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.

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.

Visa Airport Companion provides up to eight lounge visits yearly: one is free, then an international card transaction at least 10 days before the second unlocks seven more. The card has two AED 40 intra-city airport transfers yearly if you buy the flight ticket with it within 90 days of travel. Four AED 20 cinema tickets monthly require AED 4,000 card spend.

You need a minimum monthly salary of AED 15,000 to qualify, and the card is only available to applicants above the age of 21.

Purchases accrue 3.99% a month (47.88% a year) if the balance is not paid in full, and FAB charges a 2.61% international transaction fee on foreign-currency spend.