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Blue FAB Signature by Al-Futtaim cashback rate, cap and annual fee

Blue FAB Signature by Al-Futtaim pays 6% at Al-Futtaim retail brands, and 10 other rates.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

First Abu Dhabi Bank · United Arab Emirates · catalogue v121

Read from First Abu Dhabi Bank's own published terms on 29 Oct 2026.

NoneAnnual fee
AED 3,000Cap across the whole card
6%Best rate

What it pays, by category

SpendingRateMonthly cap
Al-Futtaim retail brandsretail and department stores6.00%—6% in Al-Futtaim FAB Rewards at Al-Futtaim retail brands in the UAE (M&S, IKEA, ACE, Toys R Us and others). The extra 1% FAB advertises is Al-Futtaim'
other Al-Futtaim brandseverything else3.00%—3% at other Al-Futtaim brands in the UAE: Al-Futtaim schools, car brands (Volvo, BYD, Honda, Lexus and others) and the Blue Wallet.
everything else1.00%—1% on all other spending, domestic and international.
groceries0.15%—Supermarkets (MCC 5411), on FAB's selected low-interchange list, 0.15%.
fuel0.15%—Petrol stations, on FAB's selected low-interchange list, 0.15%.
government0.15%—Government services, utilities and transit, on FAB's selected low-interchange list, 0.15%.
education0.15%—Education, on FAB's selected low-interchange list, 0.15%.
rent and property0.15%—Rent (MCC 6513), on FAB's selected low-interchange list, 0.15%.
fast fooddining0.15%—Fast food (MCC 5814), on FAB's selected low-interchange list, 0.15%.
public transport, taxis, parking and tollstravel0.15%—Public transport, taxis, parking and road tolls, on FAB's selected low-interchange list, 0.15%.
insuranceeverything else0.15%—Insurance, on FAB's selected low-interchange list, 0.15%.
charitiesNone—Charities: FAB's selected list pays them 0.15% and its Schedule B excludes charitable donations, so nothing is recorded.
No annual fee; minimum salary AED 15,000. 6% at Al-Futtaim retail brands and 3% at Al-Futtaim's schools, car brands and other businesses, both in the UAE; 1% everywhere else at home and abroad; 0.15% on supermarkets, fuel, government, transit, education, rent, insurance and fast food. AED 3,000 of Rewards a month at most. FAB prices the Rewards in its own terms: the monthly cap is printed as both AED 3,000 and 600,000 Rewards, so 200 Rewards are AED 1, and every rate below is FAB's own percentage. Rewards redeem as statement cashback in multiples of AED 50, at Al-Futtaim tills, for vouchers, bills or airline miles, and expire after two years. The card is back on FAB's credit card list as 'Blue FAB Credit Cards'. International transaction fee up to 2.61% plus VAT and scheme charges. Source: bankfab.com Blue FAB Signature page, the Al-Futtaim FAB Rewards programme page, the Al-Futtaim FAB Rewards Terms and Conditions (February 2025, version 4) and FAB's credit card fees and charges, read 29 Oct 2026.

Questions people ask

What cashback does the Blue FAB Signature by Al-Futtaim pay?

6% at Al-Futtaim retail brands, and 10 other rates.

Is there a cap on the Blue FAB Signature by Al-Futtaim?

Yes — AED 3,000 a month across the whole card, however you split your spending.

What is the annual fee on the Blue FAB Signature by Al-Futtaim?

No annual fee.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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