Dubai First Credit Cards, UAE

Get rewarded, your way

Apply for the Dubai First Cashback Card and earn up to 5% cashback.

Learn more

Do it your way with SlicePay.

Take control of your finances with SlicePay, a new digital card from Dubai First. Slice your purchases into 4 easy instalments, with no interest or processing fee. Conditions apply.

Find out more

An affordable, smart and flexible way to pay

Sign up for a Dubai First Low-Rate Card and save on interest with a low rate of just 1.99% per month on your purchases. Conditions apply.

Apply now

Low-rate card exclusively for UAE Nationals

Apply now on the Dubai First Mobile app and save on interest with a low rate of just 1.5% per month on your purchases. Conditions apply.

Get the app

Get rewarded, your way

Apply for the Dubai First Cashback Card and earn up to 5% cashback.

Learn more

Do it your way with SlicePay.

Take control of your finances with SlicePay, a new digital card from Dubai First. Slice your purchases into 4 easy instalments, with no interest or processing fee. Conditions apply.

Find out more

An affordable, smart and flexible way to pay

Sign up for a Dubai First Low-Rate Card and save on interest with a low rate of just 1.99% per month on your purchases. Conditions apply.

Apply now

Low-rate card exclusively for UAE Nationals

Apply now on the Dubai First Mobile app and save on interest with a low rate of just 1.5% per month on your purchases. Conditions apply.

Get the app

Apply Now

WARNING
If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.

Pay for the things you love in 4 interest-free instalments with the new digital SlicePay Card.

Take control of your finances with SlicePay, a new digital card from Dubai First.
Slice your purchases into 4 easy instalments, with no interest or processing fee.
Conditions apply.

Cashback Card
Low-Rate Card
Low-Rate Card for UAE Nationals

CASHBACK CARD

What’s better than cashback, you ask? Higher and instant cashback that only the new Dubai First Cashback Card offers you.

Save more

Get a whopping 5% cashback on supermarket spending, dining and fuel, 3% on international spends and 1% on other purchases.

Plan better

Enjoy 0% interest Easy Purchase Plans, Loan-on-Phone and Balance Transfer at preferential rates.

Live well

Movie tickets from just AED 20 at VOX cinemas
Unlimited complimentary access to select airport lounges
Access to hundreds of buy-1-get-1 offers including spa treatments, travel offers, fine dining and much more

Conditions apply.

LOW-RATE CARD

Introducing the Dubai First Low-Rate Card, an affordable, smart and flexible way to reduce credit card debt, finance large purchases and enjoy life cost effectively.

Interest rate of 1.99% per month

Save on credit card interest with a low rate of just 1.99% per month on your purchases.

Minimum payments from 3%

Benefit from the lowest minimum monthly payment of just 3% .

Annual membership fee waiver

Enjoy a competitive annual membership fee of only AED 300, which is reversed when you spend AED 24,000 within 12 months.

Conditions apply.

LOW-RATE CARD
exclusive to UAE Nationals

Dubai First Low-Rate Card exclusive to UAE nationals is an affordable, smart and flexible way to reduce credit card debt, finance large purchases and enjoy life cost effectively.

Interest rate of 1.5% per month

Save on credit card interest with a low rate of just 1.5% per month on your purchases.

Minimum payments from 3%

Benefit from the lowest minimum monthly payment of just 3% .

Annual membership fee waiver

Enjoy a competitive annual membership fee of only AED 300, which is reversed when you spend AED 24,000 within 12 months.

Conditions apply.

Welcome Offers

0% interest, 100% freedom

Enjoy more financial flexibility with 0% interest Balance Transfers and Quick Cash.

Know more

MANAGE YOUR CARD. ON THE GO.

The Dubai First mobile app lets you stay in control of your credit card.

And life, as well.

Take in your spending at a glance

Download Dubai First mobile app from App Store

Download Dubai First mobile app from Google Play

Redeem your cashback instantly
PAY YOUR CARD BILLS INSTANTLY
TURN YOUR PURCHASES INTO INSTALMENT PLANS INSTANTLY
BOOK BALANCE TRANSFER AND QUICK CASH INSTANTLY
PERSONALIZED DASHBOARD WITH CASHBACK SAVINGS FEATURE AND TAILORED OFFERS

Mobile Payments

Apple Pay

Pay faster when using your credit card with Apple Pay.

Google Pay

Google Pay is the fast, simple way to pay in millions of places - online, in stores, and more.

Samsung Pay

Samsung Pay is a convenient and simple way to make mobile payments with selected Samsung Galaxy phones.

SIGN UP FOR THE GOOD LIFE

Make the most of every moment. Dubai First card opens up a world of opportunities that enhance your everyday life, even as you manage your finances like a pro.

