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.
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
Explore all FAB cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary 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.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: AED 3,000. Monthly reward cap: AED 1,000. Reward earning delay: 1 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 5 % cashback | AED 150 | 0 |
| Dining | 5 % cashback | AED 150 | 0 |
| International Spend | 3 % cashback | Shared/general conditions | 0 |
| School Fees | 0.15 % cashback | Shared/general conditions | 0 |
| Utilities | 0.15 % cashback | Shared/general conditions | 0 |
| Fuel | 1 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 2,421.25 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.
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
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 assumptionsRewards, fees & important conditions
Read the full FAB Cashback Credit Card review and fee maths
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 2026-10-18Cashback terms (October 2026 version 2)
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.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare FAB Cashback Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare FAB Cashback Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare FAB Cashback Credit Card with CBD Super Saver Visa Signature Credit CardOfficial 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.