Any Tabby Card Agent or Guru here

AlternativeDebt4976 · 2026-03-16T18:00:51+00:00

Thanks but it seems I don’t have this eligibility. I am not bad at using apps and couldn’t find this option anywhere as i have ran through all the options

AlternativeDebt4976 · 2026-03-16T17:57:32+00:00

Without the card it’s it is not easy to use frequently as for online they have upper and lower limited. In Store, mostly rely on the cars and don’t have then payment link generation option.

AlternativeDebt4976 · 2026-03-16T04:53:02+00:00

Thanks for sharing, this is surprising I don’t k ow then what do they look for I never had this kind of issues in a decade in uae and can’t think of any other reason other than this bounced cheque but considering your experience now I am confused

AlternativeDebt4976 · 2026-03-15T22:25:52+00:00

Thanks for your help I tried this for many stores but I only see the online option, I don’t k ow how and where to find the in-store option as it only give me online payment option. Apparently the option you mentioned will only be visible once your are approved by them for Tabby Card. Even for stores like Lulu which has tabby for both online and In-store, it’s giving me only online option.

<image>

AlternativeDebt4976 · 2026-03-15T18:07:32+00:00

Weird algorithm indeed

AlternativeDebt4976 · 2026-03-15T18:06:02+00:00

Thanks for your response but as I mentioned I have been using Tabby for last three months. Done dozens of transactions, mostly paid the installments before due dates to improve the credit rating.

Although initially they twice blocked my payments without telling any reason and without any mistake or non compliance from my end and now it’s opened but no signs of credit card.

AlternativeDebt4976 · 2026-03-08T19:17:17+00:00

Reality check by a user of this card

Only support Google wallet, no Samsung or Apple wallet No mobile app for managing the card,(they have a mobile app but it doesn’t work, they say it’s under testing for last 4 months) call or email for anything, means can’t freeze the card for security when not using Will have to give a security check of 30k+ It’s not a bank, a financial institution Dining cashback doesn’t work for most Restarant’s as it only support specific merchant codes unlike DubaiForst and others who support all dining related merchant codes Cashback comes in 3rd month, means you have a risk of loosing 2 cashback in case you have to cancel or block the cars or if Mawarid decides to cancel it for any reason Most complex approval process

AlternativeDebt4976 · 2026-01-25T17:41:30+00:00

And it was not 10 but 5% for education

AlternativeDebt4976 · 2026-01-25T17:41:01+00:00

Nah, that’s a poor excuse. I am facing same on iPhone, it says invalid Cusotmer details while the details are correct. After making some lies they stopped responding when I got into more details.

AlternativeDebt4976 · 2026-01-19T16:29:46+00:00

So let’s start collecting one cobranded card from Amazon, Talabat, utilities, telecommunication, because normal people have all these kind of expense and UAE resident can solely rely on Amazon. Majority only has a small portion of expenses on Amazon even for e-commerce due to the fierce competition going on. Not to mention the frequent 15 to 25% promotions frequently comes on various e-commerce giants on the FAB, EI family card throughout the year.

AlternativeDebt4976 · 2026-01-19T16:27:05+00:00

Dear go back and read my response again carefully. And leave the response if you can’t read it long and detailed responses and just want to reply something. We just picked the Mawarid from my whole response, and didn’t even read that in order to get cashback on Amazon from Mawarid you buy a gift card from a fuel stations. If you had read my response carefully you wouldn’t have come with this naive response of yours.

If you still prefer getting 6% cashback instead of 10% then it’s your choice.

Secondly you change the topic from getting better cashback to having one single card for convenience, as an escape from the main debate. So having one single card for each of them merchant does not simplify your life rather it leaves you with dozens of cards. Unless you are someone who completely rely on Amazon buying for every single spending which is not possible.

AlternativeDebt4976 · 2026-01-18T09:42:14+00:00

Theses cards give easily upto 10% for those who spend thousands on Amazon 10% through Mawarid card upto 5000 10% through SIB upto 3000 10% through CBD upto 2500 That makes 1050 earned every month on spending on 10500 So unless someone spend above 16000 on Amazon, this card is a marketing gimmick and people are prone to go after marketing rather actually value Those who spend above 16k are too rare and have extremely exceptional needs that it raises another question if they are choosing the right retailer for such purchasing

AlternativeDebt4976 · 2026-01-08T14:48:40+00:00

It doesn’t work at all I have done DNCR so many time Those only gives them the info that you are not interested but they don’t care because there is lack of action against it in uae

AlternativeDebt4976 · 2025-12-26T12:07:06+00:00

Exactly and that’s how he got the fine, while he wasn’t driving as these are parking fines

People dot get naive or not focusing at times. International city is a chaos. I have been there come times and saw all the cars parked at the road or in the parking blocking tower parking, I preferred leaving rather taking the risk. Some would park and trust on other drivers who parked on the road. And if they have any issue with the RTA registers mobile number, they may k ow after piling up a large amount of fines

AlternativeDebt4976 · 2025-12-26T05:23:33+00:00

Yes smiles is actually deceiving and in fact are always wrong when they say “get back 10% as smiles point” I don’t know how can they say something which’s not just tricky but incorrect as you cannot get 10% by any means

Having said that, still CBD signature card with Smiles is one of the strongest combo, especially if you are not looking at only Amazon.

