Best Credit Cards for IKEA UAE
IKEA UAE is Al-Futtaim, so the cards that pay most there are the three Blue FAB co-brands.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
Not the SHARE cards — those belong to Majid Al Futtaim, a different company, and earn only their ordinary base rate at IKEA.
Blue FAB Infinite earns 8%, Signature 6% and Platinum 5% in Al-Futtaim FAB Rewards at IKEA, ACE Hardware, Marks & Spencer, Toys R Us and the rest of the Al-Futtaim retail list. All three are free for life; the tiers differ by salary and by the monthly rewards ceiling — AED 4,000, AED 3,000 and AED 2,000 respectively.
FAB advertises a higher combined figure than the card pays. The card earns 8%, 6% or 5% by tier as Al-Futtaim FAB Rewards. A further 1% is credited separately in the Blue app when you scan your Blue ID at the till, so it only lands if you remember to scan.
FIRST ABU DHABI BANK (FAB)
FAB Blue Infinite Credit Card
≈ AED 28,920 potential value / year · incl. perks
8% cashback on Al-Futtaim brands
1% cashback on extra spending
Free airport lounge access
FIRST ABU DHABI BANK (FAB)
FAB Blue Platinum Credit Card
≈ AED 18,200 potential value / year · incl. perks
5% Cashback on Al-Futtaim Brands
1% FAB Rewards Cashback
0% Interest Plans
WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on most spends
0.5% on card bills
Up to AED 2,500/month
Up to 600 ENTERTAINER offers
Best Credit Cards for IKEA UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 40,000 | 8% back at Al-Futtaim retail brands, no annual fee, rewards capped at AED 4,000/month, from AED 40,000 |
 | Free | AED 15,000 | 6% at the same brands, no annual fee, capped at AED 3,000/month, from AED 15,000 |
| Free | AED 8,000 | 5% at the same brands, no annual fee, capped at AED 2,000/month, from AED 8,000 |
 | AED 525 | AED 7,000 | 3% flat on all spend including IKEA, AED 525 annual fee, from AED 7,000 |
 | Free | AED 12,000 | 2.5% on retail including IKEA, no annual fee, for UAE nationals from AED 12,000 |
| AED 588 (waivable) | AED 5,000 | 2% on most eligible purchases with a qualifying plan, no card fee, from AED 5,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 40,000 | 8% back at Al-Futtaim retail brands, no annual fee, rewards capped at AED 4,000/month, from AED 40,000 |
| Free | AED 15,000 | 6% at the same brands, no annual fee, capped at AED 3,000/month, from AED 15,000 |
| Free | AED 8,000 | 5% at the same brands, no annual fee, capped at AED 2,000/month, from AED 8,000 |
| AED 525 | AED 7,000 | 3% flat on all spend including IKEA, AED 525 annual fee, from AED 7,000 |
| Free | AED 12,000 | 2.5% on retail including IKEA, no annual fee, for UAE nationals from AED 12,000 |
| AED 588 (waivable) | AED 5,000 | 2% on most eligible purchases with a qualifying plan, no card fee, from AED 5,000 |
FAB Blue Infinite Credit Card
Annual feeFree
Min. salaryAED 40,000
Highlight8% back at Al-Futtaim retail brands, no annual fee, rewards capped at AED 4,000/month, from AED 40,000
FAB Blue Signature Credit Card
Annual feeFree
Min. salaryAED 15,000
Highlight6% at the same brands, no annual fee, capped at AED 3,000/month, from AED 15,000
FAB Blue Platinum Credit Card
Annual feeFree
Min. salaryAED 8,000
Highlight5% at the same brands, no annual fee, capped at AED 2,000/month, from AED 8,000
Invest Bank Platinum Credit Card
Annual feeAED 525
Min. salaryAED 7,000
Highlight3% flat on all spend including IKEA, AED 525 annual fee, from AED 7,000
Emirates Islamic Emarati Credit Card
Annual feeFree
Min. salaryAED 12,000
Highlight2.5% on retail including IKEA, no annual fee, for UAE nationals from AED 12,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on most eligible purchases with a qualifying plan, no card fee, from AED 5,000
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why the Blue FAB cards win at IKEA
1.
