Choose FAB Travel if you want FAB Rewards and can use its flight benefits. Choose ADCB Traveller if you prefer cashback. Compare the spending conditions and redemption options before deciding: the headline travel rate alone does not show what either card will earn for your budget.
Rewards & Cashback
FAB advertises 12% back in FAB Rewards on flights and hotels, capped at AED 1,800 a month. Qualifying requires AED 5,000 of spending in the previous month.
ADCB pays 10% cashback on flights and hotels, 50% on online movie tickets in AED, and 1.5% on other domestic AED spending. A calendar month needs AED 5,000 of retail spending to qualify, with AED 1,500 maximum cashback. Other international retail purchases do not earn cashback.
Compare a normal month of spending, including months without a flight or hotel booking. Use the live card comparison to change the spending profile.
Reward Currency & Redemption
FAB Travel earns FAB Rewards. Your chosen redemption affects how those points work for you; points and cash are different reward currencies.
ADCB Traveller earns cashback. Its Expedia welcome voucher is a separate benefit, not the form in which everyday cashback is paid.
Travel & Lifestyle Benefits
FAB provides 14 lounge visits annually with one guest per visit. A second guest gets up to six visits with AED 5,000 monthly spending. Register in Mastercard Travel Pass and meet the international-transaction condition before travelling.
ADCB also provides 14 lounge visits annually, with one guest per visit. Its access conditions include registration and a qualifying non-AED transaction after the first two visits.
Look at the card details for airport transfers, hotel memberships and other benefits you expect to use. Count a benefit only when your travel plans and spending meet its conditions.
Annual Fees & Waiver Policies
Both cards charge AED 1,575 annually. Compare that cost with the rewards and benefits you will actually use, separately from any welcome offer.
FAB's welcome return flight requires payment of the annual membership fee. Its anniversary flight is a different benefit and requires AED 300,000 of retail spending in the previous year.
ADCB's AED 2,000 Expedia voucher requires payment of the annual fee and AED 15,000 spending within 60 days of issuance. The voucher expires six months after issue; the stay must finish before expiry. It covers the base room rate of one room booked at expedia.ae/adcb, and Expedia's exclusion list rules out hotels in the Marriott, Hilton, IHG, Radisson, Wyndham, Four Seasons and Emaar groups, Rove and Atlantis, among other chains.
Interest Rates & Fees
Both cards advertise no foreign-currency processing fees. Interest, cash advances and late payments remain separate costs. Paying the statement balance in full by its due date keeps a rewards comparison focused on spending rather than borrowing.
Read the current fees on the FAB Travel details and ADCB Traveller details. A headline rewards rate is not a reason to carry a balance or withdraw cash.
Final Comparison Summary
| Category | FAB Travel Card | ADCB Traveller Card |
|---|---|---|
| Reward currency | FAB Rewards | Cashback |
| Travel-spend qualification | Previous-month spending | Current calendar-month spending |
| Lounge access | Annual visit allowance; guest conditions apply | Annual visit allowance; guest conditions apply |
| Welcome benefit | Return flight, separate from the anniversary flight | Expedia hotel voucher |
| Main decision | Can you use the points and flight benefits? | Does the cashback fit your domestic and travel spending? |
| Category | FAB Travel Card | ADCB Traveller Card |
|---|---|---|
| Reward currency | FAB Rewards | Cashback |
| Travel-spend qualification | Previous-month spending | Current calendar-month spending |
| Lounge access | Annual visit allowance; guest conditions apply | Annual visit allowance; guest conditions apply |
| Welcome benefit | Return flight, separate from the anniversary flight | Expedia hotel voucher |
| Main decision | Can you use the points and flight benefits? | Does the cashback fit your domestic and travel spending? |
Conclusion
Use your regular spending and expected trips to choose between these cards. Compare the recurring return first, then assess welcome benefits separately. The better card is the one whose conditions you meet and whose rewards you can use.
Checked against the FAB Travel product terms and ADCB Traveller product terms on 13 September 2026.
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Kredit provides informational content only and does not offer financial advice. We do not guarantee accuracy and recommend consulting a licensed financial professional before making decisions.
