FAB Cashback Credit Card

The FAB Cashback Credit Card has no joining fee, but it does charge a flat AED 315 annual fee. That fee applies every year the card is open, regardless of how much you spend. There's also a 3.45% monthly purchase rate (41.4% per annum), so paying your statement in full avoids interest charges stacking on top of the annual fee.

To qualify, you need a minimum monthly salary of AED 5,000 and must be at least 21 years old. The card also requires UAE residency. These are the baseline eligibility rules FAB checks before approving an application, on top of standard bank credit checks.

You earn 5% cashback on fashion, dining, and grocery spending, but it's capped at AED 150 per category per month. You also need to spend at least AED 1,000 in a given month before any cashback is earned on these categories at all, so very light spenders won't see a payout. Once that AED 1,000 threshold is cleared, the 5% rate applies up to the AED 150-per-category cap.

International (non-AED) purchases earn 3% cashback, and all other eligible retail spending earns 1%. Both rates count toward a combined global cashback cap of AED 1,000 per month across every category, so total monthly cashback payout is limited by that ceiling rather than by separate per-category caps. Note there's also a 2.61% international transaction fee on non-AED purchases, plus the card network's scheme charge, which offsets some of that 3% return.

No, the FAB Cashback Credit Card currently doesn't list any welcome or sign-up bonus in its offer terms. Its value comes from ongoing monthly cashback and the card's built-in perks rather than a one-time joining reward, so there's nothing extra to claim beyond your regular cashback earnings.

Cardholders get unlimited access to 1,000+ airport lounges worldwide through Mastercard Travel Pass, available to the primary cardholder. You also get 2 discounted Reel Cinemas tickets per month at AED 20 each, plus 4 complimentary airport transfers per year via Careem, subject to availability and advance booking.