Tabby
Tabby Card (Plus plan)
The Tabby Card (Plus plan) is a cashback credit card from Tabby. It has an annual fee of AED 588.
Annual fee
AED 588
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Minimum salary: Tabby publishes no minimum salary for this card; AED 5,000 is the UAE's minimum for any credit card.
Card highlights
- 5% cashback in 3 chosen categories (Dining, Taxis, Pharmacies, Beauty, Petrol), up to AED 200 a month
- Pay in 4 interest-free anywhere Visa is accepted, up to AED 5,000 a month
- Up to 40 days to repay in full with no fees; no down payment required
- Virtual Visa card via Tabby app: instant approval, freeze/re-issue, Apple Pay, Google Pay and Samsung Pay
Earn rates
| Category | Rate |
|---|---|
| Dining & food | 5% |
| Fuel | 5% |
| Transport | 5% |
Rewards on this card are capped at AED 200 a month across all categories (about AED 2,400 a year).
Current welcome offer
1 month free for new Tabby+ subscribers
- After the free month, the plan costs AED 49 a month
- Cancel in the Tabby app before the free month ends to avoid being charged
Benefits & perks
- •Pay in 4 interest-free instalments anywhere Visa is accepted: up to AED 5,000/month
- •5% cashback in 3 chosen categories (dining, taxis, pharmacies, beauty, petrol): up to AED 200/month
- •Up to 40 days to repay in full with no fees
- •Priority 24/7 customer support
- •Instant card freeze and re-issue via the Tabby app
- •Apple Pay, Samsung Pay and Google Pay support
- •Visa Click to Pay
About this card
- •Annual fee: AED 588/yr
- •5% cashback on 3 chosen categories (e.g. dining, transport, fuel)
- •Monthly cashback capped at AED 200 (AED 2,400/yr max)
- •Max net annual value after fee: AED 1,812
- •Cashback cap is reached at AED 4,000/month of spend across chosen categories
- •Breakeven point: about AED 980/month of in-category spend
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Tabby Card (Plus plan) earn?
A virtual Visa credit card from Tabby, issued by Emirates NBD, used through Apple Pay, Google Pay or Samsung Pay, with a limit of up to AED 15,000 and up to 40 days to repay without fees; the Free plan earns no cashback, while the Plus plan at AED 49 a month pays 5% on 3 categories you choose, up to AED 200 a month in total.
What does the Tabby Card (Plus plan) cost?
Free plan: no card fee, no annual fee and no monthly fee. Plus plan (Tabby+): AED 49 a month, which Perkly counts as AED 588 a year; Tabby states no VAT on it, and Perkly treats AED 49 as the full price. The subscription can be cancelled at any time. Splitting a purchase outside the Tabby Card Network over up to 12 instalments can cost up to 22% of the purchase value, rolling over part of a statement costs up to 12% of the amount rolled over, and total fees on a transaction never exceed 30% of its value. In Tabby's own worked example, rolling over part of a statement costs an APR of 54% in the first month it is rolled over. Tabby's Key Facts Statement also lists a collection charge of up to AED 60, AED 100 or AED 200 on a missed payment, depending on the overdue amount, and a fee of up to 1% when you repay from a linked credit card.
What does spending abroad cost on the Tabby Card (Plus plan)?
The card cannot be used in shops outside the UAE, and online purchases from international merchants go through in AED only. Tabby publishes no foreign transaction fee; Perkly records a 1.15% Visa scheme charge as a default estimate, not a Tabby figure.
What should I watch out for with the Tabby Card (Plus plan)?
The Free plan earns no cashback at all; cashback needs the AED 49 a month Plus plan. Plus cashback is at most AED 200 a month, so the plan pays for itself only with about AED 980 a month of spending in your 3 categories. It is a virtual card only: no physical card, no cash withdrawals, and no in-store use outside the UAE.