Last Updated on 13 July 2023

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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FAB GEMS Titanium Mastercard Credit Card

FAB Bank

GEMS Titanium Mastercard Credit Card

FAB GEMS Titanium Mastercard Credit Card
Interest Rate


Minimum Salary


Fx Rate


Annual Fee


Balance Transfer


FAB GEMS Titanium Mastercard Credit Card
interest rate


Interest Rate

min salary


Minimum Salary

fx rate


Fx Rate

annual fee


Annual Fee

bal transfer


Balance Transfer

View details on bank page


  • Provides discounts on paying school fees using GEMS Mastercard
  • Get lifestyle, travel, dining benefits in UAE
  • Can avail only if the kids are studying at GEMS school
  • The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged.
  • The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged.
  • Minimum salary of AED 5000 is required
  • No annual fees

Main Benefits

  • Save up to 4.25% off on GEMS school fees paid using GEMS MasterCard Credit Card
  • Can pay GEMS school fees on 0% EPP
  • Visit any Fitness First club in UAE and pay only AED 30 on each visit(4 visits per month)
  • Can get movies tickets for AED 20(Weekends) and AED 15(Weekdays) at Cine Royal, Oscar Cinemas, and Reel Cinemas
  • Get complimentary airport lounge access
  • Get free Meet and Greet services at the airports
  • Get Airport transfer facilities for free on your next travel
  • Exclusive discounts at most popular venues in UAE like Ski Dubai, Magic Planet, Dreamland AquaPark etc.,
  • Provides education protection cover for the child
  • Free travel accident insurance cover
  • Get FAB stars on every usage of the card
  • Earn 2.5 FAB Stars on every dirham spent on local or international purchases
  • Get a 25% discount on a Filo subscription. T&Cs Apply.

Frequently Asked Questions

⭐ Can I get a discount on fitness clubs every time?

A. You can get 4 visits per month on the discounted price at Fitness First clubs.

⭐ What is the requirement to avail movie benefits?

A. To avail movie discounts you need to spend minimum AED 2000 on your card.

⭐ How many airport transfer services I can avail?

A. Can get 2 free airport transfer facilities per annum.

⭐ Should I inform in prior to avail the Meet and Greet at airport service?

A. Yes, to avail Meet and Greet at the airport, you need to inform the FAB customer care at least 48 hours before the flight.

⭐ Should I inform in prior to avail airport lounge service?

A. No, to access airport lounge there is no prior booking required.

⭐ For how many months can I take 0% EPP?

A. The 0% EPP is available for up to 12 months.

⭐ How to get 0% EPP on school fees paid?

A. Just SMS “EPP” from the registered mobile number to 2050 to request for EPP on school fees.

⭐ When can I send the SMS to convert my school fees payment to EPP?

A. You can SMS any time within 45 days of the payment made at the school.

⭐ What is the maximum amount the education protection coverage covers?

A. Education Protection covers up to AED 500,000.

   Get in touch with FAB Customer Care

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