Best Credit Cards for Fuel and Petrol Stations in the UAE 2026
UAE fuel prices jumped sharply in 2026. Special 95 petrol went from AED 2.48 per litre in March to AED 3.28 in April — a rise of over 30% in a single month — driven by the Middle East conflict and Strait of Hormuz disruption. By May 2026 it climbed further to AED 3.55 per litre. For a resident filling up a mid-size SUV three times a month, that is now AED 750–1,000 in fuel spend per month, up from around AED 550–650 just two months prior.
Most people still pay at the pump without earning anything back. The right credit card changes that materially — a 10% cashback card on AED 900/month fuel spend returns AED 90 every month, or over AED 1,000 a year.
This guide covers the top UAE credit cards for fuel spending in 2026, how their cashback rates compare, and what conditions to watch for before choosing one. You can also compare all fuel cashback cards on Kredit or use the calculator to see what each card pays back on your actual monthly spend.
UAE Fuel Station Networks
The two main fuel networks in the UAE are ADNOC (the Abu Dhabi National Oil Company, the dominant network across Abu Dhabi and most of the UAE) and ENOC/EPPCO (Emirates National Oil Company, primarily in Dubai). Some credit cards earn at a higher rate specifically at ADNOC stations; others earn the same rate everywhere.
Top Credit Cards for Fuel in the UAE
Emirates Islamic RTA Credit Card
The Emirates Islamic RTA Credit Card offers 10% cashback on fuel at any petrol station in the UAE — the highest fuel rate on a free card. It also earns 10% on RTA transport payments (metro, bus), 2.25% on all other retail, and 0.3% on government, utilities, and education. No annual fee. Minimum salary AED 5,000.
Note two conditions: a minimum spend of AED 1,000 per month is required to earn any cashback (effective March 2025), and the fuel cashback is capped at AED 75 per month. This card works at any UAE petrol station, not just ADNOC.
- Fuel cashback: 10% — cap AED 75/month — requires AED 1,000/month total spend
- Annual fee: Free
- Minimum salary: AED 5,000
View Emirates Islamic RTA Card details
Emirates Islamic Switch Cashback Credit Card
The Emirates Islamic Switch Cashback Credit Card earns 8% cashback on domestic fuel in Lifestyle mode — the highest rate of any UAE credit card for fuel. The catch: fuel cashback is only available when the card is set to Lifestyle mode (not Travel mode) via the EI+ app, the cap is AED 100 per month, and a minimum spend of AED 2,500 per month is required to earn any accelerated rate. The card fee is AED 313.95/year, waived in year one and waived in subsequent years with AED 30,000 annual spend.
If you spend around AED 1,250 per month on fuel, the AED 100 cap is hit quickly — making this card better for drivers who reach the cap and also spend on dining and supermarkets (which also earn 4% in Lifestyle mode).
- Fuel cashback: 8% (Lifestyle mode only) — cap AED 100/month
- Min spend to unlock: AED 2,500/month total
- Annual fee: AED 313.95 (first year free, waived with AED 30K annual spend)
- Minimum salary: AED 5,000
View Emirates Islamic Switch details
FAB ADNOC Rewards Credit Card
The FAB ADNOC Rewards Credit Card earns 15% back on ADNOC fuel spending in ADNOC Rewards points (150 points per AED 1 spent at ADNOC). The equivalent cashback value is 15%, capped at AED 150 per month on fuel. Unlocking this rate requires a minimum total monthly spend of AED 3,000.
Beyond fuel, it earns 3% back on Salik, DARB, and Mawaqif parking; 2% on international spending; and 1% on other UAE retail (each with their own caps and minimum spend conditions). The welcome bonus is 300,000 ADNOC points (worth AED 300) credited after paying the annual fee. It also includes ADNOC Gold Membership in year one (50% off coffee and bakery at ADNOC Oasis, 35% off carwash vouchers) and airport lounge access via Mastercard Travel Pass.
