UAE
UAE A credit card with 5% cashback on fuel, utilities and groceries.
| WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance. |
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Make one retail transaction in the first 30 days of card issuance and you’ll receive AED 300 as bonus cashback.
Get the best cashback rate on your everyday spending with 5% cashback at the supermarket (including online), petrol station and on utility bills. Your cashback will be calculated monthly and rewarded by the statement date on request.
Cashback by shopping type in the UAE:
| Spending type | Cashback % | Posted in the form of equivalent FAB Rewards |
|---|---|---|
Supermarket spending (including online) |
5% |
12.5 FAB Rewards/ AED 1 spending |
Utility payments (excluding telecommunications) |
5% |
12.5 FAB Rewards/ AED 1 spending |
Fuel |
5% |
12.5 FAB Rewards/ AED 1 spending |
All other retail spending including online shopping |
1% |
2.5 FAB Rewards/ AED 1 spending |
Cashback for non- AED spending:
| Spending type | Cashback % | Posted in the form of equivalent FAB Rewards |
|---|---|---|
All non- AED spending |
2% |
5 FAB Rewards/ AED 1 spending |
To redeem your cashback, call FAB call centre on 600 52 5500 and place your request.
Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the FAB Mobile app.
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Download the Mastercard Buy 1 Get 1 App to browse the best offers with 900+ offers across 90+ destinations and 600+ merchants. Learn more.
Plus enjoy many more offers available to FAB Cashback credit cardholders. Learn more.
*Service offered and supported by Mastercard. Terms and conditions of the offer(s) may change without prior notice. Visit mastercard.ae for the latest updates.
Your FAB Cashback card comes with additional protection features
If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off with Credit Shield Plus. Learn more.
Wallet Shield covers fraudulent transactions on your lost or stolen credit cards, stolen cash and stolen identification papers or keys. To apply SMS “WS” to 2121.
Discover a range of travel benefits with your Cashback card
Receive free, unlimited access to over 10 airport lounges in UAE, KSA, Jordan, Kuwait and Egypt. Learn more.
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*Service offered and supported by Mastercard. Terms and conditions of the offer(s) may change without prior notice. Visit mastercard.ae for the latest updates.
| Principal Annual Fee* | AED 315 |
| Supplementary Annual Fee | Free |
| Interest on Retail Purchases** | Up to 3.75% per month |
| Interest on Cash Advance** | 3.50% per month |
| Cash Advance Fee | 3.15% of the amount of cash obtained with a minimum of AED 157.5 per transaction |
| International Transaction Fee | 2.49% of transaction value + scheme charges |
| Credit Shield Plus Fee | 1.04% of outstanding balance |
| Wallet Shield Fee | Charged per month at 0.42% of outstanding balance |
| Accident Insurance Fee | Charged per month at 0.26% of outstanding balance or AED 31.5 which ever is higher |
| Late Payment Fee | AED 241.50 in any month when the payment is late, or not made, or is less than the minimum amount due |
| Over Limit Fee | AED 288.75 in any month when the outstanding balance is greater than the assigned credit limit |
| Plan Deferment Charges | AED 262.50 |
| Cheque Returned Fee | AED 210 |
| Minimum Monthly Payment | 5% of outstanding or AED 100 whichever is higher |
| Payment due date from statement date | 25 days |
| Statement Reprint Charges | AED 26.25 per statement |
| Copies of Transaction Slips | AED 26.25 per transaction slip |
| Outstation Cheque Processing Charge | AED 52.50 |
| Dispute Verification Charge | AED 105 |
| Issuance of Liability Letter | AED 52.50 |
Above fees and charges are inclusive of VAT, if any.
Credit card charges are rounded off to two decimal places.
* Effective from 1 May 2022, the annual fee for non-salary transfer customers holding the FAB Cashback Credit Card will be revised to AED 525
** Effective 11th June 2019, Interest rate on Retail Purchases and Cash Advance balances are subject to increase by 0.5% in case the card account is past due. An account is considered past due if the minimum payment due is not received before the payment due date. Subsequently, interest charges will revert to the prevailing product interest rate at the next billing date if the Card account is no longer past due.
FAB Mobile puts the power of the bank in your hands
We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our Frequently Asked Questions (FAQs) page.
