FAB · UAE CARD REVIEW

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.

Explore all FAB cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18

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.

Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: AED 3,000. 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.

Conventional banking

FABBANK-SOURCED

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

Min. salary: AED 15,000

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 compareRead full review & fee mathsCard details & offers

Rewards, fees & important conditions

Read the full Blue FAB Signature Credit Card by Al-Futtaim review and fee maths

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 2026-10-18

Credit card fees (July 2026)

Al-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

FAB

Blue FAB Signature Credit Card by Al-Futtaim

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Blue FAB Signature Credit Card by Al-Futtaim review and fee maths

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 2026-10-18

Credit card fees (July 2026)

Al-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.

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.

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.