FAB Cashback cashback rate, cap and annual fee
FAB Cashback pays 5% on groceries — on the first AED 3,000 you spend on it each month, which is where the AED 150 cap stops it. Nothing at all below AED 3,000 of spending a month — AED 36,000 across a year. The card costs AED 300 a year.
First Abu Dhabi Bank · United Arab Emirates · catalogue v101
Read from First Abu Dhabi Bank's own published terms on 17 Aug 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries | 5.00% | AED 150reached at AED 3,000 of spendSupermarkets. AED 150 monthly cap on this category, inside an overall AED 1,000 ceiling. |
| dining | 5.00% | AED 150reached at AED 3,000 of spendRestaurants. Separate AED 150 monthly cap. |
| supermarkets | 5.00% | AED 150reached at AED 3,000 of spendFashion and department stores. Separate AED 150 monthly cap. |
| travel | 3.00% | —International and non-AED spend. Uncapped. |
| everything else | 1.00% | —All other spend. Uncapped. |
| government | 0.15% | —Select categories, including government and utility-type spend. |
Questions people ask
What cashback does the FAB Cashback pay?
5% on groceries, and 5 other rates. The top rate is capped at AED 150 a month.
Is there a cap on the FAB Cashback?
Yes. groceries is capped at AED 150 a month; dining is capped at AED 150 a month; supermarkets is capped at AED 150 a month.
What is the annual fee on the FAB Cashback?
AED 300 a year.
Is there a minimum spend on the FAB Cashback?
Yes — AED 3,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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