Enjoy exclusive promotion at VOX cinemas. Get four standard movie tickets every month for only AED 20 at weekends, and 20% discount on food & beverage purchases throughout the year.

Book a ride with Careem and enjoy 20% off the first three rides every month. Choose your car and the time, then sit back and enjoy.

Download Mastercard ‘Buy 1 Get 1’ mobile app and get access to 900+ offers including spa treatments, travel offers, fine dining and much more.

Shop at over 100,000 U.S. retailers, including Apple, Amazon and Ralph Lauren and get fast, reliable, affordable international shipping with MyUS.

The Bicester Village Shopping Collection is defined by its luxury brands, charming open-air ‘village’ settings and, not least, exceptional value for money.

With over 3,000 different luxury fashion brands, Farfetch offers an unrivalled range of incredible products from the world’s best designers and boutiques.

Millions of families and teachers across the globe use Lingokids as a fun learning tool.

UPGRADE YOUR TRAVEL EXPERIENCE

Unlimited complimentary lounge access

Unwind and make travelling something to look forward to with Mastercard Travel Pass app providing unlimited, complimentary access to regional and international lounges. Register your Dubai First Mastercard and search for the lounges near you.

Download the app now

Up to 8% off on your travel with Cleartrip

Visit Cleartrip and book any round trip, international airfare or hotel using your Platinum Mastercard to enjoy an up to 8% discount on your travel booking.

Up to 20% off Avis car rental worldwide

You can now enjoy up to 20% off your next car rental with Avis and a complimentary upgrade with every rental when you book with your Dubai First Mastercard Card.

Priceless Cities - handpicked experiences worldwide

Priceless Cities is a program available exclusively to Mastercard cardholders and provides access to unforgettable experiences in the cities where you live and travel.

Know more

Travel visa assistance

Simple and quick travel visa application for the global traveler. Apply and book visa appointments online through Fulfill Solutions, for a flat fee of USD 15.

Terms and conditions

Up to 10% back on Booking.com

Booking.com seamlessly connects millions of travelers to memorable experiences, a variety of transportation options and over 6.2 million incredible places to stay – from homes to hotels and much more.

10% off at rentalcars.com

Rentalcars.com is the world’s leading online car rental service and arranges car rental in 60,000 locations, across 160 countries, in over 40 languages.

MONEY MATTERS
With greater financial privileges comes greater freedom. The Dubai First Card lets you make the most of the benefits even as you enjoy the good life.

Accident Shield

With Accident Shield plan, get coverage up to AED 150,000 to cater to any unforeseen eventualities like Death or Permanent Total Disability arising from an accident.

Credit Shield

Credit Shield helps you when it matters the most.

More ease

Enjoy the convenience of converting your purchases of AED 500 and above into instalment plans instantly through the mobile app.

More flexibility

Interest free credit period of up to 56 days when you pay 100% of your outstanding balance.

More freedom

Avail part of your credit limit as an instant, low-interest loan. You can pay the loan in equal monthly instalments over 3 to 36 months.

More opportunity

Take advantage of lower interest rates when you transfer your outstanding balance from other bank credit cards to your Dubai First card. With a choice to repay the amount in 3 to 36 equal monthly instalments your finances will be easier to manage.

Pay card balance
Earn & redeem cashback
Activate card
Account alerts
SMS pull service
Forms

As a Dubai First cardmember, you already have access to a range of privileges and benefits, carefully tailored to suit your needs and lifestyle.

Now you have over 1,000 convenient offsite locations to make your Dubai First monthly credit card bill payments. You will receive a receipt as confirmation and your payment will be credited to your card account within 2 working days.

PAY INSTANTLY THROUGH DUBAI FIRST MOBILE APP

Pay instantly your card balance directly from the mobile app connecting to your bank account through the Central Bank Payment Gateway (UAEPGS). Your balance will be updated instantly.

PAY ONLINE

From UAE Bank account

Pay your Dubai First card bill online from any UAE Bank Account through UAEFTS system. Simply follow these steps: Login to your UAE personal bank account online banking ⇒ Select local UAE Funds transfer ⇒ Enter your Dubai First card number instead of IBAN as a beneficiary and the payment amount ⇒ Proceed with the payment.

Payment will be reflected in your account within 1 working day.

Bank transfer using SWIFT

You can make a payment to your Dubai First card using SWIFT. Please note the following details:
Beneficiary Account - 16-digit credit card number Beneficiary Name - Cardholder name Payment Amount - Amount in Dirhams you are paying SWIFT Code - NBADAEAA

PAY BY CASH

First Abu Dhabi Bank Cash Deposit Machines (FAB CDMs)

Effective 6th December 2019, you can pay your Dubai First Credit Card bills by cash at over 130 FAB CDMs across the UAE.

