How do I earn cashback?

After AED 3,000 spend in the previous calendar month, eligible UAE grocery, fuel and dining purchases in AED earn 5%; non-AED purchases earn 3%; other eligible AED retail purchases earn 1%. Selected AED categories earn 0.15%.

What cashback limits apply?

For expatriates, each 5% category is capped at AED 150 monthly and all cashback at AED 1,000 monthly. For UAE nationals, those limits are AED 200 and AED 1,500.

What are the annual fee and salary requirement?

The annual fee is AED 315. The minimum salary is AED 5,000.

FAB directs applications through its FAB Mobile app; the card's apply link opens the relevant section of the issuer's product page.

Does foreign spend earn cashback?

Eligible non-AED retail spend earns 3% after the prior-month AED 3,000 threshold. The card also charges an international transaction fee, which can reduce the net value.

What travel perks come with the card?

FAB advertises airport lounge access for the cardholder and one guest, two complimentary airport transfers, and a discount on Careem chauffeur rides.

FAB Islamic Cashback Credit Card Benefits

At a glance

Fees and eligibility

Joining FeeFree

Annual Fee

AED 315

Minimum SalaryAED 5,000

Monthly Profit Rate

3.99%

International Transaction Fee

2.61%

See all fees

Top benefits

Airport loungeUnlimited

See all benefits

Rewards

Category	Rate
Dining, Fuel, Grocery Capped at AED 150 a month each	5%
Government, Utilities +11 more	0.15%
All other spend	1%

Category	Rate
Dining, Fuel, Grocery Capped at AED 150 a month each	5%
Government, Utilities +11 more	0.15%
All other spend	1%

Total rewards capped at AED 1,000 a month

See all rewards

Rewards

5%

cashback on groceries, fuel & dining

3%

cashback on non-AED spend

1%

cashback on all other retail spends

Rewards Calculator

Offers

Card benefits at 14 places in the UAE

See on the map See all 19

Lifestyle

Merchant

Ajmal Perfumes

5% cashback on perfumes and fragrances

Valid until 30 Dec 2026

View offer

Lifestyle

Merchant

City Doctor

7% cashback on medical services online

Valid until 30 Dec 2026

View offer

Lifestyle

Merchant

Dubai Festival City Mall

Access Exclusive Benefits at Dubai Festival City Mall

Valid until 30 Dec 2026

View offer

Lifestyle

Merchant

fnp.ae

Up to 4% cashback on gifts, cakes and flowers online

Valid until 30 Dec 2026

View offer

Additional Benefits

Airport Lounge Access

Unlimited access to 850+ lounges worldwide for the cardholder and one guest.

Airport Transfers

Two complimentary airport transfers.

Fees

315AED

Annual Fee

Free

Supplementary Card

3.15%

Cash Advance Fee

Monthly Profit Rate3.99%*

*Up to 3.99% on purchases and cash advances under the October 2025 schedule.

International Transaction Fee2.61%*

*Current fee schedule applies this to AED and non-AED international transactions, plus 1.15% scheme charges.

Late Payment DonationAED 241.5

Statement ReprintAED 26.25

Transaction Slip CopyAED 26.25

Dispute VerificationAED 105

Late PaymentAED 241.5*

*Charged if the minimum payment is not received by the due date.

Over-LimitAED 303.18*

*Charged when the outstanding balance exceeds the approved credit limit.

Card ReplacementAED 25*

*Reduced from AED 78.75 to AED 25 effective 20 August 2026.

Credit Shield Plus1.04%*

*1.04% per month of the outstanding balance. Optional plan — enrolment required.

Wallet Shield0.42%*

*0.42% per month of the outstanding balance. Optional plan — enrolment required.

Accident Insurance0.26%*

*0.26% per month of the outstanding amount or AED 31.40, whichever is higher. Optional plan — enrolment required.

Instalment / Financing Plans3%*

*Up to 3% per month flat rate on booking amount. Easy Buys/ALOC: up to 4% transaction fee on total principal. Rate confirmed at time of booking.

Instalment Cancellation1.05%*

*1.05% of the principal outstanding amount, maximum AED 10,500.

Plan DefermentAED 262.5

Sales Draft CopyAED 26.25

Liability LetterAED 52.5

Transaction DisputeAED 105

Outstation ChequeAED 52.5

Returned ChequeAED 220.5

Minimum Payment5%*

*5% of the outstanding balance or AED 100, whichever is higher.

Payment DueFree*

*21–25 days from the statement date.

Important Stuff

FAB Islamic Credit Cards Key Facts Statement

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Earlier Card-Specific Key Facts Statement

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FAB Islamic Cashback Schedule of Charges

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FAB Islamic Cashback Credit Card