FAB Cashback Credit Card
A cashback credit card by FAB offering 5% cashback on groceries, shopping, and dining, plus 3% on international spend.
AED 315.00
5% groceries
AED 5,000
3.76%
This card also has an Islamic/Sharia-compliant version (FAB Islamic Cashback Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend consistently on groceries, shopping, and dining each month.
Not ideal if
You rarely use the bonus categories or prefer cards with fee waivers.
Watch out for
Each 5% category caps at AED 150 cashback per month.
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%
1%
Min AED 3,000/mo spend
0.15%
0.15%
Perks
Key Strengths and Weaknesses
Strengths
5% cashback on groceries, shopping, and dining.
3% cashback on international spend with no cap.
Welcome bonus up to AED 1,000 Amazon Gift Card.
Accessible AED 5,000 minimum salary requirement.
Watch out for
AED 315 annual fee with no waiver option.
Each 5% category capped at AED 150 cashback monthly.
1% baseline cashback requires AED 3,000 minimum monthly spend.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is not waivable. To break even, you need to earn at least AED 315 in cashback per year. Maxing out the 5% categories (AED 150 each per month on groceries, shopping, and dining) can deliver AED 5,400 annually, making the fee worthwhile if you spend consistently in those categories.
What is the minimum spend to earn cashback?
You must spend at least AED 3,000 per month to earn the 1% cashback on all other spends. The 5% and 3% category rates have no minimum spend requirement.
Can I use this card abroad?
Yes, you earn 3% cashback on international purchases with no cap. However, a 3.76% foreign exchange markup applies, which slightly reduces the net benefit on foreign currency transactions.
How does the welcome bonus work?
Spend AED 5,000 within 30 days of card issuance to receive an AED 500 Amazon Gift Card, or spend AED 10,000 to receive an AED 1,000 Amazon Gift Card. The bonus is tiered, so higher spend unlocks a larger reward.
Does this card earn on school or university fees?
Yes, but education spend earns only 0.15% cashback, the same low rate as utilities. For meaningful rewards on education fees, consider cards with dedicated education earn rates.