Blue FAB Infinite Credit Card by Al-Futtaim
9% at Al-Futtaim brands + lounge access for two, 0 fee
at FAB's secure site
See rates & fees.
Rewards rate
Nine percent at IKEA and ACE on a free card is the best co-brand rate in the country, and lounge access for two sweetens it. But be clear-eyed: at an 40,000 salary bar, this card competes with real premium travel cards — and outside Al-Futtaim it can't keep up. Get it for the shopping, not as your only card.
Earning and redeeming Al-Futtaim FAB Rewards
Spending earns Al-Futtaim FAB Rewards points at 200 points per 1 of value. The Infinite tier pays 9% back at Al-Futtaim retail brands, 4% at other Al-Futtaim businesses (automotive, education, real estate) and 1% everywhere else. The usual floor applies: supermarkets, fuel, utilities, education, government services, insurance, rent and fast food earn 0.15%, and earning pauses once you collect 4,000 in value in a month — roughly 44,000 of retail spend at the top rate.
Redemption spans cashback to your card, pay-with-points at selected Al-Futtaim tills, e-vouchers, utility bills, or conversion to Skywards and Etihad Guest Miles (rates unpublished). Points last 2 years from the end of the earning month, and the Blue app layers an instant extra 1% in Blue Points at participating brands.
Rates and fees
- Annual fee
- 0 — free for life, supplementary cards also free
- Interest rate
- 3.99% per month on purchases and cash advances (47.88% APR)
- Foreign transaction fee
- Up to 2.61% + VAT and scheme charges
- Cash advance fee
- Up to 3.15% + VAT, minimum 157.50
- Late payment fee
- 241.50
- Overlimit fee
- 303.18
- Minimum salary
- 40,000 per month
Fee amounts include 5% VAT per FAB's credit-card schedule of fees; rates are indicative and can change — confirm with FAB before applying.
Card benefits
9% at Al-Futtaim retail
The family's top rate at IKEA, ACE, M&S and the Al-Futtaim retail portfolio, up to 4,000 value per month.
Lounge access for two
You and a guest get free access to 1,000+ airport lounges worldwide, offered and supported by Visa.
0% buy now, pay later
Split Al-Futtaim purchases into 0% interest instalment plans, plus 0% balance transfers from other banks' cards.
ENTERTAINER 2-for-1
2-for-1 deals and 5,000+ discounted travel offers via the 'Xperience with the ENTERTAINER' app.
Buyers protection
Purchases covered by Visa buyer protection, with OTP-secured online transactions and chip-and-PIN.
The Blue Advantage
Link the Blue app for an instant extra 1% in Blue Points, 2% on wallet top-ups and 3,000+ 2-for-1 deals.
Pros and cons
- 9% back at Al-Futtaim retail brands — the highest co-brand rate in the family — and 4% at other Al-Futtaim businesses
- Free Visa lounge access at 1,000+ lounges for you and a guest, on a card with no annual fee
- Highest monthly rewards cap of the trio at 4,000 in value
- 0% interest instalment plans across Al-Futtaim shopping and 0% balance transfers
- ENTERTAINER 2-for-1 offers and rewards that convert to Skywards or Etihad Guest Miles
- 40,000 minimum salary shuts out most applicants
- Still only 1% outside Al-Futtaim and 0.15% on supermarkets, fuel and utilities
- No travel insurance, golf or other premium extras you'd expect at a Visa Infinite tier
- Steep 3.99% monthly interest rate (47.88% APR) if you carry a balance
- Foreign transaction fee up to 2.61% plus VAT and scheme charges
Is it right for you?
Get this card if
- You earn 40,000+ and spend heavily at Al-Futtaim brands
- You're furnishing a home or buying big-ticket electronics through Al-Futtaim
- You want free lounge access for yourself and a companion
- You'll pair it with a stronger everyday or travel card
Consider skipping it if
- Your salary is below 40,000 — the Signature keeps most of the value at 7%
- You want one all-round premium card — this earns 1% outside Al-Futtaim
- You expect Infinite-tier extras like travel insurance or golf — they're not advertised here
- You ever carry a balance — 3.99% a month is punishing
Alternatives to consider
The Blue FAB Signature keeps 7% at Al-Futtaim and solo lounge access with an 15,000 salary floor.
Best no-annual-fee cards →
ADCB's Touchpoints Infinite rewards everyday spending across categories rather than one retail group.
Best overall cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What does the Infinite tier add over the Blue FAB Signature?+
Two points more at Al-Futtaim retail (9% vs 7%), 4% instead of 3% at other Al-Futtaim businesses, a higher AED 4,000 monthly cap, lounge access extended to a +1 guest, and ENTERTAINER 2-for-1 offers. The salary requirement jumps from AED 15,000 to AED 40,000.
Is there an annual fee?+
No. FAB's schedule of fees lists the Blue FAB Infinite at zero annual membership fee, and supplementary cards are free.
How does the lounge access work?+
You and one guest get free access to over 1,000 airport lounges globally as a Visa-supported service. FAB doesn't publish a visit cap or program name, so check the Visa benefits app for your card before travelling.
How is the cashback paid?+
You earn Al-Futtaim FAB Rewards points (200 points = AED 1), redeemable as cashback to the card, pay-with-points at selected Al-Futtaim tills, e-vouchers, utility bills, or conversion to Skywards and Etihad Guest Miles.
Is there a cap on rewards?+
Yes — AED 4,000 in value (800,000 points) per calendar month, after which earning stops until the next month. To max the 9% rate that's roughly AED 44,000 of Al-Futtaim retail spend a month.
What spending earns almost nothing?+
Supermarkets, fuel, utilities, education, government services, insurance, rent and fast food earn 0.15%; charity donations, cash advances and balance transfers earn nothing.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.