Before paying Tabby with your SIB card, weigh the cashback on that repayment against any fee Tabby charges. The outcome depends on how SIB classifies your payment and which Tabby product you use. For the card's wider changes, read our SIB cashback update.
The result on AED 3,000
SIB offers 10% on eligible online and digital-wallet payments, capped at AED 300 per monthly statement. Its cashback terms also assign 0.5% to a group that includes merchant category code (MCC) 5999. Here is what each rate means on an AED 3,000 Tabby Card repayment with a 1% credit-card fee, before other spending uses the 10% cap:
| How SIB classifies the payment | Cashback | After the 1% fee |
|---|---|---|
Eligible for 10% | AED 300 | AED 270 |
MCC 5999 at 0.5% | AED 15 | AED 15 loss |
| How SIB classifies the payment | Cashback | After the 1% fee |
|---|---|---|
Eligible for 10% | AED 300 | AED 270 |
MCC 5999 at 0.5% | AED 15 | AED 15 loss |
The fee is AED 30 in both rows. Tabby's Card key facts permit up to 1% on linked credit-card repayments.
How Tabby payments earn cashback
Repaying a Tabby Card balance is a separate transaction from the original purchase. For SIB cashback, what matters is how that repayment posts to your SIB card. The shop and its spending category describe the purchase, not the cashback SIB will award on the later repayment.
Customers have reported different cashback outcomes on Tabby payments. When a Tabby payment uses MCC 5999, SIB awards 0.5% cashback, including payments made online or through a digital wallet. Choosing Apple Pay or Samsung Wallet does not override SIB's excluded categories. A previous repayment that earned the higher rate does not settle what a later one will earn.
Use the category SIB confirms for your posted repayment, then compare that cashback with the fee Tabby charged. The table shows why this matters: at the lower SIB rate, the repayment fee is larger than the cashback. Check both amounts before choosing a credit card to repay Tabby.
What to check on your payment
- Wait for the SIB transaction to post. Note its date, amount and merchant description.
- Ask SIB for the MCC and cashback category applied to that transaction. Keep the bank's case reference if the answer differs from the cashback credited.
- Check your statement's cashback against the category SIB confirms. Remember that other eligible spending may already have used some of the AED 300 accelerated cashback cap.
- If you are repaying a Tabby Card, compare the cashback with the actual credit-card repayment fee shown by Tabby. If the fee is higher than the reward, the repayment loses money on this cashback calculation.
Pay the Tabby balance by its due date regardless of which method you choose. For SIB's other rates and exclusions, see our card details.
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.
