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Cashback
First Abu Dhabi Bank
Cashback Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 315
Monthly rate
3.99%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
59.9%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 315
- Fee note
- No standard waiver
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 5% cashback on supermarket, fashion and dining spending (17 FAB Rewards per AED 1); monthly cap AED 150 per category
- 3% cashback on non-AED international spending (10 FAB Rewards per AED 1)
- 1% cashback on all other spending (3.5 FAB Rewards per AED 1); select categories earn 0.15%
- Overall cashback cap AED 1,000 per month; minimum spend of AED 3,000 in the previous month required to earn FAB Rewards
- 40% off Talabat orders (up to AED 40 off, four times a month, minimum order AED 100)
- AED 40 off Carrefour online monthly on minimum spend of AED 250
- Four movie tickets a month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas
- Free worldwide airport lounge access: up to 8 visits/year for cardholder plus 6 visits for a companion (spend USD 1 on the card)
- Up to 40% off flights and hotel bookings through MakeMyTrip
- 1 free airport transfer; 10% off Farfetch.com (min USD 300); up to 2 free Costa coffees at Dubai Airport
- Cashback processed as FAB Rewards, redeemable instantly on the FAB Mobile app
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.