Your wallet holds more power than you think. Those plastic rectangles aren’t just payment tools—they’re your ticket to free flights, cash back, and exclusive perks that can save you hundreds each year. Yet most people treat rewards cards like glorified debit cards, missing out on benefits that could fund their next vacation or slash their grocery bills.
I remember the first time I signed up for one. I was nervous, convinced I’d mess it up and fall into debt. But after using it for a few months—paying the balance in full each time—I realized I was earning free coffee, discounts on gas, and even points for a flight. That moment flipped a switch for me. Suddenly, I wasn’t just spending; I was earning while spending.
This guide will transform you from a passive card user into a rewards maximization machine. You’ll discover which card types deliver the biggest returns for your lifestyle. I’ll break down the hidden strategies that separate casual users from rewards pros. Plus, you’ll learn how to avoid the common traps that turn profitable cards into debt disasters.
FAB Rewards Card Categories
The FAB Elite Card offers premium banking privileges tailored for high-net-worth individuals in the UAE. It provides 24/7 concierge service, travel insurance up to USD 500,000, and high transaction limits (AED 25,000 ATM withdrawals and AED 75,000 purchases). Cardholders enjoy complimentary access to 1,300+ airport lounges, plus lifestyle perks like beach clubs, gyms, sports centers, and hotel discounts—making it the ideal choice for luxury, flexibility, and convenience.
Key Features of Elite Card
Minimum Monthly Salary Annual Fee
AED 50,000 AED 1,200
The FAB Rewards Indulge Card is a premium credit card offering accelerated rewards on dining, entertainment, and lifestyle spending. Cardholders enjoy lounge access, concierge services, exclusive discounts, and flexible redemption options including cashback, travel, and merchandise. With added benefits like travel insurance, purchase protection, and luxury brand offers, it’s designed for affluent customers seeking exceptional lifestyle privileges.
Key Features of Rewards Indulge Card
Minimum Monthly Salary Annual Fee
AED 5,000 No Annual Fees