FAB · UAE CARD REVIEW

Blue FAB Infinite Credit Card by Al-Futtaim: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 40,000

Annual fee

AED 0

Bank FX charge

2.7405%; scheme fees may apply

Monthly interest rate

3.99%

Reward programme

Al-Futtaim FAB Rewards

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

8% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 4% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

Monthly spend gate: See issuer conditions. Monthly reward cap: AED 4,000. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 588 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

LIMITED-TIME BOOSTAED 5,000 Al-Futtaim rewards — UAE nationals onlyEnds 23 Nov

Conventional banking

FABBANK-SOURCED

Blue FAB Infinite Credit Card by Al-Futtaim

Dirham Score 2.9/5100% data coverage · editorial methodHow this score works

• + Published free-for-life annual fee
• + Published airport lounge benefit
• + Reward limitations disclosed

• − Reward estimate has stated exclusions
• − Bank FX charge 2.7405%; scheme charges may apply

Min. salary: AED 40,000

0.15% groceries 0.15% school feesCinema perksLounge access

Annual fee Free for life

ESTIMATED FIRST-YEAR VALUE

AED 588

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 0

Annual rewards+ AED 588

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 0

Actual modelled netAED 588

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

8% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 4% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder and one guest; network qualifying rules apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.

No annual membership fee; minimum salary 40,000 AED.

Monthly cashback-equivalent cap is AED 4,000.

Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.

Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Official bank source · checked 2026-10-18

Credit card fees (July 2026)

Al-Futtaim FAB Rewards terms (February 2025 v4)

Cinema monthly spend and ticket eligibility

Blue Infinite Emirati welcome campaign

Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Infinite tier. The primary image is the bank's tilted single-card composition with shadow and transparent surrounding space. WebP copy resized without cropping or changing the depicted card. Image source

Promotional sign-up booster

AED 5,000 Al-Futtaim rewards — UAE nationals only

Restricted welcome campaign: AED 12,000 eligible retail in each of three consecutive thirty-day cycles beginning on issuance, not merely AED 36,000 at any time.

Ends 23 Nov · Apply by 2026-11-23 (UAE date, inclusive)

• UAE national with a valid UAE passport.
• Apply during 24 September–23 November 2026.
• New-to-FAB/FAB Islamic or qualifying existing customer who has not previously held an AF FAB BLUE or other FAB / DF credit card.
• Spend AED 12,000 retail in EACH first 30-day cycle from card issuance (AED 36,000 across ninety days).
• Balance transfers, Quick Cash and EPP do not qualify; linked supplementary-card spend is included.
• Non-delinquent and non-blocked at credit date; award within ninety days after the ninety-day spend period.

Qualifying extra bonus in this forecast: AED 0.

UAE nationality and new-card-relationship eligibility are not known for a generic visitor. The restricted rewards are not cash.

Official offer terms

FAB

Blue FAB Infinite Credit Card by Al-Futtaim

Regular welcome offer

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Qualifying welcome value: AED 0.

Promotional sign-up booster

AED 5,000 Al-Futtaim rewards — UAE nationals only

Restricted welcome campaign: AED 12,000 eligible retail in each of three consecutive thirty-day cycles beginning on issuance, not merely AED 36,000 at any time.

Ends 23 Nov · Apply by 2026-11-23 (UAE date, inclusive)

• UAE national with a valid UAE passport.
• Apply during 24 September–23 November 2026.
• New-to-FAB/FAB Islamic or qualifying existing customer who has not previously held an AF FAB BLUE or other FAB / DF credit card.
• Spend AED 12,000 retail in EACH first 30-day cycle from card issuance (AED 36,000 across ninety days).
• Balance transfers, Quick Cash and EPP do not qualify; linked supplementary-card spend is included.
• Non-delinquent and non-blocked at credit date; award within ninety days after the ninety-day spend period.

Qualifying extra bonus in this forecast: AED 0.

UAE nationality and new-card-relationship eligibility are not known for a generic visitor. The restricted rewards are not cash.

Official offer terms

Fees, rewards & eligibility

8% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 4% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder and one guest; network qualifying rules apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.

No annual membership fee; minimum salary 40,000 AED.

Monthly cashback-equivalent cap is AED 4,000.

Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.

Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Official bank source · checked 2026-10-18

Credit card fees (July 2026)

Al-Futtaim FAB Rewards terms (February 2025 v4)

Cinema monthly spend and ticket eligibility

Blue Infinite Emirati welcome campaign

Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Infinite tier. The primary image is the bank's tilted single-card composition with shadow and transparent surrounding space. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Access to over 1,000 lounges for cardholder and one guest; network qualifying rules apply.
• Cinema: 6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold discounts may be charged back.
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.
• No annual membership fee; minimum salary 40,000 AED.
• Monthly cashback-equivalent cap is AED 4,000.
• Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.
• Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.
• Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Official bank sources and application information

• Blue FAB Infinite Credit Card by Al-Futtaim official product terms
• FAB: Credit card fees (July 2026)
• FAB: Al-Futtaim FAB Rewards terms (February 2025 v4)
• FAB: Cinema monthly spend and ticket eligibility
• FAB: Blue Infinite Emirati welcome campaign
• Blue FAB Infinite Credit Card by Al-Futtaim official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.