Skip to content
DubaiPoints
Cards / Compare

FAB Cashback Card vs Citi Cash Back Credit Card

Two mid-fee cashback cards at the same price, with different shapes.

Verified 1 Nov 2026

Our verdict

FAB pays more on dining and shopping and Citi pays more on international spend, so the answer follows your largest category rather than the headline rate. FAB also gates earning behind a minimum previous-month spend, which Citi does not.

Citi's fee waiver is threshold-based and reachable at a moderate annual spend; FAB's card has no waiver. Over a year that term is worth more than the rate difference for most holders.

Side by side
Annual fee (year 2+) Annual fee year 2+ AED 315 (incl. VAT) AED 315 (incl. VAT)
Minimum salary Min salary AED 5,000/mo ↗ AED 8,000/mo
Top earn rate Top earn rate Dining 5% ↗ International 3%
Welcome bonus Welcome bonus — Citi’s product page advertises an AED 300 joining-bonus statement credit for eligible direct applicants on AED 6,000 of qualifying spend within 60 days. Check the terms shown for your application route.
Lounge access Lounge access None Mastercard Travel Pass — 8 visits/yr ↗

Year one vs ongoing value

Adjust spend AED 7,800/month

Compare spend rewards minus card fees on eligible everyday UAE purchases.

Uses each card’s general rate, not boosted or reduced-rate categories, and assumes you pay the balance in full. Welcome offers, perks, paid add-ons, rebates and foreign-currency charges aren’t included. Issuer exclusions and credit limits still apply. Targeted or promotional fee waivers are not modelled unless stated on the estimate.

Model groceries, dining and other categories in the spend-return calculator →

FAB Cashback Card

Estimated spend value

First year
Not estimated
Each year after
Not estimated

No confirmed AED basis for these rewards.

What’s included for FAB Cashback Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 315
Standard renewal fee
AED 315
Monthly qualifying spend
AED 3,000

Waiver terms: First-year fee waiver was paired with the May 2026 Amazon Gift Card welcome cycle (closed 31 May 2026); the next FAB Cashback cycle has not been published. Verify current year-one fee status at the FAB product page before applying.

Check issuer terms ↗

Citi Cash Back Credit Card

Estimated spend value

First year
AED 936 If listed annual-fee waiver applies
Each year after
AED 621 Before any renewal waiver
What’s included for Citi Cash Back Credit Card
Annual spend rewards
AED 936
First-year fee modelled
AED 0
Standard renewal fee
AED 315

Waiver terms: Year-one waived, AED 9,000 annual spend ongoing (No annual fee in year one. From year two AED 300 (+ 5% VAT), waived if annual spend reaches AED 9,000.)

The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.

Check issuer terms ↗

The full reviews

Other matchups