Blue FAB Infinite Credit Card by Al-Futtaim review
The card returns 9% at Al-Futtaim retail brands, made up of 8% in Al-Futtaim FAB Rewards and 1% through the Blue app, plus 4% on other Al-Futtaim spend, 1% on general purchases and an additional 2% on Blue wallet top-ups. Rewards are capped at AED 4,000 in value per month, after which earning pauses until the next cycle.
Despite sitting at the Infinite tier, the card charges no annual fee. It adds genuine travel and everyday value with access to 1,000+ airport lounges worldwide plus a guest, six AED 20 cinema tickets a month, Buyers Protection up to USD 7,500 and four free supplementary cards.
Cashback lands as Al-Futtaim FAB Rewards and Blue points can even pay utility bills through the Blue app. With a AED 40,000 salary requirement, it is aimed squarely at affluent shoppers who spend regularly across M&S, IKEA, ACE and the auto brands.
Card details
| Bank | FAB |
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| Card type | Cashback |
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| Card network | Visa Infinite |
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| Co-brand | Blue / Al-Futtaim |
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| Minimum salary | AED 40,000 |
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| Annual fee | Free for life |
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| Fee waiver | No annual fees. |
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| Interest (monthly) | 3.99% |
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| Reward type | Cashback (Al-Futtaim FAB Rewards + Blue app) |
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| Reward rate | Earn 9% at Al-Futtaim retail brands (8% via Al-Futtaim FAB Rewards plus 1% via the Blue app); 4% on other Al-Futtaim spend; 1% on general spend; and an extra 2% on Blue wallet top-ups.The top rate applies at Al-Futtaim brands such as M&S, IKEA, ACE, Toys R Us and the auto brands. Up to AED 4,000 in value per month, after which earning is capped for the rest of the month. Cashback is paid as Al-Futtaim FAB Rewards, and Blue points can settle utility bills through the Blue app. Expiry is not stated. |
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| Lounge access | Complimentary access to 1,000+ airport lounges worldwide plus one guest. |
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| Quick cash | Quick Cash is available across FAB cards. |
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| Balance transfer | 0% interest balance transfers are available. |
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| Instalment plan | 0% interest buy-now-pay-later and payment plans. |
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Blue FAB Infinite Credit Card by Al-Futtaim benefits
✓9% cashback at Al-Futtaim brands (M&S, IKEA, ACE, Toys R Us)
✓No annual fees
✓1,000+ lounges plus a guest
✓6 cinema tickets a month at AED 20
✓Buyers Protection up to USD 7,500
✓4 free supplementary cards
Offers and payment options
Quick cashQuick Cash is available across FAB cards.
Balance transfer0% interest balance transfers are available.
Instalment plan0% interest buy-now-pay-later and payment plans.
Blue FAB Infinite Credit Card by Al-Futtaim fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
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| Cash advance fee | 3.15% or AED 157.50, whichever higher |
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| Late payment fee | 241.50 |
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| Over-limit fee | 303.18 |
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| Foreign currency fee | 2.61% + scheme charges |
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| Minimum payment | 5% of outstanding or AED 100, whichever higher |
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| Interest-free period | 55 |
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| Card replacement fee | 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits high earners who shop heavily at Al-Futtaim brands such as M&S, IKEA and ACE.
What works well
- ✓Very high 9% at Al-Futtaim brands
- ✓No annual fee despite the premium tier
- ✓Strong lounge access
What to weigh up
- −High AED 40,000 salary requirement
- −Value tied to the Al-Futtaim ecosystem
- −AED 4,000 monthly cashback cap
Blue FAB Infinite Credit Card by Al-Futtaim eligibility
Minimum salary AED 40,000; UAE resident.
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
Blue FAB Infinite Credit Card by Al-Futtaim FAQs
Minimum salary AED 40,000; UAE resident.
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn 9% at Al-Futtaim retail brands (8% via Al-Futtaim FAB Rewards plus 1% via the Blue app); 4% on other Al-Futtaim spend; 1% on general spend; and an extra 2% on Blue wallet top-ups.
This card suits high earners who shop heavily at Al-Futtaim brands such as M&S, IKEA and ACE.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
