FAB Islamic Cashback Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by FAB Islamic with 5% cashback on groceries, fuel, and dining.
AED 315.00
5% groceries
AED 5,000
3.76%
This card also has a conventional version (FAB Cashback Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 3,000 or more monthly in each of groceries, fuel, and dining.
Not ideal if
You mainly spend on categories outside groceries, fuel, and dining.
Watch out for
AED 150 monthly cap per category limits total cashback on high spending.
Calculate This Card’s Value
Earning Rates
5%
Cap: Up to AED 150/mo
5%
Cap: Up to AED 150/mo
5%
Cap: Up to AED 150/mo
3%
0.15%
1%
Perks
Key Strengths and Weaknesses
Strengths
5% cashback on groceries, fuel, and dining with separate AED 150 monthly caps.
3% cashback on international purchases for overseas spending.
Sharia-compliant structure for customers seeking Islamic finance products.
1% cashback on all other spending provides baseline rewards.
Watch out for
AED 315 annual fee is not waivable, requiring consistent spend to offset.
AED 150 monthly cap per category limits high earners in each category.
3.76% FX markup reduces net value of international cashback.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
ADCB
365 Cashback Credit Card
Similarity score88/100
RAKBANK
Titanium Credit Card
Similarity score84/100
Citibank
Premier Credit Card
Similarity score79/100
Mashreq
Platinum Plus Credit Card
Similarity score79/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
ADCB Islamic
365 Cashback Credit Card
Comparison fit83/100
Emirates Islamic
Switch Cashback Credit Card (Lifestyle Option)
Comparison fit74/100
Mashreq Al Islami
Cashback Islamic Credit Card
Comparison fit73/100
RAKBANK
World Credit Card
Comparison fit73/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is worth it if you regularly hit the AED 150 monthly caps in groceries, fuel, and dining. Maxing out all three categories each month yields AED 5,400 in annual cashback, easily offsetting the fee.
What is the monthly cap on cashback?
Each of the three 5% categories (groceries, fuel, dining) has a separate AED 150 monthly cap. You can earn up to AED 450 per month across all three if you max out each category.
Can I use this card abroad?
Yes, you earn 3% cashback on international purchases. However, the 3.76% foreign exchange markup means your net benefit is slightly negative on foreign currency transactions.
Does this card earn cashback on school or university fees?
Yes, education spending earns 0.15% cashback with no cap. This is much lower than the 5% on groceries, fuel, and dining.
Is this card Sharia-compliant?
Yes, the FAB Islamic Cashback Islamic Credit Card is structured to comply with Sharia principles, making it suitable for customers seeking Islamic finance products.