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Premium
First Abu Dhabi Bank
Blue FAB Signature by Al-Futtaim
No salary transfer needed
Min. salary
AED 15,000
Annual fee
AED 0
Monthly rate
3.99%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
59.9%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- Minimum salary
- AED 15,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 7% collective cashback on Al-Futtaim retail brands (6% in Al-Futtaim FAB Rewards + 1% in the Blue app by showing Blue ID) at brands including M&S, IKEA, ACE, Toys R Us
- 3% cashback on other Al-Futtaim spending (Al-Futtaim schools and car brands including Volvo, BYD, Dodge, Honda, Jeep, Lexus)
- Up to 1% cashback on all non-Al-Futtaim spending (select categories earn 0.15%)
- Cashback in Al-Futtaim FAB Rewards capped at AED 3,000 value per month
- 0% interest buy now, pay later plans on Al-Futtaim purchases plus 0% interest balance transfers for up to 12 months when applied within 90 days of getting the card
- FREE access to over 1,000 airport lounges across the globe (cardholder)
- Four cinema tickets a month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas
- Two airport transfers a year from AED 40 (intra-city service)
- Up to USD 150 off when you spend USD 1,000 at FARFETCH
- Buyers Protection against theft or accidental damage for 365 days, up to USD 6,000 per claim
- Four free supplementary cards
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.