FAB Cashback Credit Card
A cashback credit card by FAB with 5% 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 AED 3,000 or more monthly, mostly on groceries, shopping, and dining.
Not ideal if
You spend heavily on utilities, education, or other low-earning categories.
Watch out for
AED 3,000 monthly minimum spend required to earn 1% baseline cashback on all other purchases.
Calculate This Card’s Value
Earning Rates
5%
5%
5%
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 with no caps.
3% cashback on international spend, useful for travel and online shopping abroad.
Welcome bonus up to AED 1,000 Amazon Gift Card for AED 10,000 spend in 30 days.
Lounge access and airport transfer perks included.
Watch out for
AED 315 annual fee is not waivable.
Only 0.15% cashback on utilities and education, effectively negligible.
AED 3,000 monthly minimum spend required to earn 1% on all other categories.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is worth it if you spend at least AED 2,000 monthly on groceries, shopping, and dining, where you earn 5% cashback. At that level, you earn AED 1,200 annually, easily covering the fee. The welcome bonus of up to AED 1,000 also helps offset the first year's cost.
What is the minimum spend to earn cashback?
You must spend at least AED 3,000 per month to earn the 1% baseline cashback on all other purchases. The 5% on groceries, shopping, and dining, and 3% on international spend, have no minimum spend requirement.
Can I use this card abroad?
Yes, you earn 3% cashback on international purchases. However, the card charges a 3.76% foreign exchange markup, so your net benefit is slightly negative on international 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 earns a larger reward.
Does this card earn on school or university fees?
Yes, but only 0.15% cashback on education fees, which is very low. If you pay significant school or university fees, this card is not a strong choice for that category.