Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
FAB - Gems Titanium Credit Card FAB - Gems Titanium Credit Card Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 0 Rate: 3.75%
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GEMS Titanium Credit Card

  • Up to 4.25% discount on advanced payment of GEMS fees
  • 0% Easy Payment Plan for up to 12 months for GEMS fees
  • Education Protection cover of up to AED 500,000 per child

SCHOOL FEE DISCOUNTS

Help your children achieve their potential

You want the best for your children. So we’ve partnered with GEMS Schools to bring you discounts on fees, plus exclusive deals for the whole family

Save up to 4.25% fixed rate discount on GEMS school fees, when using your GEMS Credit Card to pay the fees in advance

Click here to view the advance Tuition Fee Discount Scheme on GEMS Credit Card

For Clarifications on tuition fee discount offered, please contact the GEMS School Cashier

LIFESTLYE BENEFITS

Bring some luxury into your life

Take more time for you and your family with our lifestyle partnership offers

MOVIE TICKETS FROM JUST AED 15

A great offering for all movie buffs! FAB GEMS Titanium Credit Cardholders can enjoy 2 movie tickets per month from AED 15 during weekdays and AED 20 during weekends at Reel CinemasCine Royal and Oscar Cinema.

SHOP SMART

Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the FAB Mobile app.

TRAVEL BENEFITS

Enjoy a better way to travel

Now you and your family can travel in style

AIRPORT LOUNGE ACCESS*

Sit back and relax with access to 10+ airport lounge access across the Middle East, with no prior booking.

FAB REWARDS

Rewarding in every way

The all-new Rewards on the FAB Mobile app

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend. Learn more
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday.

PROTECTION BENEFITS

If the unexpected happens, we’ve got you covered

Your GEMS Titanium MasterCard comes with a range of additional protection features

EDUCATION INSURANCE

Education protection coverage of up to AED 500,000 per child. 

CREDIT SHIELD

Get peace of mind that if something happens so you can’t meet your credit card payments, your outstanding balance is paid off. 

Additional Information

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Najm - ONE Cashback Credit Card
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Najm - Platinum Plus Cashback Credit Card
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Najm - Platinum Cashback Credit Card
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HSBC - Cashback Credit Card
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Rate
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