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First Abu Dhabi Bank (FAB) World Elite Credit Card
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 4,200 annual fee from Year 2 (Year 1 free; waived again above AED 100,000 spend)
- 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)
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)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real AED 4,200 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- AED 1,440/yr
- Annual fee
- AED 4,200/yr
- Net for your usage
- -AED 2,760
At AED 180 per visit, you cover the fee at about 24 visits per year. This card opens 365 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
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 IncludedAdditional Travel Perks
Lounges First Abu Dhabi Bank (FAB) World Elite Credit Card Opens
365 lounges tracked across 189 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 177 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
Mastercard Airport Experiences lounges are available at hundreds of airports worldwide
Frequently asked questions
- Which airport lounges does the First Abu Dhabi Bank (FAB) World Elite Credit Card give access to?
- The First Abu Dhabi Bank (FAB) World Elite Credit Card provides access through Mastercard Airport Experiences lounge networks. These networks cover thousands of lounges at airports worldwide. Specific availability varies by location.
- What is the annual fee for the First Abu Dhabi Bank (FAB) World Elite Credit Card?
- The First Abu Dhabi Bank (FAB) World Elite Credit Card has an annual fee of AED 4,200.
- Can I bring guests to lounges with the First Abu Dhabi Bank (FAB) World Elite Credit Card?
- Cardholder unlimited lounge access via Mastercard Airport Experiences