Blue FAB Islamic
Blue FAB Islamic is a UAE Islamic covered card with Al-Futtaim FAB Rewards rewards. Its published minimum monthly salary is AED 15,000. The listed annual fee is AED 315 before the conditional first-year waiver. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.2/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 2.61%; scheme charges may apply
Explore all FAB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 15,000
- Annual fee
- AED 315
- Bank FX charge
- 2.61%; scheme fees may apply
- Monthly profit rate
- up to 3.99%
- Reward programme
- Al-Futtaim FAB Rewards
- Salary transfer required
- No published requirement
First year free; renewal AED 315 including VAT, waived after AED 36,000 annual eligible spending.
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Al-Futtaim retail brands | 10% back as Al-Futtaim FAB Rewards | Confirm product-specific caps with the bank | Eligible brand purchases only. |
| Other Al-Futtaim brands | Up to 4% back as Al-Futtaim FAB Rewards | Confirm product-specific caps with the bank | Merchant- and brand-specific terms; includes eligible auto, property and school brands. |
| Other eligible domestic/international retail | Up to 1.5% back as Al-Futtaim FAB Rewards | Confirm product-specific caps with the bank | Lower categories and international restrictions apply. |
| Specified categories | 0.15% back | Confirm product-specific caps with the bank | Supermarkets, fuel, education, government, fast food and transportation. |
Why this card has no annual AED forecast
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Published earning rates, known fees and bank conditions remain available in this review.
Check FAB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Blue FAB Islamic Credit Card
Blue FAB Islamic Credit Card
Dirham Score 3.2/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 2.61%; scheme charges may apply
First year free; renewal AED 315 including VAT, waived after AED 36,000 annual eligible spending.
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
View breakdown
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Calculation assumptionsRewards, fees & important conditions
Read the full Blue FAB Islamic Credit Card review and fee maths
No cinema benefit verified. · 12 visits annually at 1,300+ lounges after one international transaction; register with Visa Airport Companion and confirm timing/guest eligibility.
Monthly profit rate: up to 3.99%. Bank FX charge: 2.61%.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Overall monthly cap:600,000 Al-Futtaim FAB Rewards (AED 3,000), or earning on spending up to the credit limit, whichever is lower.
Zero bank FX and cash-advance fees in Saudi Arabia are a product-specific feature; do not generalise to all international spending. Scheme fees/conversion need separate confirmation.
Published UAE-national welcome campaign up toAED 5,000 requires AED 12,000 spending for 3 consecutive months and is valid through 23 November 2026; no campaign value included in forecasts.
Official bank source · checked 2026-10-24Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: 12 visits annually at 1,300+ lounges after one international transaction; register with Visa Airport Companion and confirm timing/guest eligibility.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Overall monthly cap:600,000 Al-Futtaim FAB Rewards (AED 3,000), or earning on spending up to the credit limit, whichever is lower.
- Zero bank FX and cash-advance fees in Saudi Arabia are a product-specific feature; do not generalise to all international spending. Scheme fees/conversion need separate confirmation.
- Published UAE-national welcome campaign up toAED 5,000 requires AED 12,000 spending for 3 consecutive months and is valid through 23 November 2026; no campaign value included in forecasts.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic · minimum salary AED 12,000
Compare Blue FAB Islamic Credit Card with Emirates Islamic Cashback Plus Credit CardHSBC Live+ Credit Card
HSBC · minimum salary AED 12,500
Compare Blue FAB Islamic Credit Card with HSBC Live+ Credit CardConsumer Cashback Platinum Card
DIB · minimum salary AED 15,000
Compare Blue FAB Islamic Credit Card with Consumer Cashback Platinum CardBlue FAB Islamic FAQs
What salary do you need for Blue FAB Islamic?
The published minimum monthly salary is AED 15,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for Blue FAB Islamic?
The listed annual fee is AED 315. First year free; renewal AED 315 including VAT, waived after AED 36,000 annual eligible spending.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Blue FAB Islamic Credit Card official product terms
- FAB: Official product page
- FAB: FAB Islamic tariff
- FAB: Blue Islamic reward terms
- Blue FAB Islamic Credit Card 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.