Blue FAB Platinum Credit Card by Al-Futtaim
6% cashback at Al-Futtaim retail brands — free for life
at FAB's secure site
See rates & fees.
Rewards rate
This is the rare no-fee card whose headline rate is actually worth chasing — if your money already flows to Al-Futtaim brands. The 6% at IKEA or ACE is real, the 0% instalment plans sweeten big purchases, and it costs nothing to hold. Just don't mistake it for an everyday card: groceries, fuel and bills earn a rounding error.
Earning and redeeming Al-Futtaim FAB Rewards
Spending earns Al-Futtaim FAB Rewards points at 200 points per 1 of value. The headline is 6% back at Al-Futtaim retail brands — fashion, electronics, home and toys — with 2% at other Al-Futtaim businesses (automotive, education, real estate) and 1% everywhere else, in the UAE or abroad. Watch the floor, though: supermarkets, fuel, utilities, education, government services, insurance, rent and fast food earn just 0.15%, and earning stops each month once you've collected 2,000 in value.
Redemption is flexible for a store card: cashback to your card, paying with points at selected Al-Futtaim tills, e-vouchers, utility bills — or converting to Skywards and Etihad Guest Miles (FAB doesn't publish the mile conversion rate). Points last 2 years from the end of the month you earn them. Adding the card to the Blue app layers on an instant 1% in Blue Points at participating brands plus 3,000+ 2-for-1 deals.
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
- 8,000 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
6% at Al-Futtaim retail
Big rewards at IKEA, ACE, M&S and the rest of the Al-Futtaim retail family, up to 2,000 value per month.
0% buy now, pay later
Split Al-Futtaim purchases into 0% interest instalment plans, plus 0% balance transfers from other banks' cards.
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.
Visa Platinum perks
Golf discounts in the UAE and abroad, Farfetch offers and the Visa Luxury Hotel Collection at 900+ properties.
Buyers protection
Purchases are covered by Visa buyer protection, with OTP-secured online transactions and chip-and-PIN.
Cinema for 20
Flat 20 cinema tickets plus discounted airport transfers for cardholders.
Pros and cons
- 6% back at Al-Futtaim retail brands and 2% at other Al-Futtaim businesses — strong for IKEA, ACE and Al-Futtaim fashion/electronics shoppers
- Genuinely free: no annual fee and free supplementary cards
- 0% interest buy-now-pay-later plans across Al-Futtaim shopping and 0% balance transfers
- Accessible 8,000 minimum salary
- Rewards convert to cashback, Skywards or Etihad Guest Miles
- Cashback value is capped at 2,000 per month, then earning stops for the month
- Just 1% outside Al-Futtaim, and only 0.15% on supermarkets, fuel, utilities, education and other low-earn categories
- 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
- No lounge access on the Platinum tier — that starts at Signature
Is it right for you?
Get this card if
- You shop Al-Futtaim brands (IKEA, ACE, M&S, Toys R Us) most months
- You want a genuinely free card with free family supplementaries
- You'd use 0% instalments for big furniture or electronics purchases
- You earn 8,000+ and want an accessible co-brand card
Consider skipping it if
- Most of your spend is groceries, fuel and utility bills — they earn 0.15% here
- You want lounge access or travel perks — look at the Signature or Infinite tiers
- You ever carry a balance — 3.99% a month compounds brutally
- You'd rather have one strong flat-rate card for everything
Alternatives to consider
FAB's Cashback Card pays flat cashback on all spending instead of concentrating value in one retail group.
Best cashback cards →
Emirates Islamic's Amazon co-brand rewards Amazon.ae spending — the online-first counterpart to this mall-first card.
Best online shopping 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
Which brands count as Al-Futtaim retail brands for the 6% cashback?+
Al-Futtaim's retail portfolio — fashion, electronics, home and toy stores such as IKEA, ACE and Marks & Spencer. FAB publishes the participating brand list as a PDF on the card page; automotive, education and real estate arms count as 'other Al-Futtaim spending' at 2%.
Is there really no annual fee?+
Yes. FAB's schedule of fees lists the Blue FAB Platinum at zero annual membership fee for both primary and supplementary cards.
How is the cashback paid?+
You earn Al-Futtaim FAB Rewards points (200 points = AED 1). You can redeem them as cashback to the card, pay with points at selected Al-Futtaim tills, convert to Skywards or Etihad Guest Miles, or use them for e-vouchers and utility bills.
Is there a cap on how much I can earn?+
Yes — rewards are capped at AED 2,000 in value (400,000 points) per calendar month. After that, earning stops until the next month.
Do my rewards expire?+
Al-Futtaim FAB Rewards are valid for 2 years from the end of the month in which they were earned.
What spending earns almost nothing?+
Supermarkets, fuel, utilities, education, government services, insurance, rent and fast food earn just 0.15%, and 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.