FAB Islamic Blue Credit Card Sharia-compliant
A Sharia-compliant credit card by FAB Islamic earning up to 0.1 points per AED on shopping and 0.04 points per AED on education.
AED 315.00
Up to 0.1 pts/AED
AED 15,000
3.76%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 15,000+ monthly and spend heavily on shopping and education.
Not ideal if
You prioritize dining, travel, or grocery rewards over shopping and education.
Watch out for
Annual fee of AED 315 waived only with AED 36,000 yearly spend.
Calculate This Card’s Value
Earning Rates
0.1 pts/AED
0.015 pts/AED
0.04 pts/AED
0.0015 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Sharia-compliant card with 0.1 points per AED on shopping.
Welcome bonus of AED 5,000 for AED 30,000 spend in 90 days.
Lounge access and airport transfer perks included.
Earns 0.04 points per AED on education spend.
Watch out for
Very low grocery earn rate at 0.0015 points per AED.
No dedicated dining or travel earn category.
Annual fee waiver requires AED 36,000 yearly spend.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is waived if you spend AED 36,000 or more per year. If you spend less, the fee may outweigh the modest earn rates on most categories except shopping.
How does the welcome bonus work?
You receive AED 5,000 in FAB Rewards points (1,000,000 points) if you spend AED 10,000 per month for three consecutive months within 90 days of card approval. The offer is valid until 28 February 2026.
Does this card earn on school or university fees?
Yes, the card earns 0.04 points per AED on education spend, including school and university fees.
Can I use this card abroad?
Yes, the card earns 0.015 points per AED on international spend. However, the 3.76% foreign exchange markup is higher than many competitors, so factor this cost into your decision.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to be eligible for this card.