FAB · UAE CARD REVIEW

FAB Cashback Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 5,000

Annual fee

AED 315

Bank FX charge

2.7405%; scheme fees may apply

Monthly interest rate

3.99%

Reward programme

Cashback

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.

Monthly spend gate: AED 3,000. Monthly reward cap: AED 1,000. Reward earning delay: 1 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 2,421 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

Conventional banking

FABFOOD & SHOPPING

FAB Cashback Credit Card

Dirham Score 3.8/5100% data coverage · editorial methodHow this score works

• + Cashback rewards
• + Published airport lounge benefit
• + Reward limitations disclosed

• − Reward estimate has stated exclusions
• − Bank FX charge 2.7405%; scheme charges may apply

Min. salary: AED 5,000

5% groceries 5% diningCinema perksLounge access

Annual fee AED 315

ESTIMATED FIRST-YEAR VALUE

AED 2,421

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 0

Annual rewards+ AED 2,736.25

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 315

Actual modelled netAED 2,421.25

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.

Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back. · Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Published AED 300 annual fee is modelled as AED 315 including 5% VAT.

AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.

Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.

Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.

Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.

Official bank source · checked 2026-10-18

Credit card fees (July 2026)

Cashback terms (October 2026 version 2)

Cinema terms (May 2026)

Current original FAB Mastercard World artwork; transparent bank-hosted PNG downloaded unchanged on 18 October 2026. WebP copy resized without cropping or changing the depicted card. Image source

FAB

FAB Cashback Credit Card

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.

Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back. · Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Published AED 300 annual fee is modelled as AED 315 including 5% VAT.

AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.

Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.

Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.

Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.

Official bank source · checked 2026-10-18

Credit card fees (July 2026)

Cashback terms (October 2026 version 2)

Cinema terms (May 2026)

Current original FAB Mastercard World artwork; transparent bank-hosted PNG downloaded unchanged on 18 October 2026. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply
• Cinema: Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back.
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• Published AED 300 annual fee is modelled as AED 315 including 5% VAT.
• AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.
• Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.
• Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.
• Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.
• Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
• Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.

Official bank sources and application information

• FAB Cashback Credit Card official product terms
• FAB: Credit card fees (July 2026)
• FAB: Cashback terms (October 2026 version 2)
• FAB: Cinema terms (May 2026)
• FAB Cashback Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.