Last Updated on 24 June 2026
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Thank you for providing your details.FAB GEMS World Credit Card
GEMS World Credit Card
Features
- Save up to 3% on GEMS school fees when paying annual tuition fees with the FAB GEMS World Credit Card.
- Earn 10% cashback on school-related expenses such as bus fees, canteen purchases, uniforms, and extracurricular activities.
- Convert eligible GEMS school fee payments into a 0% Easy Payment Plan (EPP) for up to 12 months with no processing fee.
- Get Education Protection Cover of up to AED 500,000 per child.
- Enjoy two cinema tickets per month for AED 20 each at Reel Cinemas, Cine Royal, and Star Cinemas.
- Receive 40% off deluxe cinema tickets at Cinepolis.
- Get up to 8 complimentary airport lounge visits per year for yourself and one guest at more than 1,000 lounges worldwide.
- Enjoy 20% discount at selected Emaar attractions.
- Get 30% off general admission tickets at IMG Worlds.
- Earn 2% cashback on international spending and 1% cashback on domestic spending.
- Cash advance interest rate is 3.99% per month.
- Retail purchase interest rate is 3.99% per month.
- Minimum salary requirement is AED 8,000 per month.
- Annual fee is AED 399.
- Annual fee is waived when you spend AED 24,000 or more annually on non-educational transactions.
Main Benefits
- You can save up to 3% on GEMS annual school fees when paying with the FAB GEMS World Credit Card.
- You can earn 10% cashback on school-related expenses including bus fees, canteen purchases, uniforms, and extracurricular activities.
- You can convert eligible school fee payments into a 0% Easy Payment Plan for up to 12 months without any processing fee.
- You can protect your child's education with Education Protection Cover of up to AED 500,000.
- You can enjoy discounted movie tickets every month and save 40% on deluxe cinema tickets at Cinepolis.
- Travelling becomes more comfortable with up to 8 complimentary airport lounge visits annually for you and a guest.
- You can enjoy family entertainment with discounts at Emaar attractions and IMG Worlds.
- You can earn cashback on everyday spending with 1% cashback on domestic transactions and 2% cashback on international transactions.
- You can get the annual fee waived by spending AED 24,000 or more annually on non-educational purchases.
Frequently Asked Questions
Q. What is the minimum salary required to apply for the FAB GEMS World Credit Card?
A. The minimum salary requirement is AED 8,000 per month.
Q. How much cashback can I earn on school-related expenses?
A. You can earn 10% cashback on eligible school-related expenses such as bus fees, canteen purchases, uniforms, and extracurricular activities.
Q. Can I convert my school fee payment into installments?
A. Yes, eligible GEMS school fee payments can be converted into a 0% Easy Payment Plan for up to 12 months without any processing fee.
Q. What are the airport lounge benefits available with this card?
A. Cardholders can enjoy up to 8 complimentary airport lounge visits annually for themselves and one guest at participating lounges worldwide.
Q. What are the movie benefits offered by the card?
A. You can enjoy two cinema tickets per month for AED 20 each at participating cinemas and receive 40% off deluxe cinema tickets at Cinepolis.
Q. Who is eligible to apply for the FAB GEMS World Credit Card?
A. Applicants with a minimum monthly salary of AED 8,000 can apply for the FAB GEMS World Credit Card, subject to FAB's approval criteria.
Q. How much can I save on GEMS school fees with this credit card?
A. Cardholders can save up to 3% on GEMS school fees when tuition payments are made using the FAB GEMS World Credit Card.
Q. What cashback benefits does the card offer on education-related spending?
A. The card provides 10% cashback on eligible school-related expenses, including school bus fees, canteen purchases, uniforms, and extracurricular activities.
Q. Can I convert GEMS school fee payments into installments?
A. Yes. Eligible GEMS school fee transactions can be converted into a 0% Easy Payment Plan (EPP) for up to 12 months, helping parents spread education expenses over manageable monthly payments.
Q. What is the minimum transaction amount required for an Easy Payment Plan?
A. Transactions must be at least AED 1,000 to qualify for conversion into an Easy Payment Plan.
Q. How can I request an Easy Payment Plan on my school fee payment?
A. Eligible cardholders can request an EPP through FAB Digital Banking channels, the FAB Contact Centre, SMS services, or participating GEMS schools, depending on the transaction type.
Q. What is the Education Protection Plan offered with the FAB GEMS World Credit Card?
A. The Education Protection Plan is designed to help secure a child's education by providing financial protection in the event of covered circumstances affecting the primary cardholder.
Q. How much education protection coverage is available?
A. The plan provides coverage of up to AED 500,000 per child, subject to the applicable terms and conditions.
Q. Is there a fee for the Education Protection Plan?
A. Yes. The Education Protection Plan is available for a monthly subscription fee of AED 28 per child, which is charged to the credit card account.
Q. Are supplementary cards free with the FAB GEMS World Credit Card?
A. Yes. Supplementary cards are offered free for life, allowing family members to enjoy the card's benefits without an additional annual membership fee.
Q. What airport lounge benefits are available with the card?
A. Cardholders can enjoy up to eight complimentary airport lounge visits per year for themselves and one guest at participating lounges across the world.
Q. What entertainment benefits come with the FAB GEMS World Credit Card?
A. The card offers two cinema tickets per month for AED 20 each at selected cinemas and up to 40% discount on deluxe movie tickets at Cinepolis.
Q. How much cashback can I earn on everyday spending?
A. Cardholders can earn 1% cashback on eligible domestic purchases and 2% cashback on eligible international spending.
Q. What is the annual fee for the FAB GEMS World Credit Card?
A. The card has an annual fee of AED 399 and includes education-focused rewards, travel benefits, cashback opportunities, and lifestyle privileges.
Q. Is the FAB GEMS World Credit Card suitable for parents?
A. Yes. The card is specifically designed for parents with children studying at GEMS schools, offering school fee savings, cashback on education-related expenses, installment payment options, and education protection benefits.
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