The FAB du Titanium Credit Card, offered by First Abu Dhabi Bank, is designed to provide significant benefits for users, particularly those who frequently use du services. In-depth review of FAB’s du Titanium Credit Card, its features, benefits, and potential drawbacks.
Key Features and Benefits
- 10% Cashback on du Services:
- du Postpaid Line Bills: Earn 10% cashback on your du postpaid line bills.
- du Home Services: Receive 10% cashback on du home services bill payments.
- Top-Up Your Mobile: Earn 10% cashback on your top-ups.
- du Smartphone Privilege Plan: Enjoy 10% cashback on monthly data charges under this plan.
- To qualify for these benefits, customers must spend a minimum of AED 1,250 on their du Titanium Credit Card in the month prior.
- No Annual Fees:
- This card is free with no annual fee, making it a cost-effective choice for users.
- Easy Payment Plan (EPP):
- Offers a 10% discount on du Easy Payment Plans and du Smartphone Privilege Plans.
- Spread the cost of big purchases by using 0% interest monthly installments for 3, 6, 9, or 12 months.
- Rewards and Redemptions:
- Earn 1 FAB Rewards for every AED 1 spent.
- Redeem FAB Rewards against du bills, utility payments, shopping, dining, and travel bookings.
- Lifestyle and Travel Benefits:
- Access to exclusive offers and experiences curated for Mastercard cardholders, including dining, shopping, entertainment, sports, and hotels.
- You have access to more than ten VIP airport lounges for free in the UAE, Saudi Arabia, Jordan, Kuwait, and Egypt.
- Mastercard Contactless Feature:
- The card is equipped with the Mastercard contactless feature, allowing for quick and easy payments without needing a PIN or signature for purchases below AED 300.
- Mobile App Management:
- Manage your card through the FAB Mobile app, providing easy access to balance checks, money transfers, and rewards management.
Pros
- High Cashback: Generous 10% cashback on a variety of du services, making it highly beneficial for du customers.
- No Annual Fees: Cost-effective with no annual fees.
- Flexible Payment Plans: Easy conversion of purchases to 0% interest installments.
- Wide Range of Benefits: Includes rewards redemption, exclusive lifestyle offers, and travel perks.
- Convenient Management: Full control over the card through the FAB Mobile app and contactless payment features.
Cons
- Need to Spend: To enjoy the 10% cashback benefits, you must spend at least AED 1,250 per month.
- Specific to du Services: The card’s primary benefits are tied to du services, which may not be advantageous for users who do not use or plan to use du telecom services.
- Limited Cashback Categories: Cashback is primarily focused on telecom services, with less flexibility for other spending categories.
Point-by-Point Comparison of FAB du Titanium Credit Card with Similar Rival Cards
Cashback on Telecom Services
- FAB du Titanium Credit Card: You get 10% cashback on du postpaid phone line bills, home services, prepaid line recharges, and smartphone Privilege Plan monthly data charges. To qualify, you must spend at least AED 1,250 on your card in the previous month.
- ADCB SimplyLife Credit Card: Standard 1%
- Emirates NBD Go4it Gold Credit Card: 5% cashback on du bills and services. No minimum spend requirement mentioned.
- Mashreq Platinum Elite Credit Card: No specific higher cashback rate for telecom services.
Annual Fees
- FAB du Titanium Credit Card: No Annual Fee
- ADCB SimplyLife Credit Card: No Annual Fee
- Emirates NBD Go4it Gold Credit Card: AED 104 Annual Fee
- Mashreq Platinum Elite Credit Card: AED 682 Annual Fee
Balance Transfer Options
- FAB du Titanium Credit Card: No interest when you transfer your balance transfers for up to 12 months but fees apply.
- ADCB SimplyLife Credit Card: Has no interest for up to 12 months after balance transfer but fees apply.
- Emirates NBD Go4it Gold Credit Card: 0% interest for up to 6 months with fees applied.
- Mashreq Platinum Elite Credit Card: 0% interest for up to 12 months with fees applied.
Rewards and Redemption
- FAB du Titanium Credit Card: Earn up to 2.5 FAB Rewards per AED 1 spent. Rewards can be redeemed for du bills, utility payments, shopping, dining, and travel bookings.
- ADCB SimplyLife Credit Card: Standard 1% cashback
- Emirates NBD Go4it Gold Credit Card: Earn Plus Points on all spends that can be redeemed for du bills, shopping, and travel.
- Mashreq Platinum Elite Credit Card: Earn Salaam Points that can be redeemed across a wide range of services including shopping, dining, and travel.
Lifestyle and Travel Benefits
- FAB du Titanium Credit Card: Access to exclusive Mastercard offers, 10% cashback at global online stores, complimentary access to over ten VIP lounges in the UAE and other countries, and contactless payment features.
- ADCB SimplyLife Credit Card: Get Up to 25% off when eating at 500 restaurants in UAE.
- Emirates NBD Go4it Gold Credit Card: Complimentary airport lounge access, RTA benefits, and discounts at select merchants.
- Mashreq Platinum Elite Credit Card: Complimentary airport lounge access, travel insurance, and access to Mashreq Salaam Rewards experiences.
Minimum Salary Requirement
- FAB du Titanium Credit Card: AED 5,000 per month
- ADCB SimplyLife Credit Card: AED 5,000 per month
- Emirates NBD Go4it Gold Credit Card: AED 5,000 per month
- Mashreq Platinum Elite Credit Card: AED 7,500 per month
How does it compare?
The FAB du Titanium Credit Card stands out for its high cashback rates specifically tailored for du services, making it an excellent option for frequent du users. Its competitive balance transfer options, reasonable annual fee, and extensive lifestyle and travel benefits add to its appeal. However, potential users should consider whether the specific cashback categories align with their spending habits compared to other cards that may offer broader or higher cashback on general purchases or different service providers.
Conclusion
The FAB du Titanium Credit Card is an excellent choice for individuals who frequently use du services, offering substantial cashback benefits and no annual fees. Its easy payment plans, rewards system, and lifestyle perks add significant value. However, those who do not use du services might find the card’s benefits less appealing. Potential users should consider their spending habits and needs before applying to ensure this card aligns with their lifestyle.