Lifestyle
Merchant
The Bicester Collection
Exclusive shopping benefits and savings
Valid until 31 Aug 2026
FAB ADNOC Rewards Credit Card
Fuel your drive with rewards. Enjoy ADNOC points on fuel, parking, tolls and more with great benefits at ADNOC service stations.
Updated Dec 2025
≈ AED 2,513 value / year · incl. perks
Welcome offer
AED 300 Welcome Bonus
Earn 300,000 ADNOC Rewards points (worth AED 300) when you sign up for a new credit card and pay the annual fee.
The welcome bonus is credited to your account after you pay the annual fee. This is a guaranteed bonus, not subject to minimum spending requirements.
See full breakdownRewards
15%
back on ADNOC spending including fuel.
Requires AED 3,000 monthly spend. Max 150,000 ADNOC points (AED 150) per month on fuel.
See full breakdown3%
back on SALIK, DARB and Mawaqif.
Requires AED 3,000 monthly spend. Max 100,000 ADNOC points (AED 100) per month.
See full breakdown2%
back on international spending.
Requires AED 1,000 monthly spend. Max 20,000 ADNOC points (AED 20) per month.
See full breakdown1%
back on UAE dirham spending.
Requires AED 1,000 monthly spend. Max 10,000 ADNOC points (AED 10) per month.
See full breakdown1%
back on groceries and supermarkets.
Requires AED 3,000 monthly spend. Max 100,000 ADNOC points (AED 100) per month.
See full breakdown0.15%
back on selected merchants including government, utilities, insurance, education and others.
Requires AED 1,000 monthly spend. Max 15,000 ADNOC points (AED 1.5) per month.
See full breakdownRewards Calculator
Eligibility
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Offers
See all 144View offer
Lifestyle
Merchant
Dubai Parks and Resorts
20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Lifestyle
Merchant
Dubai Parks and Resorts
Enjoy a 20% discount on entry tickets
Valid until 15 Sep 2026
Additional Benefits
ADNOC Rewards Gold Membership
Fast track to an ADNOC Rewards Gold Membership during the first year of card issuance.
Get an ADNOC Rewards Gold Membership during the first year of card issuance. This gives you a 50% discount on coffee and bakery items, 35% discount on carwash vouchers and a 12% discount on lube bundle package vouchers, plus other great benefits.
Global Airport Lounge Access
Get free airport lounge access in over 1,300 airport lounges in 135 countries.
Access over 1,300 airport lounges worldwide in 135 countries with the Mastercard Travel Pass app. Enjoy complimentary access to premium lounges at airports around the globe.
See full breakdownMovie Tickets from AED 20
Get two cinema tickets every month for only AED 20 at Reel Cinemas and Cine Royale.
Get two cinema tickets every month for only AED 20 at Reel Cinemas and Cine Royale. Plus, get a 20% discount on food and drinks.
Fees
Free
Joining Fee
315AED
Annual Fee
3.99%
Monthly Interest Rate
3.99% per month. Finance charges apply from the transaction date if the full balance is not settled by the due date.
Cash Advance3.15%*
*3.15% or AED 157.50 per transaction, whichever is higher. Finance charges on the withdrawn amount apply separately from the transaction date.
International Transactions2.61%*
*2.61% of the transaction value plus applicable Visa/Mastercard scheme charges. Not applicable on FAB Travel Card (bank and scheme charges) and Low-Rate Credit Card (bank charges).
Late PaymentAED 241.5*
*Charged if the minimum payment is not received by the due date.
Over-LimitAED 302.4*
*Charged when the outstanding balance exceeds the approved credit limit.
Card ReplacementAED 78.75
Credit Shield Plus1.04%*
*1.04% per month of the outstanding balance. Optional plan — enrolment required.
Wallet Shield0.42%*
*0.42% per month of the outstanding balance. Optional plan — enrolment required.
Accident Insurance0.26%*
*0.26% per month of the outstanding amount or AED 31.40, whichever is higher. Optional plan — enrolment required.
Instalment / Financing Plans3%*
*Up to 3% per month flat rate on booking amount. Easy Buys/ALOC: up to 4% transaction fee on total principal. Rate confirmed at time of booking.
Instalment Cancellation1.05%*
*1.05% of the principal outstanding amount, maximum AED 10,500.
Plan DefermentAED 262.5
Statement ReprintAED 26.25*
*Per statement reprinted.
Sales Draft CopyAED 26.25
Liability LetterAED 52.5
Transaction DisputeAED 105
Outstation ChequeAED 52.5
Returned ChequeAED 220.5
Minimum Payment5%*
*5% of the outstanding balance or AED 100, whichever is higher.
Payment DueFree*
*21–25 days from the statement date.
Frequently Asked Questions
Get answers to common questions about FAB ADNOC Rewards Credit Card credit card
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No Annual Fee for the first year
Free Careem Plus & Noon One for 1 year
20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
No FX fees abroad
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