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+ monthly across groceries, fuel, and dining combined.
Not ideal if
You prefer a no-fee card or spend mostly outside the bonus categories.
Watch out for
AED 315 annual fee is not waivable; caps limit each category to AED 150 monthly.
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 clear monthly caps.
3% cashback on international purchases with no cap.
Sharia-compliant structure for customers seeking Islamic finance.
Lounge access and airport transfer perks included.
Watch out for
AED 315 annual fee with no waiver option.
Each bonus category capped at AED 150 cashback per month.
Only 0.15% cashback on education spending, limiting school fee value.
Fees & Conditions
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Frequently Asked Questions
Is the AED 315 annual fee worth it?
It depends on your spending. If you consistently earn close to the AED 150 monthly cap in groceries, fuel, or dining, you can recover the fee. Otherwise, a no-fee card may offer better value.
What are the monthly cashback caps?
Groceries, fuel, and dining each cap at AED 150 cashback per month. To hit the cap in one category, you need to spend AED 3,000 in that category each month.
Can I use this card abroad?
Yes. You'll earn 3% cashback on international purchases with no cap, though a 3.76% foreign exchange markup applies.
Does this card earn cashback on school or university fees?
Yes, but only 0.15% cashback on education spending, which 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 Islamic finance principles.