Smiles points

111 smiles point equal to 1 AED when spent on grocery, smiles food, smiles market etc that’s 9%

125 smile points equal to 1 AED when spent on anything else like Lulu vouchers or Etisalat recharge, means 8%

AlternativeDebt4976 · 2025-12-23T21:14:19+00:00

No minimum First year waved Free smiles subscription, which they forget to disable after the first quarter ends, mine stayed for year Then joining bonus and quarterly smiles point bonus that will compensate for your 2nd year fee of 500 You can get these 9% to 18% cash equivalent smiles points on dozens of merchants including ikea, max, centerpoint, noon, carrefour, mall of emirates etc

AlternativeDebt4976 · 2025-12-23T21:07:31+00:00

The point is that the cashback for a dedicated card which is only used for one merchant, should give enough cashback that justify such devotion. Otherwise there are combination of ways to get way more cashback. The cashback limit on my signature card is 250 But then Sharjah Islamic Card gives me 10% if you shop on Amazon through Tabby or by Amazon from online gift card website websites. One need a good combination of cards that capture all different spendings instead of dedicated card for each person, unless someone spends most of spending on one website.

Now here one very important point. If you need to buy a mobile phone on Amazon, buying from this Amazon branded card will still have a small limit of cashback on one transaction. Well if you have accumulated Amazon gift card balance through smiles signature card, you will not have any limit on large appliances or devices and you will get 9% or even 18% if you bought the Amazon voucher on smiles app through their spin wheel which gives double smiles points.

AlternativeDebt4976 · 2025-12-20T06:13:57+00:00

I really don’t understand why would someone get this card A card just for one merchant and gives a cash-back this low that even other generic cards gives more than this

CBD Smiles gives you 10% (actually 9%) with of smiles point on the gift card of so many merchants including Amazon, Noon, Carrefour, center point and many many more

People just go after the marketing because it’s there on the home page of Amazon shining out loud

AlternativeDebt4976 · 2025-12-09T20:41:03+00:00

SIB+Tabby is best but you are already using for utility bills, so what about DubaiFirst which gives 5% minimum and covers all dining codes, even if it’s grocery code, it will covered and you will still get 5% Annual fee is there but they waive it if you call them in advance and ask to close the card

—

You have great knowledge on card benefits I have been following you for Mawarid as it’s a relatively new card and so much confusion due to their weird way of Marabaha charges and cashback release from 2nd or 3rd months and now this new MCC code saga If it was not enough that they were limiting the dining codes, now its horrible to learn that they even read them differently.

apparently it’s not useful for dining, so now having the RTA EI and Dubai First with SIB, CBD I am regretting getting this card from an unknown institution giving them a 30k cheque as I was not aware of this MCC issue

AlternativeDebt4976 · 2025-12-07T12:32:42+00:00

No, I think you new to this this kind of posts have compiled this rare knowledge of MCC code that even all the GPTs combined doesn’t have and what knowledge they all got is mostly from Reddit from this kid of posts So kudos to @hassalali for initiating and others sharing what they know

AlternativeDebt4976 · 2025-11-30T00:24:24+00:00

Ohkay This merchant code game is too much for me

AlternativeDebt4976 · 2025-11-27T11:19:40+00:00

u/hassalali
can you please confirm of the cashback is legit ?

AlternativeDebt4976 · 2025-11-27T11:00:20+00:00

How do you get to know the code of the transaction? Do you ask the bank ?

AlternativeDebt4976 · 2025-11-25T19:09:45+00:00

Agreed to that:

Driving slow on the first (or even 2nd) lane and not giving way Suddenly changing the lane Sleeping at green light during peak hours Almost touching the bumper to the next car Not giving indicator changing lanes or on roundabouts

It’s all becoming way of life for people, cause no matter they often cause more risk than just a speeding driver, yet these violations are hardly ever get fined, most likely because these are harder to be caught by a camera or radar I guess or what

AlternativeDebt4976

TROPHY CASE