FAB Ratibi Card: Benefits and Main Features
The FAB Ratibi Card is a prepaid salary card designed to make salary payments easy and accessible for employees who don’t have a traditional bank account. This card, offered by First Abu Dhabi Bank (FAB), allows users to receive their monthly wages directly on the card, which can be used for everyday purchases, ATM withdrawals, and online payments.
In the UAE, salary payment cards are crucial in ensuring timely and secure payments for workers, especially those who may not have access to standard banking services. These cards align with the UAE’s push towards cashless transactions, streamlining the payroll process and helping employees avoid long queues and bank visits.
What is the FAB Ratibi Card?
The First Abu Dhabi Bank allows employees without a bank account to receive their salary directly on the card. They can use it for everyday transactions, ATM withdrawals, and online payments.
The distinction between Traditional Payroll Cards and Ratibi Card
Unlike traditional payroll cards that often require employees to have a bank account. The First Abu Dhabi Bank Ratibi Card eliminates this need, making it more accessible for workers without access to standard banking. It simplifies salary payments by offering a straightforward, cashless solution.
Additionally, traditional payroll cards may come with more fees and restrictions. The Ratibi Card is designed to offer more flexibility, lower costs, and easier management through the First Abu Dhabi Bank mobile app. Making it a more user-friendly option for employees in the UAE.
Key Benefits of FAB Ratibi Card for Employees
The FAB Ratibi Card offers employees a convenient and cashless way to receive their monthly salary without needing a traditional bank account. It provides quick access to funds, easy balance tracking, and a range of useful features to make salary management hassle-free.
No Need for a Bank Account
Employees don’t need a bank account to receive their salary, simplifying the payroll process for many workers in the UAE.
Instant Access to Salary
Salaries are loaded directly onto the card each month, giving employees immediate access to their funds without waiting for checks to clear.
Easy ATM Withdrawals
With the FAB Ratibi Card, employees can withdraw cash from ATMs across the UAE, just like with any other debit card.
Online Payments
The card allows employees to shop online and pay bills, offering flexibility for everyday transactions.
Mobile App Integration
Employees can track their balance and monitor transactions in real time using the FAB mobile app, making financial management easier.
Zero Annual Fees
Unlike many traditional bank cards, the FAB Ratibi Card comes with no annual fees, making it a cost-effective option.
Rewards and Cashback
Employees can earn rewards, such as cashback and discounts on cinema tickets, simply by using their FAB Ratibi Card for purchases.

Also Check: Open a Bank Account in FAB
How the FAB Ratibi Card Works
The FAB Ratibi Card simplifies salary payments by automatically loading your monthly wages onto the card. It offers an easy way to access and manage your funds without the need for a bank account.
- Salary payments and card loading process: Your employer directly loads your salary onto the card each month through a simple debit entry system.
- Understanding the Ratibi Card balance: Your card balance updates as soon as your salary is credited, and it reflects any purchases or withdrawals you make.
- Checking your salary and transactions: You can easily check your balance and transaction history via FAB ATMs, the FAB mobile app, or by using SMS alerts.
The FAB Ratibi Card Rewards Program
With the FAB Ratibi Card, you can earn FAB rewards and Share Points simply by using your card for everyday purchases. Cardholders can accumulate these points and redeem them for various perks, creating a rewarding experience.
Cardholders also enjoy cashback offers on certain transactions. Exclusive discounts on cinema tickets, allow you to save money while enjoying entertainment. It’s a great way to get more value from your salary.
In addition to rewards, the card allows you to pay bills online, such as utility and mobile bills, directly through the FAB mobile app. This added convenience helps simplify your monthly financial management.
Features of First Abu Dhabi Bank Ratibi Card
The Ratibi Card offers employees a simple and secure way to manage their salary, featuring several key elements that enhance convenience and flexibility.
- Prepaid debit card functionality: The card operates as a prepaid debit card, allowing you to spend only the balance loaded on it, helping with budgeting and financial control.
- Single debit entry system: Employers can load your salary onto the card with a single debit entry each month, making the payroll process seamless and efficient.
- Visa and Mastercard support: The First Abu Dhabi Bank Ratibi Card supports both Visa and Mastercard networks, allowing you to use it globally in stores and online.
Why Choose the FAB Ratibi Card?
The First Abu Dhabi Bank Ratibi Card offers unmatched convenience, especially for employees without bank accounts. It provides easy access to salaries, no annual fees, and a hassle-free way to manage finances.
With added benefits like rewards programs, online bill payments, and seamless integration with the FAB mobile app. The card simplifies your financial life while giving you more value for your spending.

How to Apply for the Ratibi Card
Applying for the Ratibi Card is a simple process. Follow these steps to get started:
- Submit proof of employment from your employer.
- Provide identification documents, such as your Emirates ID.
- Fill out the application form online or at any FAB branch.
- Receive your card after approval and activate it within minutes.
Also Check: Change Mobile Number in FAB
Overall Conclusion
The FAB Ratibi Card is a practical and efficient solution for employees in the UAE. Offering easy access to salaries without the need for a traditional bank account. Its prepaid functionality, no annual fees, and rewards program make it a smart choice for many workers.
With features like online bill payments, ATM withdrawals, and global acceptance, the card simplifies financial management while providing added convenience. If you’re looking for a hassle-free way to receive and manage your salary, the First Abu Dhabi Bank Ratibi Card is an excellent option.