FAB Blue Signature Credit Card

Both the joining fee and the annual fee are AED 0, confirmed in the card's key highlights and again in its fee schedule. It's a straightforward no-cost card to hold — you won't be charged either fee when you open the account or when it renews.

New cardholders can earn AED 1,000 back in Al-Futtaim FAB Rewards by spending AED 20,000 on the card within the first 2 months. It's run as a promotional offer, so the exact terms can vary by campaign period — worth checking FAB's current promotions page before you apply.

Rewards are tiered by where you spend: 6% back at Al-Futtaim retail brands like Marks & Spencer, IKEA, ACE and Toys R Us, 3% at Al-Futtaim specialty brands such as its schools and car brands, and 1% on everything else. The issuer's selected categories (groceries, fuel, transport, government services, utility bills, education, insurance, charity, rent and fast food) earn a reduced 0.15%.

Yes. FAB caps cashback earnings at AED 3,000 per month across the card.

Cardholders get complimentary access to more than 1,000 airport lounges worldwide, plus up to 2 discounted airport transfers per year from AED 40. There's also up to 4 discounted cinema tickets per month at AED 20 each, and 0% interest instalment plans and balance transfers for up to 12 months if set up within 90 days of card issuance.

You need a minimum monthly salary of AED 15,000 to qualify, matching the minimum income figure listed in the card's eligibility section. FAB doesn't publish a separate minimum age or minimum credit limit requirement for this card.