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If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.


What’s better than cashback, you ask? Unlimited, higher and instant cashback that only the new Dubai First Cashback Card offers you. No minimum spending, no restrictions on where you shop. Just rack up the rewards and redeem them immediately through the Dubai First mobile app.

DF Cards

Save more

Get a whopping 5% cashback on supermarket and online purchases and 1% on all else.*

Plan better

Enjoy 0% interest Easy Purchase Plans, Loan-on-Phone and Balance Transfer at preferential rates

Live well

  • Unlimited complimentary access to select airport lounges
  • Up to 10% additional cashback on 1,500+ ecommerce sites with Shopsmart
  • Access to handpicked experiences and offers in cities around the world.

*Conditions apply.

5% Cashback

on online purchases

5% Cashback

at the supermarket

1% Cashback

on everything else


The Dubai First mobile app lets you stay in control of your credit card.

And life, as well.

Take in your spending at a glance

App store Google play
Mobile App
  • Redeem your cashback instantly

  • Pay your card bills

  • Turn your purchases into instalment plans

  • Enjoy a host of other benefits that are only available through the Dubai First mobile app

more ease

More ease

Enjoy the convenience of converting your purchases of AED 500 and above into instalment plans instantly through the mobile app.

Know more

More flexibility

Interest free credit period of up to 56 days when you pay 100% of your outstanding balance.

More freedom

Avail part of your credit limit as an instant, low-interest loan. You can pay the loan in equal monthly instalments over 3 to 36 months.

More opportunity

Take advantage of lower interest rates when you transfer your outstanding balance from other bank credit cards to your Cashback card. With a choice to repay the amount in 3 to 36 equal monthly instalments your finances will be easier to manage.

As a Dubai First cardmember, you already have access to a range of privileges and benefits, carefully tailored to suit your needs and lifestyle.

Now you have over 1,000 convenient offsite locations to make your Dubai First monthly credit card bill payments. You will receive a receipt as confirmation and your payment will be credited to your card account within 2 working days.


Pay instantly your card balance directly from the mobile app using a debit card issued by any UAE bank. Your balance will be updated instantly.


From UAE Bank account

Pay your Dubai First card bill online from any UAE Bank Account through UAEFTS system. Simply follow these steps: Login to your UAE personal bank account online banking ⇒ Select local UAE Funds transfer ⇒ Enter your Dubai First card number instead of IBAN as a beneficiary and the payment amount ⇒ Proceed with the payment.

Payment will be reflected in your account within 1 working day.

Bank transfer using SWIFT

You can make a payment to your Dubai First card using SWIFT. Please note the following details:
Beneficiary Account - 16-digit credit card number Beneficiary Name - Cardholder name Payment Amount - Amount in Dirhams you are paying SWIFT Code - NBADAEAA


First Abu Dhabi Bank Cash Deposit Machines (FAB CDMs)

Effective 6th December 2019, you can pay your Dubai First Credit Card bills by cash at over 130 FAB CDMs across the UAE.

This 24/7 service is quick and reliable. It takes few easy steps:
Choose Deposits ⇒ Payments ⇒ Credit Card Payments ⇒ Enter card number manually or insert your card ⇒ Insert your payment amount in cash ⇒ Collect the receipt

Payments through the CDMs are real-time transactions, which means your available limit is updated instantly.

Partner Exchange Houses

Pay your Credit Card bill in cash at any branch of the exchange houses listed below.

  • Al Ansari Exchange
  • Al Fardan Exchange
  • Al Ghurair Exchange
  • Redha Al Ansari Exchange

Your payment will be reflected in your credit card account within 2 working days.


Service Desk

Cheque payments can be made at the service desk, Sat to Thurs from 8am to 5pm, located at First Abu Dhabi Bank, Mirdif Branch (opp. UPTOWN Mirdiff), Dubai.

By Mail

You can mail your cheque to Dubai First, PO Box 111656, Dubai, UAE. The cheque should be drawn in favour of “Dubai First” with the card number mentioned on the reverse.

