,000 Spend

Lounges First Abu Dhabi Bank (FAB) World Elite Credit Card Opens

339 lounges tracked across 172 airports, derived from this card's network coverage.

Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.

Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.

Popular Airports With Lounges

Visa Airport Companion lounges are available at hundreds of airports worldwide

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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