FAB Cashback Credit Card
Earn up to 5% cashback on everyday spending
at FAB's secure site
See rates & fees.
Cashback rate
The 5% headline is real and the salary bar is low, which makes this one of the strongest budget cashback cards in the UAE. But FAB has fenced it carefully: 150 caps per category, a previous-month spend gate, and payouts in FAB Rewards rather than cash. Know the fences and it pays; ignore them and it quietly stops paying.
Earning and redeeming cashback
Cashback accrues as FAB Rewards at fixed posting rates — 5% categories post 17 FAB Rewards per 1, international spend posts 10, and everything else 3.5 or 0.5. The three 5% categories (supermarkets, fashion, dining) are each capped at 150 cashback per month, and everything together stops at 1,000 per month. Crucially, you must have spent 3,000 in the previous calendar month or nothing earns at all.
Redemption happens instantly in the FAB Mobile app, where roughly 16,700 FAB Rewards convert to 50 of cashback value. Watch the dead zones: government payments, bills, education, insurance, rent and transport earn a token 0.15%, and quasi-cash, exchange-house and 0% installment transactions earn nothing. Unredeemed cashback expires 2 years after the transaction.
Rates and fees
- Annual fee
- 315 incl. VAT; supplementary cards free
- Minimum salary
- 5,000 per month
- Interest rate
- 3.99% per month on retail purchases (47.88% APR)
- Foreign transaction fee
- Up to 2.61% plus VAT and scheme charges
- Cash advance
- Up to 3.15% plus VAT, minimum 157.50
- Late payment / overlimit
- 241.50 / 303.18
Rates per FAB's Schedule of Fees, inclusive of VAT unless noted; verified August 2026 and subject to change by the bank.
Card benefits
5% on three everyday categories
Supermarkets, fashion and dining all pay 5% on spend — capped at 150 cashback per category each month.
3% on international spend
All non- transactions earn 3% with no category cap, softening the card's 2.61%+ foreign transaction fee.
Airport lounge access
FAB advertises free worldwide lounge access with this card, though the program and visit limits aren't published.
Talabat, Carrefour and cinema deals
40% off Talabat orders, 40 off Carrefour online, 20 movie tickets and 40% off MakeMyTrip bookings.
Card protection add-ons
Optional Credit Shield (1.04% of balance), Wallet Shield and an Accident Care Plan with up to 150,000 cover.
Instant redemption
Cashback lands as FAB Rewards and converts to statement value instantly in the FAB Mobile app.
Pros and cons
- Strong 5% rate on three everyday categories most UAE families actually spend on
- 3% on all foreign-currency spend with no category cap
- Low 5,000 salary requirement and a modest 315 annual fee
- Cashback lands as FAB Rewards you can redeem instantly in the FAB app
- Each 5% category is capped at just 150 cashback per month ( 3,000 of spend)
- You must spend 3,000 in the previous month or you earn nothing at all
- Government, bills, education, insurance and rent earn a token 0.15%
- Cashback is paid in FAB Rewards, not direct statement credit, and expires after 2 years
- 3.99% monthly interest and a 2.61%+ foreign transaction fee are on the high side
Is it right for you?
Get this card if
- Your grocery, dining and fashion spend is at least 2,000-3,000 a month, every month
- You want a high cashback rate on a 5,000 salary without a premium fee
- You spend abroad or online in foreign currency and want 3% back on it
Consider skipping it if
- Your monthly card spend swings below 3,000 — off months earn zero
- Most of your budget goes to rent, bills, school fees or government payments
- You want uncapped cashback or direct-to-statement payouts
Alternatives to consider
Emirates Islamic's Amazon co-brand focuses its cashback on Amazon.ae and online spend instead of supermarket aisles.
Best online shopping cards →
FAB's Z Card drops the first-year fee entirely and swaps cashback caps for streaming, gaming and delivery discounts.
Best no-annual-fee cards →
The FAB Travel Card pays 12% back on flights and hotels with zero FX fees — a different trade for bigger spenders.
Best travel cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What cashback does the FAB Cashback Credit Card pay?+
5% on supermarkets, fashion and dining (each capped at AED 150 cashback per month), 3% on all non-AED international spend, 1% on other retail spend, and 0.15% on select categories such as government payments, bills, education, insurance and real estate. Total cashback is capped at AED 1,000 per month.
What is the minimum salary for the FAB Cashback Card?+
AED 5,000 per month, as stated on FAB's card page.
Is there a minimum spend to earn cashback?+
Yes. You must spend at least AED 3,000 on the card in the previous calendar month to earn any cashback.
How is the cashback paid out?+
It is credited monthly as FAB Rewards (for example, 5% is posted as 17 FAB Rewards per AED 1 spent) and can be redeemed instantly in the FAB Mobile app — roughly 16,700 FAB Rewards convert to AED 50 of cashback value. Cashback is valid for 2 years from the transaction date.
What is the annual fee on the FAB Cashback Card?+
AED 315 including VAT for the primary card; supplementary cards are free, per FAB's Schedule of Fees.
Which transactions earn no cashback?+
Cash advances, fees and finance charges, balance transfers, foreign-currency purchases at exchange houses, insurance premium products like Credit Shield, quasi-cash and money-transfer MCCs, UAE Direct Debit transactions and 0% installment conversions all earn nothing.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.