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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.

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

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.

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

  • 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.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.