If you follow the correct steps, canceling your credit card is a simple process. This also applies to customers of First Abu Dhabi Bank. If you’re closing your FAB card because of high annual fees or low usage or better options in the market, or personal financial restructuring, you should follow the correct cancellation process to avoid any unnecessary fees or credit issues in the future.
This detailed guide will show you how to cancel your FAB Credit Card, from preparation through to the final confirmation. It also includes key requirements and tips on how to avoid errors.
Understand why you might cancel your FAB credit card
It’s important to evaluate your motivations before you cancel. Understanding your reasons will allow you to decide whether cancellation is the right move or not. You may want to consider other options, such as downgrading the card, switching the type of card, or even negotiating with FAB.
There are many reasons why you may want to cancel your FAB credit card
- FAB Credit Cards with High Annual Fees: Some FAB cards have annual fees that may not be worth it.
- Keep your card active if you use it rarely.
- You can find better offers elsewhere – other banks may offer lower rates of interest, higher cashback, or even more rewards.
- You can manage your debt by cancelling cards that you don’t use or are high-interest.
- Close some of your credit cards if you’ve got too many.
What to consider before cancelling your FAB credit card
Closed credit cards can affect your credit score, so you should consider the possible consequences before closing a card.
The Effects on Credit Score
The credit usage ratio and the length of your credit history may affect your credit score after cancellation. Closing your FAB credit card may result in a higher utilization rate on your other cards if your FAB has a large credit limit.
The loss of benefits
FAB cards often come with perks such as discounts on dining, travel insurance, and access to airport lounges. You lose these benefits instantly if you cancel your card.
Pending Rewards or Payments
You must pay off any outstanding balances, redeem reward points, or cashback that you still haven’t redeemed before you can cancel your account. FAB won’t allow you to cancel the account if there are pending obligations.
Cancellation Checklist
| Step | Status Check |
| Dues cleared | ✔ Yes / ✘ No |
| Rewards redeemed | ✔ Yes / ✘ No |
| Auto-payments cancelled | ✔ Yes / ✘ No |
| Written confirmation | ✔ Yes / ✘ No |
| Account shows inactive | ✔ Yes / ✘ No |
How to cancel your FAB credit card in by step-by-step process
FAB provides multiple options for cancelling credit cards: over the phone, online, in a FAB branch, or via a written request. Each method is explained in the following detailed step-by-step procedure.
Step 1: Check Your Outstanding Balance
You must pay off all balances, including:
- Purchases Pending
- Cash Advances
- Interest Charges
- Annual fees (if due)
- Charges for late payment
Ask FAB for a settlement total to make sure there aren’t any hidden charges or unpaid bills.
Step 2: You can redeem your reward points or cashback
Before closing the account, redeem any reward points, cashback, or miles that you have earned with your FAB card. Unused rewards will be forfeited once the account has been closed.
What is Redeeming?
- FAB App: Login and redeem your points to get vouchers discount or credit on your statement.
- FAB Rewards website – Transfer your points to airline partners, hotels, or vouchers for shopping.
Step 3: Contact FAB to Request Cancellation
Choose from the following methods for cancellation requests:
Phone Banking is available through
- Contact FAB customer service at: (within UAE), call 600 52 5500.
- Use security questions to verify your iidentity
- Confirm your cancellation by requesting the final settlement and confirming it.
- Pay attention to the instructions on how to close and pay
Visit a FAB Branch
- Find your local FAB branch.
- Bring your Emirates ID card and the nd credit card that you wish to cancel.
- The bank will provide you with a credit card cancellation form.
- Pay any outstanding dues at the Counter.
You can also send an email or a written request.
You can send an email or a letter to some FAB branches. If you are abroad and cannot visit the branch in person, this is a great option. Include:
- Name and full contact information
- Card number only (last four digits for security).
- Justification for cancelling
- Matching signatures to bank records
Step 4: Final Payment
After you receive the total amount due from FAB, make your payment by:
- You can pay by cash or check at any branch
- Transfer money online from your FAB Account.
- Use your debit card at the branch counter.r
FAB can take up to 7 working days before closing the account.
