FAB ADNOC Rewards Credit Card
Get 15% back on everything ADNOC
at FAB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
“For ADNOC regulars this is the strongest fuel play in the country — 15% back on station spend and 3% on Salik is money you were spending anyway. Just know the deal: 3,000 through the card every month to keep the taps open, and your rewards live at ADNOC, not in your bank account.”
Earning and redeeming ADNOC Rewards points
The card earns ADNOC Rewards points, ADNOC Distribution's own loyalty currency, at 1,000 points to the . The headline rates are steep: 150 points per 1 (15% back) at ADNOC stations including fuel, 30 points (3%) on Salik, DARB and Mawaqif, 20 points (2%) on international spend, and 10 points (1%) at supermarkets and on other domestic retail.
Two catches matter. First, the boosted fuel, toll and grocery categories only pay out if you spent 3,000 on the card in the previous calendar month — skip a month and those categories earn nothing until you re-qualify. Second, a long list of “selected categories” — utilities, telecom, education, insurance, government services, transport, and even non-ADNOC fuel stations — earn a token 0.15%. Points post to your linked ADNOC Rewards account and are spent at ADNOC stations; caps run to 150,000 points a month on station spend and 1,000,000 points overall.
Rates and fees
- Annual fee
- 315 incl. VAT — waived from year two if you spend 48,000 in the previous 12 months
- Welcome bonus
- 300,000 ADNOC points ( 300) for cards issued 18 Dec 2025 – 17 Dec 2026, after fee payment and the second statement
- Interest rate
- 3.99% per month (47.88% annualized) on unpaid balances
- Foreign transaction fee
- Up to 2.61% + VAT plus card-scheme charges
- Cash advance fee
- Up to 3.15% + VAT (minimum 157.50)
- Late payment fee
- 241.50
- Minimum salary
- 5,000 per month
- Supplementary cards
- Free
Rates verified against FAB's published credit-card Schedule of Fees and the ADNOC Rewards card terms and conditions (January 2026). Always confirm on the issuer's site before applying.
Card benefits
15% back at ADNOC
150 ADNOC Rewards points per 1 at ADNOC service stations including fuel — capped at 150,000 points a month.
3% on tolls and parking
Salik, DARB and Mawaqif spend earns 30 points per 1, capped at 100,000 points a month.
300 welcome bonus
300,000 ADNOC Rewards points guaranteed for cards issued during the offer period, after the annual fee is paid.
ADNOC Gold fast-track
Complimentary Silver tier on issuance and promotional fast-track to ADNOC Rewards Gold membership.
Airport lounge access
FAB advertises global lounge access on this card; programme details and visit limits aren't published on the card page.
Card protections
Chip-and-PIN with OTP-secured online purchases, optional Credit Shield and Wallet Shield cover.
Pros and cons
- Exceptional 15% back on ADNOC fuel and station spend
- 3% back on Salik, DARB and Mawaqif tolls and parking
- Guaranteed 300 welcome bonus during the current offer
- Complimentary ADNOC Rewards Silver tier, with Gold fast-track
- Low 5,000 minimum salary and free supplementary cards
- Bonus categories require 3,000 total card spend in the previous month — miss it and fuel earns nothing that month
- Utilities, telecom, education, government, transport and even non-ADNOC fuel stations earn just 0.15%
- Rewards are ADNOC store credit — you can only spend them at ADNOC stations
- 315 annual fee is only waived from year two if you spend 48,000 a year
- Very high 3.99% monthly interest rate (47.88% APR)
Is it right for you?
Get this card if
- You fuel at ADNOC weekly and pass Salik gates or pay Mawaqif parking regularly.
- You can reliably put 3,000 a month through the card to keep the bonus categories active.
- You're happy taking rewards as ADNOC station credit rather than cash.
Consider skipping it if
- Your big spend is utilities, telecom or school fees — they earn just 0.15% here.
- You don't fuel at ADNOC — non-ADNOC stations are a penalty category too.
- You carry a balance; 3.99% a month will wipe out any fuel savings.
Alternatives to consider
FAB's cashback card pays you in you can actually spend anywhere — not station credit.
Best cashback cards →
FAB's du co-brand has no annual fee at all and 15% back on du bills — another niche saver, without the fee.
Best no-annual-fee cards →
ADCB TouchPoints earn on everyday categories and redeem flexibly — a better all-rounder if fuel isn't your biggest bill.
Best fuel & transport cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee on the FAB ADNOC Rewards Credit Card?+
AED 315 including VAT (advertised as AED 300 excluding VAT). It is charged in the first year and waived from year two if you spend AED 48,000 or more on retail purchases in the previous twelve months.
How does the 15% back on ADNOC spending work?+
You earn 150 ADNOC Rewards points per AED 1 spent at ADNOC service stations, including fuel. 1,000 points are valued at AED 1, so that is effectively 15% back, capped at 150,000 points a month. You must have spent AED 3,000 on the card in the previous calendar month to qualify.
What is the welcome bonus?+
Cards issued between 18 December 2025 and 17 December 2026 receive 300,000 ADNOC Rewards points (worth AED 300) after payment of the annual membership fee and issuance of the second statement. FAB and ADNOC staff are not eligible.
Do I need an ADNOC Rewards membership to apply?+
Yes — you must provide a valid ADNOC Rewards membership number at application so the card can be linked. If you are not yet a member, register first via the ADNOC app.
Where can I spend ADNOC Rewards points?+
Points transfer to your ADNOC Rewards account and are redeemed at ADNOC service stations under ADNOC Distribution's programme terms — they are not bank points or cashback.
What do non-ADNOC purchases earn?+
1% back on other domestic retail spend and 2% on international spend. But selected categories — utilities, telecom, education, insurance, government services, transport and even non-ADNOC fuel stations — earn only 0.15%.
What is the minimum salary for this card?+
AED 5,000 per month.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.