FAB Cashback Card vs Citi Cash Back Credit Card
Two mid-fee cashback cards at the same price, with different shapes.
Verified 17 Sept 2026Our 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
| FAB Cashback Card | Citi Cash Back Credit Card | |
|---|---|---|
| Annual fee (year 2+) Annual fee year 2+ | AED 315 (incl. VAT) | AED 315 |
| 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 | — | AED 300 joining-bonus statement credit on AED 6,000 of spend within 60 days (new Citi credit-card customers applying directly via Citi). |
| Lounge access Lounge access | None | Mastercard Travel Pass — 8 visits/yr ↗ |
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