FAB ADNOC Rewards Credit Card review
At ADNOC stations the card returns 150 points per AED 1, worth 15%, alongside 30 points per AED 1 (3%) on SALIK, DARB and Mawaqif, 10 points per AED 1 (1%) on UAE spend, 2% value internationally, 1% on groceries and 0.15% at other merchants. To unlock the fuel, SALIK and grocery rates you need at least AED 3,000 of monthly spend, and each category carries its own cap, with fuel limited to AED 150 a month.
Beyond the pump, the card offers fast-track ADNOC Rewards Gold Membership in year one, access to 1,300+ lounges in 135 countries with a USD 1 spend, 2 cinema tickets a month at AED 20 plus 20% off food and beverages, and a welcome bonus of 300,000 ADNOC points worth AED 300.
Points stay within the ADNOC ecosystem, so the card works best for drivers who regularly refuel and pay tolls. With an accessible AED 5,000 salary requirement, it is a strong choice for commuters looking to offset motoring costs.
Card details
| Bank | FAB |
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| Card type | Lifestyle |
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| Card network | Mastercard World |
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| Co-brand | ADNOC |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 315 |
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| Interest (monthly) | 3.99% |
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| Reward type | ADNOC Rewards points |
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| Reward rate | 150 ADNOC points per AED 1 (15% value) at ADNOC stations; 30 points per AED 1 (3%) on SALIK, DARB and Mawaqif; 10 points per AED 1 (1%) on UAE spend; 2% value on international spend; 1% on groceries; 0.15% at other merchantsA minimum AED 3,000 monthly spend is needed to earn the fuel, SALIK and grocery rates Fuel is capped at AED 150/month; SALIK and similar at 100,000 points (AED 100)/month; groceries at AED 100/month; UAE and international spend at AED 1,000/month each; other merchants at AED 1,000/month Points are redeemable within the ADNOC ecosystem; redemption and expiry terms are not specified |
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| Welcome bonus | 300,000 ADNOC Rewards points, worth AED 300, on new card sign-upNew credit card sign-up | Payment of the annual fee required | Points crediting timeline not specified |
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| Lounge access | Free access to 1,300+ lounges across 135 countries with a USD 1 spend |
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| Quick cash | Quick Cash available bank-wide |
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| Balance transfer | 0% balance transfer plans available bank-wide |
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| Instalment plan | 0% Easy Payment Plans available bank-wide |
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Welcome bonus: 300,000 ADNOC Rewards points, worth AED 300, on new card sign-up
Terms: New credit card sign-up | Payment of the annual fee required | Points crediting timeline not specified
FAB ADNOC Rewards Credit Card benefits
✓15% value back on ADNOC fuel
✓3% back on SALIK, DARB and Mawaqif
✓Fast-track ADNOC Rewards Gold Membership in year one
✓1,300+ lounges with a USD 1 spend
✓2 cinema tickets/month at AED 20 plus 20% off F&B
✓Welcome bonus of 300,000 ADNOC points
Offers and payment options
Quick cashQuick Cash available bank-wide
Balance transfer0% balance transfer plans available bank-wide
Instalment plan0% Easy Payment Plans available bank-wide
FAB ADNOC Rewards Credit Card fees & charges
| Annual percentage rate (APR) | 47.88% (purchases and cash advance) |
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| Cash advance fee | Up to 3.15% (plus VAT) or AED 157.50, whichever higher |
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| Late payment fee | 241.50 |
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| Over-limit fee | 303.18 |
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| Foreign currency fee | Up to 2.61% + VAT + scheme charges |
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| Minimum payment | 5% of outstanding or AED 100, whichever higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 (reducing to 25 effective 20 Aug 2026) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits UAE drivers with high fuel and toll spending who can use rewards within the ADNOC ecosystem.
What works well
- ✓Excellent fuel and toll rewards
- ✓Strong lounge access for the annual fee
- ✓Worthwhile welcome bonus
What to weigh up
- −Fuel cashback capped at AED 150/month
- −Requires AED 3,000 prior-month spend for the top rates
- −Points are locked to the ADNOC ecosystem
FAB ADNOC Rewards Credit Card eligibility
Min salary AED 5000; UAE resident
▤Emirates ID▤Passport/visa▤Salary certificate or bank statements
FAB ADNOC Rewards Credit Card FAQs
Min salary AED 5000; UAE resident
The listed annual fee is AED 315. Ask the bank whether a spend-based waiver is currently available.
150 ADNOC points per AED 1 (15% value) at ADNOC stations; 30 points per AED 1 (3%) on SALIK, DARB and Mawaqif; 10 points per AED 1 (1%) on UAE spend; 2% value on international spend; 1% on groceries; 0.15% at other merchants
It suits UAE drivers with high fuel and toll spending who can use rewards within the ADNOC ecosystem.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
