MoneyVS

ADCB 365 Cashback vs FAB Cashback

Two cashback cards compared on the things that decide which one pays you back.

ADCB 365 Cashback Credit Card
ADCB365 Cashback Credit Card
First Abu Dhabi Bank FAB Cashback Credit Card
First Abu Dhabi BankFAB Cashback Credit Card

Key differences

  • FAB Cashback is cheaper to keep: AED 315 a year against AED 383.25 from yr 2.
  • ADCB 365 Cashback headline: 6% on dining, including online orders. FAB Cashback headline: 5% on fashion, dining and groceries.
  • Welcome bonus spend: ADCB 365 Cashback: AED 5k in 45 days; FAB Cashback: no bonus listed.
  • Minimum monthly spend for top rates: ADCB 365 Cashback: AED 5,000; FAB Cashback: AED 3,000.

Which should you choose?

Choose ADCB 365 Cashback if

People who spend AED 5,000+ a month and eat out or drive a lot.

Watch out: The headline rates need AED 5,000 monthly spend; the fee applies from year two.

Choose FAB Cashback if

People earning AED 5,000+ who spend AED 3,000+ a month on everyday categories.

Watch out: Below AED 3,000 a month the headline rates don't apply; cashback is capped at AED 1,000 a month.

Side by side

ADCB 365 CashbackFAB Cashback
BankADCBFirst Abu Dhabi Bank
Annual feeAED 383.25 from yr 2First year free, then AED 383.25 incl. VATAED 315AED 300 + VAT
Fee waiverNoneNone
Minimum salaryAED 5,000AED 5,000
Who can applyAnyone who meets the salaryAnyone who meets the salary
Welcome bonus
  • AED 365 cashbackSpend AED 5,000 within 45 days
None listed
Top rates needAED 5,000 a monthAED 3,000 a month
Reward capMax AED 1,000 cashback a monthMax AED 1,000 cashback a month
What you earn
  • 6% on dining, including online orders
  • 5% on fuel and Salik
  • 5% on streaming and AI subscriptions
  • 3% on groceries
  • 1% on other spend
  • 5% on fashion, dining and groceries
  • 3% on international spend
  • 1% on everything else
BenefitsCinema offersAirport lounges
IslamicNoNo
View on ADCB siteView on FAB site

Both cards checked against the banks' own pages on 21 Oct 2026. Information only, not financial advice.

Questions people ask

What's the difference between ADCB 365 Cashback and FAB Cashback?

FAB Cashback is cheaper to keep: AED 315 a year against AED 383.25 from yr 2. ADCB 365 Cashback headline: 6% on dining, including online orders. FAB Cashback headline: 5% on fashion, dining and groceries. Welcome bonus spend: ADCB 365 Cashback: AED 5k in 45 days; FAB Cashback: no bonus listed. Minimum monthly spend for top rates: ADCB 365 Cashback: AED 5,000; FAB Cashback: AED 3,000.

Which has the lower annual fee, ADCB 365 Cashback or FAB Cashback?

FAB Cashback (AED 315). ADCB 365 Cashback costs AED 383.25 from yr 2.