Ways to Save

How to save on your school fees

As a GEMS parent, there are many ways you can save on your annual school tuition fees

At GEMS Education, we have built our legacy of over 60 years making a high-quality, values-based education available to all. We are delighted to offer you unparalleled options to make significant savings on your school fees. You can now choose to pay school fees online or at the school.

Find out more about the ways you can save on your school fees:

GEMS Rewards 

With GEMS Rewards, GEMS families can explore a range of saving opportunities which help towards reducing the overall impact of annual school fees.


GEMS Rewards, our award-winning loyalty programme, is for life for all GEMS students and alumni, along with an unlimited number of their family and friends.

FAB GEMS Credit Card 

FAB / GEMS Co-branded Credit Card

Use your GEMS FAB Mastercard to pay your annual tuition fees in advance and SAVE up to 4% on GEMS school fees *


Advanced payment of school fees also offers:

  • Get up to 4% discount on your tuition fees *
  • 12 months easy payment plan with 0% Interest
  • Education protection cover of up to AED 500,000 per child at the cost of AED 28 per month per child
  • Earn FAB Rewards points per transaction, which can be used towards future tuition fee payment



Smiles Points 

Pay Your Fees Using Etisalat Smiles Points


You can now link your Smiles & GEMS Rewards accounts, allowing you to transfer your Smiles points to GEMS Rewards points in real time to pay for your child’s tuition fees!

Education Loans 

Education Loans

Avail pre-negotiated education loans with special rates for GEMS parents with our partner banks.

GEMS Exclusive Scholar Plus Education Loan Offer

Apply for a Scholar Plus Education Loan and get value-added benefits including covering your original loan value in the case of an eventuality.

Call: Aamir Yousuf on +971 56 576 7612 
Email[email protected]


HSBC LoanAsYouGo

A flexible borrowing solution that allows you to split your loan into smaller portions to match school term fee payments.

CallCall: Irina Prunescu on +971 56 993 2238 or Syed Yousuf on +971 50 840 3518
Email[email protected]

GEMS and Bank Points 

GEMS and Bank Points

Use your existing loyalty points earned through our partner banks and your GEMS Points earned through the app to pay school fees.

GEMS Points can be earned through: Booking.com | Flights booking | Gift Card purchases | Purchases on Apple Store | Purchases with participating merchants such as Bounce and VR Academi | Air Miles conversion to GEMS Points | Smiles conversion to GEMS Points | Ambassador Programme.


Plus Points earned with Emirates NBD Cards. Click here to redeem now.

Touchpoints earned through ADCB. Click here to redeem now.

FAB Reward points earned with FAB credit cards.

Redeem at the school while paying your fees or call FAB on 600525500.


Ambassador Programme 

Ambassador Programme

Refer a friend to a GEMS school and earn 4% of the referred child's annual tuition fees as GEMS points. These points can be used to pay for your child's school and transportation fees. 

Air Miles 

Air Miles

You can now transfer your Air Miles to GEMS Points to pay for your child’s tuition fees!