FAB Rewards Indulge cashback rate, cap and annual fee
FAB Rewards Indulge pays 1.5% on online and delivery, and 8 other rates.
First Abu Dhabi Bank · United Arab Emirates · catalogue v101
Read from First Abu Dhabi Bank's own published terms on 19 Sep 2026.
NoneAnnual fee
AED 50,000Cap across the whole card
1.5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| online and delivery | 1.50% | —E-commerce: 5 FAB Rewards a dirham, about 1.5% at the published value. |
| everything else | 0.30% | —Everything else at home and abroad: 1 FAB Reward a dirham, about 0.3%. |
| 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. |
Free for life, and the case for it is online shopping: five times the everyday rate there and an ordinary rate everywhere else. 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 Rewards Indulge pay?
1.5% on online and delivery, and 8 other rates.
Is there a cap on the FAB Rewards Indulge?
Yes — AED 50,000 a month across the whole card, however you split your spending.
What is the annual fee on the FAB Rewards Indulge?
No annual fee.
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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