Blue FAB Signature Credit Card by Al-Futtaim review
Spending at Al-Futtaim retail brands earns 7%, combining 6% in Al-Futtaim FAB Rewards with 1% through the Blue app, alongside 3% on other Al-Futtaim spend, up to 1% on general purchases and a further 2% on Blue wallet top-ups. Monthly rewards are capped at AED 3,000 in value.
The card carries no annual fee and still delivers travel value through access to 1,000+ airport lounges worldwide, along with four AED 20 cinema tickets a month, buyer protection up to USD 6,000 and four free supplementary cards. Cashback is paid as Al-Futtaim FAB Rewards and can go toward utility bills via the Blue app.
With a AED 15,000 salary threshold and 0% balance transfers for up to 12 months, it is a practical choice for regular Al-Futtaim shoppers who want strong category cashback without paying for it.
Card details
| Bank | FAB |
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| Card type | Cashback |
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| Card network | Visa Signature |
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| Co-brand | Blue / Al-Futtaim |
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| Minimum salary | AED 15,000 |
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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 7% at Al-Futtaim retail brands (6% via Al-Futtaim FAB Rewards plus 1% via the Blue app); 3% on other Al-Futtaim spend; up to 1% on general spend; and an extra 2% on Blue wallet top-ups.The top rate applies at Al-Futtaim retail brands. Up to AED 3,000 in value per month, after which earning is capped. Cashback is paid as Al-Futtaim FAB Rewards and can be used for utility bills via the Blue app. Expiry is not stated. |
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| Lounge access | Complimentary access to 1,000+ airport lounges worldwide. |
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| Quick cash | Quick Cash is available across FAB cards. |
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| Balance transfer | 0% balance transfers for up to 12 months. |
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| Instalment plan | 0% interest payment plans on Al-Futtaim purchases. |
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Blue FAB Signature Credit Card by Al-Futtaim benefits
✓7% cashback at Al-Futtaim brands
✓No annual fees
✓Access to 1,000+ lounges
✓4 cinema tickets a month at AED 20
✓Buyer protection up to USD 6,000
✓4 free supplementary cards
Offers and payment options
Quick cashQuick Cash is available across FAB cards.
Balance transfer0% balance transfers for up to 12 months.
Instalment plan0% interest payment plans on Al-Futtaim purchases.
Blue FAB Signature Credit Card by Al-Futtaim fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
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| Cash advance fee | Up to 3.15% (plus VAT) 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 | Up to 2.61% + VAT + scheme charges |
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| Minimum payment | 5% of total outstanding balance (incl instalments) or AED 100, whichever is higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 (reducing to 25 effective 20 Aug 2026) |
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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 is a fit for Al-Futtaim brand shoppers who want high cashback with no annual fee.
What works well
- ✓Strong 7% at Al-Futtaim brands
- ✓No annual fee
- ✓Worldwide lounge access
What to weigh up
- −Value tied to the Al-Futtaim ecosystem
- −AED 3,000 monthly cap
- −Low general earn rate
Blue FAB Signature Credit Card by Al-Futtaim eligibility
Minimum salary AED 15,000; UAE resident.
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
Blue FAB Signature Credit Card by Al-Futtaim FAQs
Minimum salary AED 15,000; 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 7% at Al-Futtaim retail brands (6% via Al-Futtaim FAB Rewards plus 1% via the Blue app); 3% on other Al-Futtaim spend; up to 1% on general spend; and an extra 2% on Blue wallet top-ups.
This card is a fit for Al-Futtaim brand shoppers who want high cashback with no annual fee.
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.