This card is open to all UAE residents — not just ADNOC employees. The employee-only variant is the FAB ADNOC Cashback Credit Card, which also earns 15% but as direct cashback rather than points. Browse all ADNOC credit cards on Kredit.
- Fuel cashback: 15% (ADNOC stations only) — cap AED 150/month — requires AED 3,000/month total spend
- Annual fee: AED 315
- Minimum salary: AED 5,000
View FAB ADNOC Rewards details
HSBC Live+ Credit Card
The HSBC Live+ Credit Card earns 5% cashback on fuel, capped at AED 200 per month — the highest per-category cap among the mid-tier cashback cards listed here. It also earns 6% on dining (cap AED 200) and is strong for combined fuel + dining spenders. The annual fee is AED 750, waived in year one. Welcome bonus is an AED 800 Amazon gift card (conditions apply).
- Fuel cashback: 5% — cap AED 200/month
- Annual fee: AED 750 (first year free)
- Minimum salary: AED 5,000
Dubai First Cashback Credit Card
The Dubai First Cashback Credit Card earns 5% cashback on fuel at any petrol station — no ADNOC restriction. The same 5% rate applies to dining and supermarkets, with each category capped at AED 150 per month. Cashback is credited instantly to the account. No minimum spend requirement to earn the fuel rate.
- Fuel cashback: 5% (any station) — cap AED 150/month
- Annual fee: AED 399
- Minimum salary: AED 5,000
View Dubai First Cashback details
ADIB Cashback Covered Credit Card
The ADIB Cashback Covered Credit Card earns 4% cashback on fuel and automobile spending, capped at AED 300 per month on fuel — the highest per-category cap among Islamic cards in this list. It also earns 4% on groceries (cap AED 300), dining (cap AED 200), education (cap AED 300), and utilities (cap AED 100). Global cashback cap is AED 1,000 per month. Annual fee AED 99. No minimum spend requirement stated.
- Fuel cashback: 4% — cap AED 300/month
- Annual fee: AED 99
- Minimum salary: AED 5,000
- Islamic card: Yes (Sharia-compliant)
View ADIB Cashback Covered details
DIB Consumer Cashback Platinum Credit Card
The DIB Consumer Cashback Platinum Credit Card earns 4% cashback on fuel, capped at AED 150 per month. The same 4% rate covers groceries, education, utilities, and telecom (each with their own caps). The fuel rate requires a minimum AED 4,000 total monthly retail spend — if you don't hit that threshold, no cashback is earned in any category. It is a Sharia-compliant Islamic card. Minimum salary AED 15,000.
- Fuel cashback: 4% — cap AED 150/month — requires AED 4,000/month total spend
- Annual fee: AED 261.45
- Minimum salary: AED 15,000
- Islamic card: Yes (Sharia-compliant)
View DIB Consumer Cashback Platinum details
Tabby Card (Tabby+)
The Tabby Card lets you choose fuel as one of three monthly cashback categories — selected from a list of 11 options including grocery, dining, pharmacy, taxi, education, and others — earning 5% back on fuel when selected. Categories are picked each month via the Tabby app and can be changed monthly. The combined cap across all three chosen categories is AED 200 per month. Requires Tabby+ subscription at AED 49/month (first month free). No minimum salary requirement. Works at any UAE petrol station.
- Fuel cashback: 5% (if fuel selected as a category) — cap AED 200/month across all 3 selected categories
- Monthly fee: AED 49 (Tabby+, first month free)
- Minimum salary: None
ADCB 365 Cashback Credit Card
The ADCB 365 Cashback Credit Card currently earns 3% cashback on fuel, with the rate rising to 5% from July 2026 as part of a wider category restructure. At the same time, the grocery rate drops from 5% to 3% and a new 5% tier for digital subscriptions launches. The minimum monthly spend to unlock accelerated rates is AED 2,500. Annual fee AED 383.25, minimum salary AED 8,000.
If you primarily want fuel cashback, the July 2026 update makes this card notably more competitive.