IKEA belongs to Al-Futtaim, not Majid Al Futtaim
The two groups have similar names and separate loyalty programmes. Al-Futtaim runs IKEA, ACE Hardware, Marks & Spencer and Toys R Us under Blue Rewards. Majid Al Futtaim runs Carrefour, Mall of the Emirates, City Centre, VOX Cinemas and Ski Dubai under SHARE. A SHARE card earns only its ordinary rate at IKEA.
2.
All three Blue FAB tiers are free for life
There is no joining fee and no annual fee at Platinum, Signature or Infinite, so the only thing your salary changes is the earn rate and the monthly ceiling. That makes the card close to risk-free as a second card kept purely for Al-Futtaim spending.
3.
The rewards cap is a monthly AED value
FAB caps Al-Futtaim FAB Rewards at AED 4,000, AED 3,000 or AED 2,000 of value per calendar month by tier. The ceiling is on rewards earned, not on what you spend, and a normal furnishing run stays well inside it.
How to choose between them
1.
Your salary picks the tier
The three cards are the same product at different earn rates: Platinum from AED 8,000 pays 5%, Signature from AED 15,000 pays 6%, Infinite from AED 40,000 pays 8%. Since none of them charge a fee, take the highest tier you qualify for.
2.
Do not make it your everyday card
Outside Al-Futtaim the Blue FAB cards pay 1%, and FAB's selected categories — groceries, fuel, transport, government services, utility bills, education, insurance, charity and rent — pay just 0.15%. Groceries at Carrefour earn 0.15% here, so keep a cashback or grocery card for daily spend.
3.
Claim the extra 1% yourself
FAB advertises a combined figure that adds a 1% leg paid in the Blue app when you scan your Blue ID at the till. That leg is a separate programme from the card, so it only lands if you remember to scan.
What you would earn on AED 2,000/month at IKEA and Al-Futtaim brands
Adjust your monthly spending to see how cashback changes across cards.
Al-Futtaim Brands
5%
AED 0
5% · AED 0
Al-Futtaim Brands
2%
AED 0
2% · AED 0
Grocery, Insurance +2 more
0.15%
AED 0
0.15% · AED 0
Grocery, Insurance +2 more
2%
AED 0
2% · AED 0
Fuel, Government +4 more
0.15%
AED 0
0.15% · AED 0
Fuel, Government +4 more
0.5%
AED 0
0.5% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
2%
AED 0
2% · AED 0
Movie Tickets
AED 480
Movie Tickets
—
Airport Transfer
AED 80
Airport Transfer
—
Annual Fee
Free
Annual Fee
– AED 588
Total
+ AED 560
Total
– AED 588
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
6 cards in the UAE
FIRST ABU DHABI BANK (FAB)
FAB Blue Infinite Credit Card
- Salary: AED 40,000+
- No Annual Fee
- 8% cashback on Al-Futtaim brands
- 1% cashback on extra spending
- Free airport lounge access
FIRST ABU DHABI BANK (FAB)
FAB Blue Signature Credit Card
- Salary: AED 15,000+
- No Annual Fee
- 6% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans & Balance Transfers
FIRST ABU DHABI BANK (FAB)
FAB Blue Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 5% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans
INVEST BANK
Invest Bank Platinum Credit Card
- Salary: AED 7,000+
- No Annual Fee for the first year
- Flat 3% cashback on all spends (up to AED 1,000/month)
- Access to 25+ VIP Airport Lounges
- 20% off Careem rides (3 rides/month)
EMIRATES ISLAMIC
Emirates Islamic Emarati Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Exclusive for UAE nationals
- Welcome Bonus: AED 1,000 as EI SmartMiles
- Up to 3.75 EI SmartMiles per AED 1
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on most spends
- 0.5% on card bills
- Up to AED 2,500/month
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–40,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–40,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Credit Cards for IKEA UAE
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