- AED 3,000 monthly spend is required to obtain FAB Rewards.
- Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile App, while other card offers an instant cashback redemption option.
- No welcoming bonus is available.
- Monthly cashback caps of AED 150 per category are relatively low.
FAB

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Cashback %
Rewards Mechanism
- For every AED 1:
– 5 FAB Rewards on online spending.
– 1 FAB Reward on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
– Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.
None
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
Welcoming Gift/Bonus
FAB Rewards Indulge Credit Card currently doesn’t offer a welcome bonus.
Annual Fee (inclusive of Vat)
No annual fee credit card.
Minimum Salary Requirement
AED 5,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.99%
Cashback Info:
Rewards program
FAB Rewards program
Reward Mechanism:
- For every AED 1:
– 5 FAB Rewards on online spending.
– 1 FAB Reward on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
– Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.
Redeem points:
FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.
Airlines Program:
Key benefits
- 20% off your shopping on Namshi.com
- Airport lounge access (4 visits per year)
- Up to 20% off at over 150 restaurants across the UAE.
- Get up to 20% off on your favorite entertainment and attractions across the UAE.
Other benefits
- AED 20 per standard movie ticket at Cine Royal, Star Cinemas, and Reel Cinemas.
- 10% off car rentals with rentalcars.com.
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
What We Did Not Like
- The cards will offer the greatest value once AED 10,000 is spent; otherwise, the points will be limited.
- The high rewards rate is limited to online shopping, with reduced earnings on special categories such as groceries.

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Cashback %
Rewards Mechanism
For every AED 1:
- Up to 20 FAB Rewards on luxury spending.
- 10 FAB Rewards on eco-friendly purchases.
- Up to 5 FAB Rewards on all other spending in the UAE and abroad.
- 0.5 FAB Rewards on low-interchange items such as groceries and fuel.
None
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- High FAB rewards earning rate for luxury enthusiasts.
Welcoming Gift/Bonus
FAB Elite Credit Card currently doesn’t offer a welcome bonus.
Annual Fee (inclusive of Vat)
AED 1,260
Minimum Salary Requirement
AED 50,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.99%
Cashback Info:
Rewards program
- FAB Rewards program.
Reward Mechanism:
For every AED 1:
- Up to 20 FAB Rewards on luxury spending.
- 10 FAB Rewards on eco-friendly purchases.
- Up to 5 FAB Rewards on all other spending in the UAE and abroad.
- 0.5 FAB Rewards on low-interchange items such as groceries and fuel.
Redeem points:
FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.
Airlines Program:
Key benefits
- Complementary Lounge access for two persons.
- 3 complimentary Airport fast track services per year.
- 6 airport transfers a year with the Careem App.
- Free access to 60+ beach clubs, gyms, and sports clubs with ADV+.
- Up to 40% off at top restaurants in the UAE with ADV+
- Dedicated lifestyle concierge support 24/7.
- Guaranteed gift of gold from the FAB Rewards Shop if you spend AED 500,000 a year or more on your card.
Other benefits
- One hour complimentary valet parking at premium locations.
- Eight movie tickets from AED 20 each per month at Reel, Royal, Star, and VOX Cinemas.
- 20% off Emaar attractions.
- 20% off Dubai Holding attractions.
- 30% off golf worldwide with the Mastercard Golf Programme.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- High FAB rewards earning rate for luxury enthusiasts.
What We Did Not Like
- No notable disadvantages.

