FAB Elite cashback rate, cap and annual fee
FAB Elite pays 6% at luxury, and 8 other rates. The card costs AED 1,260 a year.
First Abu Dhabi Bank · United Arab Emirates · catalogue v101
Read from First Abu Dhabi Bank's own published terms on 19 Sep 2026.
AED 1,260Annual fee
AED 500,000Cap across the whole card
6%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| luxurysupermarkets | 6.00% | —Luxury spending, which the bank names as its own merchant set rather than a category: 20 FAB Rewards a dirham, about 6%. Tagged, so ordinary departmen |
| everything else | 1.50% | —Everything else at home and abroad: 5 FAB Rewards a dirham, about 1.5%. |
| groceries | 0.15% | —Supermarkets, on the bank's low-interchange list: 0.5 FAB Rewards a dirham, about 0.15%. |
| fuel | 0.15% | —Petroleum, also low-interchange. |
| government | 0.15% | —Government transactions, bill payments, utilities, charities and transit, also low-interchange. |
| education | 0.15% | —School fees, also low-interchange. |
| rent and property | 0.15% | —Rent and real estate, also low-interchange. |
| phone and internet | 0.15% | —Telecoms, also low-interchange. |
| supermarkets | 0.15% | —Department stores, also low-interchange. |
The bank also pays 10 FAB Rewards a dirham on what it calls eco-friendly purchases, which is about 3%. That is a merchant list rather than a category this app can file, so it is recorded here and not scored. Fast food sits in the same low-interchange bucket as the rates above; ordinary restaurants earn the card's general rate, and this app files dining at the general rate for that reason. FAB publishes its own points-to-money rate inside that document twice over: the FAB Travel card's monthly ceiling is printed as a number of Rewards equivalent to AED 1,800, and its cashback tables state the same equivalence row by row — 3.5 Rewards a dirham is 1%, 17 is 5%, 41 is 12%. Both give a FAB Reward a value of three tenths of a fil, which is what this library records. Source: First Abu Dhabi Bank, FAB Rewards Terms and Conditions, April 2025, version 4, read 19 Sep 2026.
Questions people ask
What cashback does the FAB Elite pay?
6% at luxury, and 8 other rates.
Is there a cap on the FAB Elite?
Yes — AED 500,000 a month across the whole card, however you split your spending.
What is the annual fee on the FAB Elite?
AED 1,260 a year.
Knowing the rate is not the same as remembering it
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