Blue FAB Signature Credit Card by Al-Futtaim
7% at Al-Futtaim brands + free lounge access, 0 fee
at FAB's secure site
See rates & fees.
Rewards rate
Free lounge access on a card with no annual fee is genuinely unusual in the UAE, and 7% at Al-Futtaim retail is the strongest realistic rate in the Blue family for most incomes. If your salary clears 15,000 and IKEA runs are routine, this is the Blue card to get — just route groceries, fuel and bills elsewhere.
Earning and redeeming Al-Futtaim FAB Rewards
Spending earns Al-Futtaim FAB Rewards points at 200 points per 1 of value. The Signature tier pays 7% back at Al-Futtaim retail brands, 3% at other Al-Futtaim businesses and 1% everywhere else, in the UAE or abroad. The floor is the same as the rest of the family: supermarkets, fuel, utilities, education, government services, insurance, rent and fast food earn just 0.15%, and earning pauses once you've collected 3,000 in value in a month.
Redemption options span cashback to your card, pay-with-points at selected Al-Futtaim tills, e-vouchers, utility bills, or conversion to Skywards and Etihad Guest Miles (conversion rates unpublished). Points last 2 years from the end of the earning month, and the Blue app adds 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
- 15,000 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
7% at Al-Futtaim retail
One point better than the Platinum tier at IKEA, ACE, M&S and the Al-Futtaim retail family, up to 3,000 value per month.
1,000+ airport lounges
Free global lounge access for the cardholder, offered and supported by Visa — rare at this price point of zero.
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.
Buyers protection
Purchases covered by Visa buyer protection, with OTP-secured online transactions and chip-and-PIN.
Cinema & Farfetch perks
20 cinema tickets, discounted airport transfers and up to $150 off $1,000 at Farfetch via Visa.
Pros and cons
- 7% back at Al-Futtaim retail brands and 3% at other Al-Futtaim businesses, still with zero annual fee
- Free Visa lounge access at 1,000+ lounges worldwide — rare on a no-fee card
- Higher 3,000/month rewards cap than the Platinum tier
- 0% interest instalment plans across Al-Futtaim shopping and 0% balance transfers
- Rewards convert to cashback, Skywards or Etihad Guest Miles
- 15,000 salary requirement nearly doubles the Platinum's threshold for +1% at Al-Futtaim
- Still only 1% outside Al-Futtaim and 0.15% on supermarkets, fuel and utilities
- 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
- Lounge access is cardholder-only and FAB doesn't publish the visit terms
Is it right for you?
Get this card if
- You spend at Al-Futtaim brands most months and earn 15,000+
- You want lounge access without paying an annual fee
- You'd use 0% instalments for big Al-Futtaim purchases
- You already have a general-spend card and want a specialist
Consider skipping it if
- Your salary is under 15,000 — the Blue Platinum keeps most of the value
- Most of your spend is groceries, fuel and bills (0.15% here)
- You need guest or family lounge access — this covers the cardholder only
- You ever carry a balance — 3.99% a month is punishing
Alternatives to consider
The Blue FAB Platinum keeps the same free formula at 6% Al-Futtaim cashback with just an 8,000 salary floor.
Best no-annual-fee 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 Signature tier add over the Blue FAB Platinum?+
One percentage point more at Al-Futtaim (7% retail / 3% other vs 6% / 2%), a higher AED 3,000 monthly rewards cap, and free Visa airport lounge access at 1,000+ lounges. The salary requirement rises from AED 8,000 to AED 15,000.
Is there an annual fee?+
No. FAB's schedule of fees lists the Blue FAB Signature at zero annual membership fee, and supplementary cards are free too.
How does the lounge access work?+
FAB advertises free access to over 1,000 airport lounges globally as a Visa-supported service for the cardholder. The bank 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 3,000 in value (600,000 points) per calendar month, after which earning stops until the next 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.