- Fuel cashback: 3% now, rising to 5% from July 2026 — requires AED 2,500/month total spend
- Annual fee: AED 383.25
- Minimum salary: AED 8,000
Comparison Table
Use the calculator to model these cards against your actual monthly spend pattern.
| Card | Fuel Rate | Monthly Cap | Min. Spend Req. | Annual Fee | Min. Salary |
|---|---|---|---|---|---|
Emirates Islamic RTA | 10% | AED 75 | AED 1,000/month | Free | AED 5,000 |
Emirates Islamic Switch (Lifestyle mode) | 8% | AED 100 | AED 2,500/month | AED 313.95 (first year free) | AED 5,000 |
FAB ADNOC Rewards (ADNOC only) | 15% | AED 150 | AED 3,000/month | AED 315 | AED 5,000 |
HSBC Live+ | 5% | AED 200 | None stated | AED 750 (first year free) | AED 5,000 |
Dubai First Cashback (any station) | 5% | AED 150 | None | AED 399 | AED 5,000 |
ADIB Cashback Covered (Islamic) | 4% | AED 300 | None stated | AED 99 | AED 5,000 |
DIB Consumer Cashback Platinum (Islamic) | 4% | AED 150 | AED 4,000/month | AED 261.45 | AED 15,000 |
Tabby Card (Tabby+, fuel selected) | 5% | AED 200 (combined) | None | AED 49/month | None |
ADCB 365 (3% now → 5% from Jul 2026) | 3% → 5% | Not stated | AED 2,500/month | AED 383.25 | AED 8,000 |
| Card | Fuel Rate | Monthly Cap | Min. Spend Req. | Annual Fee | Min. Salary |
|---|---|---|---|---|---|
Emirates Islamic RTA | 10% | AED 75 | AED 1,000/month | Free | AED 5,000 |
Emirates Islamic Switch (Lifestyle mode) | 8% | AED 100 | AED 2,500/month | AED 313.95 (first year free) | AED 5,000 |
FAB ADNOC Rewards (ADNOC only) | 15% | AED 150 | AED 3,000/month | AED 315 | AED 5,000 |
HSBC Live+ | 5% | AED 200 | None stated | AED 750 (first year free) | AED 5,000 |
Dubai First Cashback (any station) | 5% | AED 150 | None | AED 399 | AED 5,000 |
ADIB Cashback Covered (Islamic) | 4% | AED 300 | None stated | AED 99 | AED 5,000 |
DIB Consumer Cashback Platinum (Islamic) | 4% | AED 150 | AED 4,000/month | AED 261.45 | AED 15,000 |
Tabby Card (Tabby+, fuel selected) | 5% | AED 200 (combined) | None | AED 49/month | None |
ADCB 365 (3% now → 5% from Jul 2026) | 3% → 5% | Not stated | AED 2,500/month | AED 383.25 | AED 8,000 |
How to Choose
If you fill up primarily at ADNOC stations: The FAB ADNOC Rewards Card gives the highest ADNOC-specific rate at 15%, plus Salik and parking rewards. Requires AED 3,000/month total spend and AED 315/year fee.
If you want the highest free-card rate at any station: The Emirates Islamic RTA Card gives 10% on fuel with no annual fee (cap AED 75/month, requires AED 1,000/month spend).
If you want the highest absolute rate (and hit the cap quickly): The Emirates Islamic Switch Card in Lifestyle mode earns 8%, but the AED 100/month cap limits the value at higher spend levels.
If you prefer flexible fuel + everyday cashback at any station: The Dubai First Cashback Card (5%, any station, instant cashback) or HSBC Live+ (5%, AED 200 cap, higher for dining spenders).
If you need a Sharia-compliant card: ADIB Cashback Covered (4%, AED 300 cap, AED 99/year, no min spend) or DIB Consumer Cashback Platinum (4%, requires AED 4,000 monthly spend, min salary AED 15,000).
If you have no minimum salary requirement: The Tabby Card is the only option here with no minimum salary, earning 5% when fuel is selected.
Kredit provides informational content only and does not offer financial advice. We do not guarantee accuracy and recommend consulting a licensed financial professional before making decisions.