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Cashback %
- 5% cashback at supermarkets (including online grocery orders)
- 5% cashback on dining out (restaurants, cafes, bars/nightclubs, and fast food)
- 5% cashback at petrol stations (fuel and additional in-store spending)
- 0.5% cashback on all other spending both in the UAE and abroad.
Rewards Mechanism
None
- 5% cashback at supermarkets (including online grocery orders)
- 5% cashback on dining out (restaurants, cafes, bars/nightclubs, and fast food)
- 5% cashback at petrol stations (fuel and additional in-store spending)
- 0.5% cashback on all other spending both in the UAE and abroad.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- Earning and spending cashback is quick and easy through the Dubai First Mobile App. Save your cashback for a special purchase or add it back as credit to your card.
- One of the most accessible cashback cards in the UAE with only AED 5,000 minimum salary.
Welcoming Gift/Bonus
Dubai First Cashback Credit Card currently doesn’t offer a welcoming bonus.
Annual Fee (inclusive of Vat)
AED 418.95
Minimum Salary Requirement
AED 5,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.5%
Cashback Info:
Cashback Conditions
- No minimum spend mentioned.
- Cashback earning is capped at AED 150 per month per category.
Cashback %:
- 5% cashback at supermarkets (including online grocery orders)
- 5% cashback on dining out (restaurants, cafes, bars/nightclubs, and fast food)
- 5% cashback at petrol stations (fuel and additional in-store spending)
- 0.5% cashback on all other spending both in the UAE and abroad.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Enjoy 0% interest, Easy Purchase Plans, Loan-on-Phone, and Balance Transfers at preferential rates.
- 20% off on one food or grocery delivery per month with Talabat.
- Up to 4 standard movie tickets every month from AED 20 at VOX Cinemas, if you spend AED 4,000.
- Free airport lounge access with the Mastercard Travel Pass app.
- Great travel discounts on Booking.com, IHG Hotels and Resorts, Avis, Rentalcars.com, and Cleartrip through Mastercard Priceless benefits
Other benefits
- Fiit.tv: 25% discount on your first subscription — enjoy 800+ workouts with world-class trainers across Barre, HIIT, strength, yoga, and more.
- Go Gamers: 50% off a Go Gamers Premium Membership to unlock access to tournaments including FIFA, League of Legends, and more. Compete to win prizes and get coaching sessions from experts.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- Earning and spending cashback is quick and easy through the Dubai First Mobile App. Save your cashback for a special purchase or add it back as credit to your card.
- One of the most accessible cashback cards in the UAE with only AED 5,000 minimum salary.
What We Did Not Like
- Cashback is capped at only AED 150 per month per category (max AED 450/month on the 5% categories)
- Only 0.5% cashback on all other categories.
- Annual fee of AED 399 + VAT applies with no first-year-free offer currently advertised

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Cashback %
- 5% cashback on supermarket spending (including online), fashion, and dining.
- 1% cashback on all other spending, excluding select categories.
- 0.15% cashback on select categories.
- 3% Cashback on all non-AED spending.
Rewards Mechanism
None
- 5% cashback on supermarket spending (including online), fashion, and dining.
- 1% cashback on all other spending, excluding select categories.
- 0.15% cashback on select categories.
- 3% Cashback on all non-AED spending.
Why We Choose It
- 5% cashback across three major categories (supermarket, fashion, dining) with no minimum spend per transaction.
- 3% on international spending with no cap.
- Generous lifestyle discounts (Talabat, Carrefour, Costa, Farfetch)
Welcoming Gift/Bonus
FAB Cashback Credit Card currently does not offer a permanent welcome bonus. However, FAB may run limited-time promotions from time to time.
Annual Fee (inclusive of Vat)
AED 315
Minimum Salary Requirement
AED 5,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.50%
Cashback Info:
Cashback Conditions
Cashback is capped at AED 150 per month each for supermarket, fashion, and dining spending, while non-AED transactions, other spending (1%), and select categories (0.15%) have no individual caps, with an overall cashback limit of AED 1,000 per month or until eligible spending reaches the credit limit, whichever comes first.
Cashback %:
- 5% cashback on supermarket spending (including online), fashion, and dining.
- 1% cashback on all other spending, excluding select categories.
- 0.15% cashback on select categories.
- 3% Cashback on all non-AED spending.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Complimentary lounge access for two people, including 8 free visits per year for the cardholder and 6 guest visits annually.
- AED 40 off on Carrefour online when you spend a minimum of AED 250 once every month.
- 40 % off orders on the Talabat app, up to AED 40 off each order, only on weekend (Saturday, Sunday) with a minimum order of AED 100.
- Two monthly movie tickets for AED 20 at Reel Cinemas, Cine Royal, and Star Cinemas.
Other benefits
- Up to 40% off MakeMyTrip bookings.
- 1 free airport transfer per year with Careem App.
- Up to 2 free Costa coffees at Dubai Airport + 2 additional items.
- 10% off Farfetch.com on min USD 300 spend.
Why We Choose It
- 5% cashback across three major categories (supermarket, fashion, dining) with no minimum spend per transaction.
- 3% on international spending with no cap.
- Generous lifestyle discounts (Talabat, Carrefour, Costa, Farfetch)
What We Did Not Like



