FAB Cashback Credit Card
A points-earning credit card by FAB with 0.05 points per AED on groceries, shopping, and dining.
AED 315.00
Up to 0.05 pts/AED
AED 5,000
3.76%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
Earns 0.05 points per AED on groceries, shopping, and dining.
Includes perks like Talabat discount, Carrefour online discount, and lounge access.
International spending earns 0.03 points per AED with no cap.
Accessible with AED 5,000 minimum monthly salary requirement.
Watch out for
Each bonus category capped at AED 150 monthly earnings limit.
AED 315 annual fee is not waivable under any condition.
Requires AED 3,000 monthly spend to earn base rate on general purchases.
Earning Rates
0.05 pts/AED
Cap: Up to AED 150/mo
0.05 pts/AED
Cap: Up to AED 150/mo
0.05 pts/AED
Cap: Up to AED 150/mo
0.03 pts/AED
0.01 pts/AED
Min AED 3,000/mo spend
0.0015 pts/AED
Perks
Fees & Conditions
Frequently Asked Questions
What is the minimum spend to earn points on general purchases?
You must spend at least AED 3,000 per month to earn the base rate of 0.01 points per AED on all other spending. If you spend less than this threshold, you will not earn points on non-bonus category purchases.
What are the caps on bonus category earning?
Groceries, shopping, and dining each have a cap of AED 150 per month in earnings. At 0.05 points per AED, this means you can earn maximum rewards on AED 3,000 spend per category each month before hitting the cap.
Is the AED 315 annual fee waivable?
No, the annual fee of AED 315 is not waivable. There is no spending threshold or condition that allows you to avoid this fee.
Can I use this card abroad without high fees?
The card charges a 3.76% foreign exchange markup on international transactions, which is higher than many competitors. While you earn 0.03 points per AED on international spending, the high markup makes it less attractive for frequent overseas use.
What perks come with this card?
The card includes discounts on Talabat and Carrefour online, plus lounge access and airport transfer benefits. Specific discount amounts and lounge visit limits are subject to the bank's terms.