Every time you swipe your debit card or pay with cash, you’re essentially leaving money on the table. In today’s economy, where every dollar counts and inflation continues to squeeze household budgets, cashback credit cards have emerged as one of the simplest yet most powerful tools for putting money back in your pocket. These aren’t just marketing gimmicks—they’re legitimate financial instruments that can transform your routine purchases into meaningful rewards, helping you recoup hundreds or even thousands of dollars annually on expenses you’re already making.
When I first discovered cashback cards five years ago, I was skeptical. Like many people, I viewed credit cards as financial traps rather than opportunities. But after carefully researching and responsibly using a 2% cashback card for my regular expenses—groceries, gas, and utilities—I was amazed to find an extra $800 in my account at the end of my first year. That “found money” covered a weekend vacation I wouldn’t have otherwise afforded, and it came from purchases I was making regardless. The key was treating the card like a debit card, paying off the balance immediately, and letting the rewards accumulate naturally.
This post will break down exactly how to make cashback cards work in your favor. You’ll learn the difference between flat-rate and category cards, how to avoid hidden fees, and the sneaky traps most people fall into. I’ll also share quick hacks to boost your earnings without changing your lifestyle. Whether you’re just starting out or looking to optimize your setup, there’s something here for you.
FAB Cashback Cards Categories
Why not get a slice of your spending money back? That’s exactly what the FAB Cashback Credit Card offers, and it’s a smart move.It’s ideal for anyone who wants rewards without jumping through hoops. You pay your bills, fill up your tank, and shop online—and boom! Cash back lands in your pocket. It’s like your expenses are paying you back. In a city where every dirham counts, that’s a win.
Benefits of the FAB Cashback Credit Card
Minimum Monthly Salary Annual Fee
AED 5,000 AED 300
| What You Spend On | Cashback You Get | FAB Rewards Earned |
|---|---|---|
| Supermarket spending (including online) and Fashion | 5% | 17 FAB Rewards / AED 1 Spend |
| Dining | 5% | 17 FAB Rewards / AED 1 Spend |
| All other spending (excluding select categories) | 1% | 3.5 FAB Rewards / AED 1 Spend |
| Select categories | 0.15% | 0.5 FAB Rewards / AED 1 Spend |
| Non-AED spending | 3% | 10 FAB Rewards / AED 1 Spend |
Unlock smart savings with the du Credit Card, a standout offering from First Abu Dhabi Bank (FAB) tailored for du customers. Enjoy 15% cashback on du bill payments, attractive 0% interest installment plans on du devices and plans, and rewards on everyday spending—empowering you to turn your du usage into rewarding benefits.
Benefits of the FAB Du Credit Card
Minimum Monthly Salary Annual Fee
AED 5,000 No Annual Fees
Designed for individuals who want flexibility, value, and rewarding experiences in one card, the FAB Blue Credit Card from First Abu Dhabi Bank offers all that and more. With its competitive benefits, easy access to exclusive offers, and attractive rewards on everyday spending, the card makes it simple to maximize your lifestyle while managing your finances smartly. Whether you’re shopping, dining, or traveling, this card provides a seamless blend of convenience, savings, and perks tailored to your needs.
Benefits of the FAB Blue Credit Card
Which Blue card is right for you?
1- BLUE FAB Platinum Credit Card by Al-Futtaim
Minimum Monthly Salary Annual Fee
AED 8,000 No Annual Fees
2- BLUE FAB Signature Credit Card by Al-Futtaim
Minimum Monthly Salary Annual Fee
AED 15,000 No Annual Fees
3- BLUE FAB Infinite Credit Card by Al-Futtaim
Minimum Monthly Salary Annual Fee
AED 40,000 No Annual Fees
| Category of Spending | FAB SHARE Standard Credit Card | FAB SHARE Platinum Credit Card | FAB SHARE Signature Credit Card |
|---|---|---|---|
| Carrefour (in-store or online) | 6.75% | 6.75% | 6.75% |
| Spending at Mall of the Emirates and City Centres across the UAE | Up to 3% | Up to 4% | Up to 6% |
| Spending at VOX Cinemas, Ski Dubai, Dreamscape, iFLY Dubai, Magic Planet and Little Explorers | 5% | 6% | 8% |
| Other retail, online and international spending | 1.5% | 2% | 2.5% |
| Spending at selected merchants (including utility and fuel providers and other supermarkets) | 0.5% | 0.5% | 0.5% |
| Additional earnings when you transfer your salary to a FAB account (on selected categories) | 0.25% | 0.25% | 0.25% |
The FAB SHARE Card by First Abu Dhabi Bank is more than just a credit card — it’s your ticket to unmatched lifestyle benefits, exclusive rewards, and convenient payments. Designed for savvy shoppers and frequent spenders, the card lets you earn SHARE points on every purchase. You can redeem these points for shopping, dining, and entertainment at some of the UAE’s most popular brands. With flexible repayment options, contactless payment technology, and partner discounts, the card offers everyday value and luxury perks.
Benefits of the FAB Share Card
Which Share card is right for you?
1- FAB SHARE Standard Credit Card
Minimum Monthly Salary Annual Fee
AED 5,000 No Annual Fees
2- FAB SHARE Platinum Credit Card
Minimum Monthly Salary Annual Fee
AED 10,000 AED 1,000
3- FAB SHARE Signature Credit Card
Minimum Monthly Salary Annual Fee
AED 30,000 AED 1,500
| Spending Category | FAB SHARE Standard Credit Card | FAB SHARE Platinum Credit Card | FAB SHARE Signature Credit Card |
|---|---|---|---|
| Carrefour (in-store or online) | 6.75% | 6.75% | 6.75% |
| Mall of the Emirates & City Centres across the UAE | Up to 3% | Up to 4% | Up to 6% |
| VOX Cinemas, Ski Dubai, Dreamscape, iFLY Dubai, Magic Planet, Little Explorers | 5% | 6% | 8% |
| Other retail, online & international spending | 1.5% | 2% | 2.5% |
| Selected merchants (utilities, fuel, other supermarkets) | 0.5% | 0.5% | 0.5% |
| Additional earnings (when salary transferred to a FAB account) | 0.25% | 0.25% | 0.25% |