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, spend regularly on shopping and education, and want Sharia-compliant rewards.
Not ideal if
You spend heavily on dining, travel, or groceries with weak earn rates on those categories.
Watch out for
AED 36,000 annual spend required to waive the AED 315 fee, or you pay it outright.
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
0.1 points per AED on shopping with no cap.
0.04 points per AED on education spending, helpful for school fees.
AED 5,000 welcome bonus after AED 30,000 spend in 90 days.
Sharia-compliant structure with lounge access and airport transfer perks.
Watch out for
Very low 0.0015 points per AED on groceries.
No dedicated dining or fuel earn rates.
3.76% FX markup on international transactions.
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 per year (AED 3,000 annually average). If you meet that threshold, the fee is not a concern. If you don't, the fee will reduce your net rewards.
How does the welcome bonus work?
You receive AED 5,000 (1,000,000 points) if you spend AED 10,000 on retail purchases each month for three consecutive months within 90 days. The offer is valid until 28 February 2026.
Does this card earn on school or university fees?
Yes, education spending earns 0.04 points per AED with no cap. This makes it useful if you regularly pay tuition or other education fees.
Can I use this card abroad?
Yes, but international spend earns only 0.015 points per AED and carries a 3.76% FX markup, which is standard to high. Frequent overseas use will cost you more.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to be eligible for this card.