FAB Blue Platinum Credit Card

No. Both the joining fee and annual fee are AED 0. FAB's current fee schedule lists retail purchase interest at up to 3.99% per month (47.88% annualised). International or foreign-currency-in-AED transactions carry a 2.61% fee, plus the card network's scheme charge.

You need a minimum monthly salary of AED 8,000. That's notably lower than the AED 15,000 required for its sibling card, the FAB Blue Signature Credit Card, making the Platinum the more accessible entry point into FAB's Al-Futtaim rewards lineup.

Rewards are tiered by where you spend: 5% back at Al-Futtaim retail brands like Marks & Spencer, IKEA, ACE and Toys R Us; 2% at Al-Futtaim specialty brands such as schools and car brands; 1% on everything else; and a reduced 0.15% on the issuer's selected categories (groceries, fuel, transport, government services, utility bills, education, insurance, charity, rent and fast food).

Yes. FAB caps cashback earnings at AED 2,000 per month across the card.

FAB currently advertises four movie tickets a month at AED 20 each at Reel Cinemas, Cine Royal and Star Cinemas, plus two airport transfers a year from AED 40 each. Its Al-Futtaim payment plans and balance transfers can carry 0% interest for up to 12 months when arranged within 90 days of card issuance.

Both waive the annual fee. Signature requires an AED 15,000 salary rather than AED 8,000, earns 6% rather than 5% at Al-Futtaim retail and 3% rather than 2% at other Al-Futtaim brands, has a higher AED 3,000 monthly reward cap, and includes lounge access.