*It takes 7 working days to process the payment after we receive the cheque.


Discontinued options effective 1st December 2019:

  • Payments through Emirates NBD channels including CDMs, BankNet, Mobile app and bank fund transfer
  • Webpay - online payment service
  • SWIFT transfer to Dubai First accounts with EmiratesNBD and Emirates Islamic
  • Standing instructions set prior to December 2019

What is the cashback program?

The cashback program is type of reward points based on a percentage of purchases made with your credit card. Your Cashback Card offers cash back at a value of

5% on online purchases

This includes travel bookings, school fees, fashion, electronics and other services and products you buy online.*

5% on supermarket spending

This includes store and online purchases at supermarkets and groceries.

1% on all other shopping

In the UAE and abroad

How do I earn cashback?

You can earn cashback rewards by using your credit card to make purchases. You can view your earned rate and amount of cashback on the Dubai First mobile app.

How can I redeem my cashback rewards?

Cashback redemption happens instantly through the mobile app upon your request in a few taps. The redeemed cashback amount is credited to your credit card and your balance is adjusted immediately.

*Some online transactions will earn 1% cashback. For details, view the Terms and Conditions.

After you've applied and been approved for the Cashback Card, your new card should be delivered by courier within 3-5 business days. Your credit card will arrive in a sealed envelope with instructions for activating the card.

We offer various activation methods to choose from, such as through the mobile app, via SMS or over the phone.

How do I activate a credit card?

1. Activate through the mobile app
The sealed envelope in which the card is delivered has instructions on how to activate the card. Scan the QR code, download the Dubai First mobile app and follow the onscreen directions to activate your card and set your PIN.


2. Call the number on the reverse of the card
Call our 24/7 contact centre on 04-5068888 for assistance to activate your card and set your PIN.

3. Activate via SMS
Send an SMS to 4743 CACT {space} last 4 digits of your card number {space} 4 digit PIN of your choice. Example: if your card ends with 1234 and your chosen PIN is 1357, text CACT 1234 1357.

How long after activating a credit card can I use it?

You can begin using your Cashback Card immediately after verifying receipt or activating the card.

What are account alerts?

Account alerts are notifications about your credit card account – your purchases, due payments, monthly statements or status of your service requests. These alerts, in the form of push notifications, SMS or emails, are received immediately after a transaction or activity on your account. Account alerts differ from emails that we send about our products and services, service messages and special offers.

Do alerts cost me anything?

No, alerts from FAB are free of charge, but message and data rates may apply depending on your telecom provider.

Service at your fingertips

Enjoy the ease and convenience of our SMS Pull services. You can now request services and facilities at the touch of a button. All you need to do is send us a short code through SMS to 4743.

Service Request Short Code
Activate your Card and set PIN CACT followed by the last 4 digits of your card number followed by 4-digit PIN of your choice
Credit Card Balance Information CBAL followed by the last 4-digit of your card number
Request for Loan on Phone LOP
Request for Balance Transfer BT
Request for Easy Purchase Plan EPP
Dial-a-cheque for rent or school fee CHQ
Credit limit increase CLI
Request for card upgrade UPG
Apply for supplementary card ADD
Apply for Cashback Card CASH



Introducing the Dubai First Cashback Card and App

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Book your Easy Purchase Plans instantly

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The UAE's Best Cashback Card

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Higher, Unlimited, Instant Cashback

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Customer Care is here to help

To inquire about products and services found at Dubai First website, contact us by phone or e-mail, and we'll gladly assist you.

Dubai First Service Desk

First Abu Dhabi Bank,
Mirdif Branch (opp. Uptown Mirdiff)
P.O. Box 111656
Working hours: Sat-Thu, 8:00am-5:00pm

Talk to us

For inquiries 800 33
Existing customers within the UAE 04-506 8888 or international collect call +971 4 352 8228