This 24/7 service is quick and reliable. It takes few easy steps:
Choose Deposits ⇒ Payments ⇒ Credit Card Payments ⇒ Enter card number manually or insert your card ⇒ Insert your payment amount in cash ⇒ Collect the receipt

Payments through the CDMs are real-time transactions, which means your available limit is updated instantly.

Partner Exchange Houses

Pay your Credit Card bill in cash at any branch of the exchange houses listed below.

Al Ansari Exchange
Al Fardan Exchange
Al Ghurair Exchange
Redha Al Ansari Exchange

Your payment will be reflected in your credit card account within 2 working days.

PAY BY CHEQUE

Service Desk

Cheque payments can be made at the service desk at any First Abu Dhabi Bank branch on Monday-Thursday and Saturday from 8.00am to 5.00pm, and on Friday from 8.00am to 12.30pm. Alternatively, cheques can be mailed to Dubai First, P.O. Box 52053, Dubai, UAE.

The cheque should be drawn in favour of Dubai First with the card number mentioned on the reverse.It takes 7 working days to process the payment after we receive the cheque.

By Mail

You can mail your cheque to Dubai First, PO Box 52053, Dubai, UAE. The cheque should be drawn in favour of “Dubai First” with the card number mentioned on the reverse.

*It takes 7 working days to process the payment after we receive the cheque.

DISCONTINUED PAYMENT OPTIONS

Discontinued options effective 1st December 2019:

Payments through Emirates NBD channels including CDMs, BankNet, Mobile app and bank fund transfer
Webpay - online payment service
SWIFT transfer to Dubai First accounts with EmiratesNBD and Emirates Islamic
Standing instructions set prior to December 2019

What is the cashback program?

The cashback program is type of reward points based on a percentage of purchases made with your credit card. Your Cashback Card offers cash back at a value of

5% on supermarket spending including store and online purchases at supermarkets and groceries

5% on fuel

5% on dining including fine dining, fast food and purchases through delivery apps

3% on international purchases

1% on other shopping online, in-app and in-store

0.15% on payments towards government services, insurances, telecom, utilities school fees, transportation and real estate*

How do I earn cashback?

You can earn cashback rewards by using your credit card to make purchases. You can view your earned rate and amount of cashback on the Dubai First mobile app.

How can I redeem my cashback rewards?

Cashback redemption happens instantly through the mobile app upon your request in a few taps. The redeemed cashback amount is credited to your credit card and your balance is adjusted immediately.

*Terms & Conditions and exclusions apply. For details, view click here..

The above Cashback Rewards programme will be applicable from October 2023. For details on how the cashback will be awarded until then, please click here .

After you've applied and been approved for the Dubai First Card, your new card should be delivered by courier within 3-5 business days. Your credit card will arrive in a sealed envelope with instructions for activating the card.

We offer various activation methods to choose from, such as through the mobile app, via SMS or over the phone.

How do I activate a credit card?

1. Activate through the mobile app
The sealed envelope in which the card is delivered has instructions on how to activate the card. Scan the QR code, download the Dubai First mobile app and follow the onscreen directions to activate your card and set your PIN.

2. Call the number on the reverse of the card
Call our 24/7 contact centre on 600545500 for assistance to activate your card and set your PIN.

3. Activate via SMS
Send an SMS to 4743 CACT {space} last 4 digits of your card number {space} 4 digit PIN of your choice. Example: if your card ends with 1234 and your chosen PIN is 1357, text CACT 1234 1357.

How long after activating a credit card can I use it?

You can begin using your Dubai First Card immediately after verifying receipt or activating the card.

What are account alerts?

Account alerts are notifications about your credit card account – your purchases, due payments, monthly statements or status of your service requests. These alerts, in the form of push notifications, SMS or emails, are received immediately after a transaction or activity on your account. Account alerts differ from emails that we send about our products and services, service messages and special offers.

Do alerts cost me anything?

No, alerts from FAB are free of charge, but message and data rates may apply depending on your telecom provider.

Service at your fingertips

Enjoy the ease and convenience of our SMS Pull services. You can now request services and facilities at the touch of a button. All you need to do is send us a short code through SMS to 4743.

Service Request	Short Code
Activate your Card and set PIN	CACT followed by the last 4 digits of your card number followed by 4-digit PIN of your choice
Credit Card Balance Information	CBAL followed by the last 4-digit of your card number
Request for Loan on Phone	LOP
Request for Balance Transfer	BT
Request for Easy Purchase Plan	EPP
Dial-a-cheque for rent or school fee	CHQ
Credit limit increase	CLI
Request for card upgrade	UPG
Apply for supplementary card	ADD
Apply for Cashback Card	CASH

Service Request Forms

Address change form
Closure form
Complaint request form
Credit card service request form
Credit shield and life insurance claim form
Demographic change form
Missing payment form
Transaction dispute form

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