Step 5: Obtain a Certificate of No Liability
FAB issues a Certificate of No Liability after your account is settled. This confirms that you do not owe any money to the bank. The No-Liability Certificate is a very important document as it proves that you have closed your account, particularly if you intend to request new credit.
Step 6: The Credit Card must be physically returned or destroyed.
To avoid misusing the card, FAB might ask you to cut the magnetic stripe and chip into small pieces or return it to the nearest branch.
Step 7: Confirm closure
FAB can take 45 days for the UAE Central Bank to update its system. Contact your bank by phone or email and confirm that your account is closed. Keep all SMS or confirmations, as well as any emails or certificates, for your records.
Outstanding Balance Types
| Balance Type | Description | Cancellation Requirement |
| Purchases | Items bought using the card | Must be fully paid |
| Interest Charges | Fees are applied for late payments | Must be cleared |
| Cash Advances | Cash was withdrawn from the card | Must be settled |
| Installment Plans | Monthly EMI plans | Pay in full or transfer to another account |
Charges and Penalties for Cancelling an FAB Credit Card
FAB does not charge a cancellation fee if you have cleared all dues, but you may incur charges in these cases:
- Early Cancellation within the first year – Annual fee may be non-refundable
- Pending Installment Plans – You must pay the remaining principal in full before closure.
- Unpaid Government Charges – Such as Salik or fines linked to the card
Other Ways as an Alternative to Cancellation
Occasionally, you do not even need to cancel your card. FAB can include such options as:
Place Your Card Under Olive
Change to a no-annual-fee FAB credit card rather than losing it.
Cutting Credit Limit
In case you are being wasteful of money, ask FAB to lower your card limit instead of closing. it
Annual Fee Waiver negotiation
A lot of customers can and do garner annual fee waivers through threatening to cancel, worth trying before proceeding.
Tips to Avoid Mistakes When Cancelling an FAB Credit Card
- Clear every pending amount and ask for a settlement statement to be given
- Redemption reward points before closure
- Gain a No-Liability Certificate on paper
- The Central Bank system has a confirmation of closure check, known as confirmation of closure.
- It is important not to cancel several credit cards simultaneously so as to keep your credit rating intact.ct
What Happens After Cancelling Your FAB Credit Card
Credit Report effect
FAB is going to revise the UAE Central Bank credit reporting system within 45 days. Its status will become Closed -the request of a customer.
Rebate of Annual fee (Where Applicable)
This may mean that some customers may be refunded money paid yearly, which was not used- ask this as the company closes.
Waiting period after reapplication
Losing a FAB credit card. Cancelling your Bahraini FAB credit card could mean that you may not be allowed another one within 6-12 months.
Final Thoughts
It is not quite difficult to cancel your FAB credit card in case you follow an adequate procedure (pay all the dues, redeem your rewards, get in touch with FAB, provide the request, receive a No-Liability Certificate, and close every window in the Central Bank). With such precautions, you stay out of trouble by avoiding the imposition of undeserving punishments and saving your credit records.
Just in case you are not certain about full cancellation, then think about downgrading or renegotiating terms with FAB. Never make any decision blindly, particularly when you are in a financial capital such as the UAE, where your credit records are significant factors in credit borrowings in the future.
Frequently asked questions (FAQ)
Q1. Is it possible to cancel a FAB credit card online?
No, full closure should be through customer service, a visit to the brbranc a request in writing.
Q2. How much time does FAB need to cancel cra edit card?
7: 15 working days, after final payment has been made, but within the Central Bank update may take up to 45 days.
Q3. Will taking a credit card (FAB) affect my UAE credit score?
It is possible, a bit, depending on your usage and the length of your credit history.
Q4. Is it possible to cancel one of the cards of FAB cards that has an installment agreement?
No, pay up the whole of the outstanding principal before closure.
Relevant Blogs:
How to Activate FAB Debit Card: Easy Steps
How to Open a FAB Bank Account Online in Simple Steps
How to check your account balance using the NBAD Balance Inquiry?
FAB Balance Check – Detailed Guide to Check Your First Abu Dhabi Bank Account Balance
Last modified: August 17, 2025
