Blue FAB Signature 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.
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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 15,000
- 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
6% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 3% 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 3,000. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 0.15 % cashback | Shared/general conditions | 0 |
| School Fees | 0.15 % cashback | Shared/general conditions | 0 |
| Utilities | 0.15 % cashback | Shared/general conditions | 0 |
| Fuel | 0.15 % cashback | Shared/general conditions | 0 |
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.
Blue FAB Signature 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
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 assumptionsRewards, fees & important conditions
6% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 3% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.
4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder; network qualifying rules apply.
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
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 15,000 AED.
Monthly cashback-equivalent cap is AED 3,000.
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 2026-10-18Al-Futtaim FAB Rewards terms (February 2025 v4)
Cinema monthly spend and ticket eligibility
Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Signature tier. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. 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; network qualifying rules apply.
- Cinema: 4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 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 15,000 AED.
- Monthly cashback-equivalent cap is AED 3,000.
- 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 Signature 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
- Blue FAB Signature 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.