If you’ve been trying to figure out the best way to apply for a credit card within NBAD but there’s a fact you should know: National Bank of Abu Dhabi is no longer an individual bank. In the year 2017, NBAD merged with First Gulf Bank (FGB) and FGB to create First Abu Dhabi Bank (FAB) and is the current largest institution in the UAE with assets.
If people are asking regarding the possibility of an “NBAD credit card” today are really asking about the credit card offerings of FAB and it carries the same legacy of trust quality, customer service standards and a national branch network NBAD has built its brand on.
This guide will show you all you need to be aware of when the process of applying for credit cards through FAB from eligibility through paperwork to the final process of applying, so that it is possible to get your application approved with only a little back and forth.
A Quick Word on the NBAD-to-FAB Transition
NBAD was among the oldest banks in the UAE that was renowned for its individual banking services, SME support, wealth management, as well as Islamic banking services. After it was merged with FGB The resulting company, FAB, inherited NBAD’s client base, philosophy of product as well as a large portion of its credit card portfolio.
If you owned the NBAD credit card prior to the year 2017, it could immediately have been converted into an FAB-branded credit card, with identical account numbers and credit history that was not affected.
Why Choose a FAB Credit Card
FAB credit cards can be accepted throughout the UAE as well as internationally. They are backed with Visa as well as Mastercard networks. Customers typically have lounge access at airports Cashback on various categories, such as meals, groceries, and fuel installment plans for large purchase, and Sharia-compliant choices for customers who want Islamic bank products. FAB also boasts one of the biggest ATM and branch networks across the United States, which is important for those who prefer to handle things personally.
Eligibility Criteria
The exact requirements differ based on the type of card generally, eligibility requirements include:
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Age limit of 21 (some cards need 25 or more to qualify for the premium levels)
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The minimum monthly amount of salary (varies according to card categories typically starting at AED 5, 000)
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UAE residence with valid visa or UAE citizenship
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Stable job (salaried or self-employed, with the proof of earnings)
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An essentially clean credit score in conjunction with Al Etihad Credit Bureau
Documents You’ll Need
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Affirmative Emirates Identification (original and a copy)
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Passport copy valid together with UAE Residence Visa page
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Employment letter or salary certificate
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Bank statements
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Trade license copy (if self-employed)
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An image of passport size (for specific applications)
Step-by-Step Application Process
Apply Online Visit the official FAB website
Browse the options for credit cards and choose the one that is best suited to your lifestyle and spending habits. Then, submit the application request form. A majority of applicants upload their documents through the website or via mobile apps.
Make an application through FAB Mobile App
Existing FAB clients often receive offers that have been pre-approved accessible directly from the application, which could expedite processing by a significant amount because your bank account and salary information are already in the system.
Applying at a Branch
for those who want to receive face-to-face assistance by visiting any FAB branch in Dubai, Abu Dhabi, or Sharjah will let a relationship manager explain the card options as well as the required documentation right directly on the spot.
By Using Your Employer’s Salary Account
Through Your Employer’s Salary Account agreement for transfer of salary to the corporate sector with FAB you could be eligible for simplified approval, with fewer documents.
Types of Cards to Consider
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Standard/Classic Cards – simple and low-annual fees ideal for those who are first-time customers
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Cashback Card – earn an amount of your spend food, fuel as well as utility bills
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Card for Rewards and Air Miles –Points redeemable for flights accommodation, hotel stays and buying
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Islamic Credit Cards- Sharia compliant, profit-rate-based on the rate of interest
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Premium and Platinum Cards- higher limits, access to lounges, concierge services, but they need greater income thresholds
Fees and Charges to Review
Prior to signing up, you should compare the annual fee as well as late payment fees and foreign transaction charges and cash withdrawal charges and also the grace period that is interest-free (commonly approximately 45 to 56 days when your balance is paid completely each time).
The details for each card differs between different tiers. Therefore, you should match your credit card to your current expenditure patterns rather than choosing one with the most flashy rewards programs.
Processing Time
If you submit the application with all evidence, the approval process can last up to a couple of days up to two weeks, based on the type of card and the speed at which your earnings as well as credit checks are cleared. The pre-approved deals for current customers generally move the fastest.
Tips to Improve Your Approval Odds
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Make sure that you keep the Al Etihad Credit Bureau score in good shape by paying your existing dues in time
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You can apply for a card with tier that is in line with your income and not overextending.
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Make sure you have a consistent salary transfer history with your bank as much as you can.
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Beware of applying to several banks concurrently, as several credit inquiries may affect your credit score in the short term.
Final Thoughts
Even though the NBAD name has been withdrawn within the UAE however, its name is still evident in FAB’s credit card offering. If you’re looking for the cashback option, travel rewards or just a basic no-frills credit card, obtaining the card is easy if you’ve got the required documents and select one that matches the financial needs of your specific.
Frequently Asked Questions
Do you know if NBAD provides credit cards to customers in the UAE?
No. NBAD merged in 2017 with First Gulf Bank in 2017 to create First Abu Dhabi Bank (FAB) and now issue the same cards that were previously issued under the NBAD brand name.
What happened to my previous NBAD credit card?
The existing NBAD cards were upgraded to FAB branding on a regular basis, while keeping identical account details as well as credit record.
Are there any other options to get the “NBAD” credit card today?
It’s possible to apply via FAB as it’s the only entity left which manages the former NBAD products and accounts.
What is the minimum amount that is required to qualify for the FAB credit card?
The minimum salary varies for each card, however, entry-level cards typically have a minimum of AED 5 000 per month while premium cards require higher amounts of income.
What is the time frame for credit card processing at FAB?
It typically takes a couple of days to two weeks, contingent on the completeness of the documentation as well as the credit card type that is being requested.
Are non-residents eligible to get an FAB credit card?
Most often, applicants require proof of UAE residency or citizenship. residents of other countries are not typically eligible to apply for a standard UAE credit card.
Are there Sharia-compliant credit cards alternatives?
Absolutely, FAB offers Islamic credit cards that are based on profit rates rather than conventional interest.
What documentation is required to be submitted for an application?
Minimum, you must have an original Emirates identification card, passport photocopy pay certificate, a copy of the salary, as well as current bank statement.
Do I have to apply for credit without having to transfer my salary to FAB?
Yes, but making your pay transfer to FAB could increase the chances of getting approval and speed of processing.
What’s the most common interest-free grace period for FAB credit cards?
Many cards have an interest-free grace period of 45 to 56 days when the entire balance on the statement is paid at the date.
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Written by : UAE Script Staff
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