FAB Cashback Credit Card review
The card pays 5% cashback on supermarkets, fashion and dining, 3% on international spend, 1% on other purchases and 0.15% on select categories such as utilities and fuel. To earn cashback you need at least AED 3,000 of spend in the previous month, and each 5% category is capped at AED 150 monthly, within an overall ceiling of AED 1,000 per month or your credit limit.
Lifestyle extras round out the package: 40% off Talabat up to AED 40 four times a month on orders of AED 100 or more, AED 40 off Carrefour online with a minimum AED 250 monthly spend, AED 20 movie tickets at Reel, Cine Royal and Star, and free Careem airport transfers. Travellers also get free worldwide lounge access, 8 visits a year for the cardholder and 6 for a companion.
Cashback is credited as FAB Rewards and can be redeemed instantly in the FAB Mobile app. With a low AED 5,000 salary requirement, the card is a solid pick for families and everyday shoppers who spend across groceries, dining and fashion.
Card details
| Bank | FAB |
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| Card type | Cashback |
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| Card network | Mastercard |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 315 |
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| Interest (monthly) | 3.99% |
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| Reward type | Cashback (FAB Rewards) |
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| Reward rate | 5% on supermarkets, 5% on fashion and 5% on dining; 3% on international spend; 1% on other spend; 0.15% on select categories such as utilities and fuelYou must spend at least AED 3,000 in the previous month to earn cashback, and each of the three 5% categories is capped at AED 150/month AED 150/month on each 5% category (supermarket, fashion, dining), with an overall cashback ceiling of AED 1,000/month or until the credit limit is reached Cashback is paid as FAB Rewards and can be redeemed instantly through the FAB Mobile app. Expiry is not stated |
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| Lounge access | Free worldwide airport lounge access, with 8 visits/year for the cardholder and 6 for a companion |
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| Quick cash | Quick Cash available bank-wide, with up to a 4% processing fee |
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| Balance transfer | 0% balance transfer plans available bank-wide, with the rate set per agreement |
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| Instalment plan | 0% Easy Payment Plans available bank-wide |
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FAB Cashback Credit Card benefits
✓5% cashback on supermarkets, fashion and dining (each capped at AED 150)
✓3% cashback on international spend
✓40% off Talabat, up to AED 40, 4 times/month on a min AED 100 order
✓AED 40 off Carrefour online with a min AED 250/month spend
✓Movie tickets at AED 20 at Reel, Cine Royal and Star
✓Free Careem airport transfers
Offers and payment options
Quick cashQuick Cash available bank-wide, with up to a 4% processing fee
Balance transfer0% balance transfer plans available bank-wide, with the rate set per agreement
Instalment plan0% Easy Payment Plans available bank-wide
FAB Cashback Credit Card fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance); Cashback own KFS states 46.2% purchases / 47.9% cash advance |
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| Cash advance fee | Up to 3.15% (plus VAT) or AED 157.50, whichever higher |
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| Late payment fee | 241.50 |
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| Over-limit fee | 303.18 |
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| Foreign currency fee | Up to 2.61% + VAT + scheme charges (~1%) |
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| Minimum payment | 5% of outstanding or AED 100, whichever higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 (reducing to 25 effective 20 Aug 2026) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits everyday spenders who want high cashback on groceries, dining and fashion.
What works well
- ✓Strong 5% cashback on everyday categories
- ✓Generous lounge allowance
- ✓Accessible AED 5,000 salary bar
What to weigh up
- −Category caps limit total cashback
- −You must spend AED 3,000 the prior month to earn cashback
FAB Cashback Credit Card eligibility
Min salary AED 5000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB Cashback Credit Card FAQs
Min salary AED 5000; UAE resident
The listed annual fee is AED 315. Ask the bank whether a spend-based waiver is currently available.
5% on supermarkets, 5% on fashion and 5% on dining; 3% on international spend; 1% on other spend; 0.15% on select categories such as utilities and fuel
It suits everyday spenders who want high cashback on groceries, dining and fashion.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
