FAB Blue Infinite Credit Card

You earn Al-Futtaim FAB Rewards on a tiered scale: 9% back at Al-Futtaim retail brands like Marks & Spencer, IKEA, ACE and Toys R Us, 4% on other Al-Futtaim spending such as its schools and car brands (Volvo, BYD, Honda, Jeep, Lexus), and 1% on other spending, except fuel, utilities, government, telecom, real estate and education, which earn a reduced 0.15%. It also comes with free access to 1,000+ airport lounges worldwide, discounted cinema tickets, and discounted airport transfers, with no annual fee.

No, both the joining fee and annual fee are AED 0 according to the card's fee schedule. That said, it does carry a monthly interest rate of 3.85% (46.20% annualized) on any balance you carry, plus standard fees like a AED 230 late payment fee and a AED 275 over-limit fee, so free only refers to holding the card itself.

The card requires a minimum monthly salary of AED 40,000. Beyond that income threshold, the card's eligibility data doesn't specify a minimum age or minimum credit limit requirement.

Rewards are tiered: 9% back at Al-Futtaim retail brands (8% as FAB Rewards plus 1% via the BLUE app), 4% on other Al-Futtaim spending, and 1% on other spending, all paid out as Al-Futtaim FAB Rewards points. The 9% and 1% tiers explicitly share a combined cap of around AED 4,000 in rewards per month, so heavy spenders will hit a ceiling on how much cashback they can accumulate each month.

Cardholders get free access to over 1,000 airport lounges worldwide, plus one guest per visit. There are also up to 6 discounted cinema tickets a month at AED 20 each, up to 6 discounted airport transfers a year (from AED 40 intra-city or AED 100 intercity), and purchase protection covering theft or damage up to USD 7,500 per claim.

Based on the card's current data, there's no welcome offer listed, the welcome offer section is empty. Its value comes instead from the ongoing tiered cashback (9% at Al-Futtaim retail brands, 4% on other Al-Futtaim spend, 1% elsewhere) and the no-annual-fee lounge access, cinema and transfer perks, rather than an upfront signup bonus.