FAB
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.
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
Welcoming Gift/Bonus
No annual fee credit card
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback 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
- 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
- Movie tickets at only AED 20.
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.
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, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- First-year free offer available.
- High FAB rewards earning rate for luxury enthusiasts.
Welcoming Gift/Bonus
First-year free then AED 1200.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback 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, including abroad.
– 0.5 FAB Rewards on low-interchange 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.
- Free access to 60+ beach clubs, gyms, and sports clubs with ADV+.
- Up to 50% off over 100 five-star restaurants in the UAE.
- 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
- 5 valet parking per month at premium locations in the UAE.
- Movie tickets are from only AED 20.
- 20% off Emaar attractions.
- 20% off Dubai Holding attractions.
- 30% off golf worldwide with Mastercard Golf Programme.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- First-year free offer available.
- High FAB rewards earning rate for luxury enthusiasts.
What We Did Not Like
- No notable disadvantages.
Cashback %
- 5% cashback on groceries, fuel, and dining out.
- 3% cashback on international spends
- 1% All other categories.
Rewards Mechanism
- 5% cashback on groceries, fuel, and dining out.
- 3% cashback on international spends
- 1% All other categories.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- The card instantly shows cashback rates and allows immediate access to redemption options.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- No minimum spending requirement for cashback to be obtained.
- Maximum monthly cashback of AED 1,000.
- 5% cashback on groceries, fuel, and dining out.
- 3% cashback on international spends
- 1% All other categories.
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.
- Movie tickets from just AED 20 at VOX cinemas.
- Unlimited complimentary access to select airport lounges.
- Access to hundreds of buy-1-get-1 offers, including spa treatments, travel offers, fine dining, and much more.
Other benefits
- Careem App: Get 25% off on food orders and DineOut twice monthly until 31 Dec 2025.
- Coffee Shops: AED 20 off (min. AED 40) at Starbucks, Costa, iHop, and more, twice monthly till 31 Dec 2025.
- LuluHypermarket.com: Extra 20% off (max AED 50), min. AED 250, twice monthly till 31 Dec 2025.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- The card instantly shows cashback rates and allows immediate access to redemption options.
What We Did Not Like
- Caps apply per category.
- Limited benefits for cardholders.
- High annual fee relatively.
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
- 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
- No minimum spends requirement for cashback to be obtained.
- 5% Cashback on fashion differentiates the card for shoppers.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- No minimum spending requirement for cashback to be obtained.
- Caps apply per category.
- 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
- Complementary lounge access for two persons.
- 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, four times a month, 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.
- 15% discount on hotel rooms at IHG Hotels & Resorts.
- 2 free airport transfers with Careem.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- 5% Cashback on fashion differentiates the card for shoppers.
What We Did Not Like
- 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.
