FAB Credit Card Eligibility

First Abu Dhabi Bank, popularly known as FAB, is one of the leading banking solutions providers in the UAE. The bank was constituted from a legal merger of the National Bank of Abu Dhabi and the First Gulf Bank in 2016.

First Abu Dhabi Bank offers a variety of credit cards with amazing deals and discounts on lifestyle, entertainment, travel, and more. If you want to enjoy these benefits, you must apply for a FAB credit card using the provided online or offline modes. However, first you need to check if you meet your chosen FAB credit card eligibility criteria. And you need not go anywhere for that, as you can check the criteria right here with this article! 

We have listed here the top Fab credit cards with their eligibility criteria and the required documents. Simply go through the entire post to know everything about the FAB credit cards eligibility.

FAB Credit Card Eligibility in the UAE

Here areis the eligibility criteria that applicants need to meet when applying for an FAB credit card in the UAE.

• The applicant must be a UAE national or an expat.
• The applicant must be of age between 21 and 65 years.
• A good credit Score is required.
• The applicant must meet the minimum monthly income criteria of their preferred FAB credit card.
• The applicant must be self-employed or salaried.
• The applicant must have a regular source of income in the UAE.

Top FAB Credit Cards Eligibility Criteria

FAB Elite Infinite Credit Card

Eligibility Criteria

• The applicant must be a UAE national or an expat.
• The applicant must be of age between 21 and 65 years.
• A minimum monthly salary should be AED 50,000.

FAB Cashback Credit Card

Eligibility Criteria

Documents Required to Apply for a FAB Credit Card

Here are the documents required to apply for FAB Credit Cards.

• A valid Passport with Residency Visa (for address verification)  – Original and a copy
• Emirates ID (for identity verification) – Original and a copy
• Utility Bill or Contract of Tenancy (for address verification) – Original and a copy
• Bank Statement for the previous three months (for income and address verification) – Original and a copy
• Trade License for self-employed applicants – Original and a copy 
• Appointment Letter/Salary Transfer Letter (for income and designation verification) – Original and a copy

Factors Affecting FAB Credit Card Eligibility

Following are a few major factors affecting your First Abu Dhabi Bank credit card eligibility.

1. Age: Age is one of the critical factors the banks consider before approving your credit card application. With First Abu Dhabi Bank, your age must range between 21 and 65 years to apply for your chosen credit card. 
2. Credit Score: Another crucial factor regarding your eligibility for an FAB credit card is your credit score. You must have a good credit score with a good debt repayment history at the time you apply for an FAB credit card. Moreover, a good credit score also helps you get a higher credit limit along with other benefits like quick application approval, minimal documentation, and more.
3. Stable Income: Having a regular and stable source of income affects your credit report positively. Repeatedly switching jobs without a major reason, for instance, creates non-stability issues that may result in barriers to your credit card application approval.
4. Existing Credit Card Performance: If you already have a few active credit cards, you can easily get your credit card application approved. Managing multiple credit cards at a time shows that you manage your debts smartly. However, you have to ensure that you don’t miss out on any debt repayments when applying for a new credit card, as that negatively impacts your credit score and nullifies the impact of multiple credit cards.
5. Credit Settlement: Several people look for a settlement with the lender when they are unable to pay their debts in full. However, while the lender may settle the case by accepting a lesser amount compared to the actual amount owed, the credit score of the borrower certainly takes a hit. This may result in you facing difficulty in getting another credit card from any other bank.  

Simple Ways to Improve FAB Credit Card Eligibility

Before the actual process, you should first check if you are eligible when planning to apply for an FAB credit card. Here are a few simple ways to help you improve your FAB credit card eligibility in case you find yourself non-eligible for the same.

1. Pay Your Debts on Time: This is one of the best ways you can implement to improve your FAB credit card eligibility. Make sure you pay your credit card outstanding on or before the due date. This helps you improve your credit report and, consequently, your credit card eligibility. Most banks and other financial lenders in the UAE go through your repayment history after you apply for a credit card, and the approval is granted quickly if the investigation goes in the right direction.
2. Disclose All Your Income Sources: Mention all your income sources when applying for an FAB credit card. This helps you achieve a remarkable debt-to-income ratio and get your credit card application approved in no time. However, you must not overstate your income as it can have an adverse impact on your credit card application.
3. Apply for a Minimal Number of Credit Cards: Make sure you apply for a minimal number of credit cards at a time. This helps you reduce the number of credit inquiries and shows that you are capable of managing your finances well.

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FAQs on FAB Credit Card Eligibility