Lifestyle
Merchant
The Bicester Collection
Exclusive shopping benefits and savings
Valid until 31 Aug 2026
- Joining Fee
- Free
- Annual Fee
- AED 315
- Minimum Salary
- AED 5,000
FAB Islamic Cashback Credit Card
Shariah-compliant cashback: 5% on groceries, fuel and dining, 3% international, 1% elsewhere, plus lounge access and a AED 300 bonus.
≈ AED 13,008 potential value / year
Welcome offer
AED 300 Welcome Cashback
AED 300 cashback after one qualifying transaction within 30 days of card issuance.
New cardholders receive AED 300 cashback after making one qualifying retail transaction within 30 days of card issuance. Not available to customers re-applying for the card or who previously received the FAB Cashback (conventional) welcome bonus.
See full breakdownRewards
5%
cashback on groceries, fuel & dining
5% cashback on grocery, fuel, and dining spends. Capped at AED 200 per category per month, contributing to a combined AED 1,500 monthly cashback cap.
See full breakdown3%
cashback on international spends
3% cashback on all non-AED international transactions, contributing to the combined AED 1,500 monthly cashback cap.
See full breakdown1%
cashback on all other retail spends
1% cashback on all other eligible retail spends. Government, utilities, education, insurance, quasi-cash, bills, real estate, and rental transactions earn a reduced 0.15% rate. Combined monthly cashback across all categories is capped at AED 1,500.
See full breakdownOnline Shopping Offers
Up to 10%
cashback at leading global online stores via merchant offers
Additional cashback of up to 10% at select global online retailers through ongoing merchant-specific offers. Rates vary by merchant and campaign and are separate from the card's core cashback categories and monthly cap.
See full breakdownRewards Calculator
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Eligibility
5,000AED
Minimum Income
Expatriate Minimum Salary: AED 10,000
UAE Nationals require a minimum monthly salary of AED 5,000; expatriates require AED 10,000.
Non-Salary Transfer Annual Fee: AED 525
Salary transfer customers pay AED 315 per year; non-salary-transfer customers, including most expatriates, pay AED 525 per year.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Offers
See all 153View offer
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
The View at the Palm
20% Discount on entry tickets
Valid until 15 Sep 2026
Additional Benefits
Airport Lounge Access
Unlimited access to 850+ lounges worldwide.
Unlimited complimentary access to 850+ airport lounges across 450+ cities in 135+ countries via Mastercard Airport Experiences.
See full breakdownMastercard Buy 1 Get 1 App
900+ Buy 1 Get 1 offers across 600+ merchants in 90+ destinations.
Access to the Mastercard Buy 1 Get 1 App, featuring 900+ offers across 600+ merchants in over 90 destinations, spanning dining, entertainment and retail.
See full breakdownFarfetch Luxury Fashion Access
Access to 3,000+ luxury fashion brands via Farfetch.
Mastercard World cardholders get access and exclusive offers across 3,000+ luxury fashion brands through the Farfetch platform.
See full breakdownmyUS Shipping Discounts
Discounted international shipping via myUS on U.S. online purchases.
Discounted shipping rates through myUS on purchases from U.S. online retailers that don't ship directly to the UAE.
See full breakdownServiced Apartment Discounts
Up to 10% off extended stays at luxury serviced apartments.
Up to 10% discount on extended stays at luxury serviced apartment properties booked through the Mastercard travel benefits program.
See full breakdownCleartrip Airfare Discount
10% off international round-trip airfare via Cleartrip.
10% discount on international round-trip flight bookings made through Cleartrip.
See full breakdownUber Chauffeur Discount
20% off Uber Chauffeur bookings.
20% discount on Uber Chauffeur bookings within the UAE.
See full breakdownVillage Shopping Collection
Exclusive offers at 9 European shopping villages.
Exclusive shopping offers at 9 European Shopping Villages, including Bicester Village (UK), Fidenza Village (Italy), and Ingolstadt Village (Germany).
See full breakdownHertz Gold Plus Rewards Five Star
Automatic Five Star tier membership with Hertz Gold Plus Rewards.
Automatic eligibility for Hertz Gold Plus Rewards Five Star membership, offering expedited counter service and vehicle selection where available.
See full breakdownFees
315AED
Annual Fee
525AED
Annual Fee (Non-Salary Transfer)
Applies to non-salary-transfer customers, including most expatriates.
Free
Supplementary Card
Cash Advance FeeAED 52.5*
*AED 52.50 per transaction, plus the monthly profit rate below applied to the cash advance amount.
Monthly Profit Rate3.5%*
*Effective profit rate under the Murabaha contract — the Shariah-compliant equivalent of an APR — applied to unpaid balances and cash advances.
International Transaction Fee (non-AED)2.49%*
*Plus an additional card-scheme fee of approximately 1% applied by Mastercard.
Late Payment FeeAED 241.5*
*Charged as a Shariah-compliant late payment donation (not interest) if the minimum payment isn't made by the due date.
Over-Limit FeeAED 303.18*
*Charged monthly when the outstanding balance exceeds the credit limit.
Statement ReprintAED 52.5
Transaction Slip CopyAED 26.25
Dispute VerificationAED 105
Credit Shield Takaful0.99%*
*Up to 0.99% of the monthly statement balance. Optional Shariah-compliant payment protection cover.
International Transactions2.61%*
*2.61% of the transaction value plus applicable Visa/Mastercard scheme charges. Not applicable on FAB Travel Card (bank and scheme charges) and Low-Rate Credit Card (bank charges).
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.
Frequently Asked Questions
Get answers to common questions about FAB Islamic Cashback Credit Card credit card
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