3FAFirst Abu Dhabi Bank (FAB)FAB CashbackAED 300/yr · AE

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Cash Back · United Arab Emirates

FAB Cashback Credit Card

4.3 / 5 editorial score

The FAB Cashback Credit Card from the UAE's largest bank offers high cashback on groceries and dining and 3% on international spends for an AED 300 annual fee, plus airport lounge access for added travel value.

#3 of 7 · Cash Back · UAE #7 of 17 · All UAE cards

Annual feeAED 300/yr

IssuerFirst Abu Dhabi Bank (FAB)

NetworkMastercard

Welcome offerWelcome cashback offer for new cardholders

Interest rateApprox. 3.25% per month on outstan…

Foreign feeForeign currency markup applie…

Who qualifiesStable income, UAE residency

Why it ranks

Strong cashback on everyday essentials
Modest AED 300 annual fee
Lounge access included

What holds it back

Cashback categories may be capped monthly
Foreign currency markup on overseas spend
Top rates may require a minimum monthly spend

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Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.

Our verdict

Why the FAB Cashback Credit Card ranks where it does

FAB Cashback is a solid household card for people who spend at least AED 3,000 a month on it, and a poor one for anyone who does not. It pays 5% on dining, groceries and fashion, each capped at AED 150 a month, 3% on international spends and 1% on everything else, with an overall cap of AED 1,000. None of it applies in a month that follows one with less than AED 3,000 of spend.

The fee is AED 300, AED 315 with VAT, which is easy to recover: the three 5% categories can return up to AED 450 a month between them. Each cap is reached at AED 3,000 of spend in that category, so a family spending AED 2,000 on groceries and AED 1,000 on dining is well inside the limits. The 3% international rate is unusually high for a UAE cashback card, although the currency spread still applies.

The card also includes up to 8 free lounge visits a year for the cardholder and 6 for a companion, rare at this fee level. Spending on government services, utilities and similar categories earns 0.15%. The minimum salary is AED 5,000, so it suits most working households that put their regular spending on one card.

Good fit if

Households spending AED 3,000 or more a month on one card
Families with steady grocery and dining bills
Occasional travellers who want lounge visits for a companion

Skip it if

Anyone who spends under AED 3,000 in some months
People who want a card with no annual fee

Worked example

Assume AED 2,000 a month on groceries, AED 1,000 on dining, AED 500 on fashion and AED 1,500 on other spends, AED 5,000 in total. Groceries earn 5%, AED 100; dining AED 50; fashion AED 25; other spends 1%, AED 15. That is AED 190 a month, all below the category caps, or AED 2,280 a year. Subtracting the AED 315 fee including VAT leaves AED 1,965. The previous-month AED 3,000 condition is met every month, and cashback is taken at face value.

How it stacks up

The Mashreq Cashback is free for life and pays 5% on dining with no minimum spend, but only 1% on groceries and fashion. The ADCB 365 Cashback pays more on dining and fuel, 6% and 5%, for AED 383.25 from year two, but needs AED 5,000 of spend every month to earn anything. FAB sits between the two: a small fee in exchange for broader 5% categories.