Lifestyle
Merchant
Flow Kitchen
Highest cashback on meals.
Valid until 8 Oct 2026
- Joining Fee
- Free
- Annual Fee
- AED 315
- Minimum Salary
- AED 5,000
FAB ADNOC Rewards Credit Card
Fuel your drive with rewards.
Updated Sep 2026
≈ AED 8,856 potential value / year
At a glance
Welcome offer
Welcome bonus
AED 300 Welcome Bonus
Rewards
| Category | Under AED 3,000 | AED 3,000+ |
|---|---|---|
International Capped at 1,000,000 points a month | 2% 20 points per AED | 2% 20 points per AED |
Education, Equipment Rental +6 more Capped at 1,000,000 points a month each | 0.15% 1.5 points per AED | 0.15% 1.5 points per AED |
All other spend Capped at 1,000,000 points a month | 1% 10 points per AED | 1% 10 points per AED |
| Category | Under AED 3,000 | AED 3,000+ |
|---|---|---|
International Capped at 1,000,000 points a month | 2% 20 points per AED | 2% 20 points per AED |
Education, Equipment Rental +6 more Capped at 1,000,000 points a month each | 0.15% 1.5 points per AED | 0.15% 1.5 points per AED |
All other spend Capped at 1,000,000 points a month | 1% 10 points per AED | 1% 10 points per AED |
Tiers are total monthly spend on the card. Total rewards capped at 1,000,000 points a month
Fees and eligibility
Joining FeeFree
Annual Fee
AED 315
Minimum SalaryAED 5,000
Monthly Interest Rate
3.99%
Welcome offer
AED 300 Welcome Bonus
Earn 300,000 ADNOC Rewards points (worth AED 300) after paying the annual fee on a card issued by 17 December 2026.
For cards issued from 18 December 2025 to 17 December 2026, the AED 300 bonus is credited after the annual membership fee is paid and the second statement is issued. FAB and ADNOC staff are ineligible. No minimum spend is specified.
See full breakdownRewards
15%
back on ADNOC spending including fuel.
Requires AED 3,000 spend in the previous calendar month. Max 150,000 ADNOC points (AED 150) per month at ADNOC stations, including fuel.
See full breakdown3%
back on SALIK, DARB and Mawaqif.
Requires AED 3,000 spend in the previous calendar month. Max 100,000 ADNOC points (AED 100) per month.
See full breakdown2%
back on international spending.
Earn 20 ADNOC points per AED 1 of eligible non-AED retail spend, within the card's aggregate 1,000,000-point monthly cap.
See full breakdown1%
back on UAE dirham spending.
Earn 10 ADNOC points per AED 1 of eligible UAE-dirham retail spend, within the card's aggregate 1,000,000-point monthly cap.
See full breakdown1%
back on groceries and supermarkets.
Requires AED 3,000 spend in the previous calendar month. Max 100,000 ADNOC points (AED 100) per month.
See full breakdown0.15%
back on selected merchants including government, utilities, insurance, education and others.
Selected eligible categories earn 1.5 ADNOC points per AED 1, within the card's aggregate 1,000,000-point monthly cap. Charitable donations and cash-like transactions earn no points.
See full breakdownRewards Calculator
My Cards
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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.
October 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.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Offers
See all 162View offer
Lifestyle
Merchant
Frevo
Cashback on Brazilian dishes.
Valid until 8 Oct 2026
Lifestyle
Merchant
Mashrabiya Lounge
Cashback on international cuisines.
Valid until 8 Oct 2026
Lifestyle
Merchant
Seagrill Bistro
Cashback on Mediterranean meals.
Valid until 8 Oct 2026
Additional Benefits
ADNOC Rewards Gold Membership
Promotional Gold-tier enrollment for eligible cardholders through 17 December 2026.
Eligible cardholders may receive promotional ADNOC Rewards Gold enrollment through 17 December 2026, subject to ADNOC Distribution approval. Tier maintenance and benefits follow ADNOC Rewards terms.
Global Airport Lounge Access
Get free airport lounge access in over 1,300 airport lounges in 135 countries.
Access over 1,300 airport lounges in 135 countries through Mastercard Travel Pass after a qualifying USD 1 card spend.
See full breakdownMovie Tickets from AED 20
Get two cinema tickets every month for AED 20 each at Reel, Cine Royal or Star Cinemas after AED 3,000 monthly spend.
Get two standard 2D tickets monthly at AED 20 each at Reel, Cine Royal or Star Cinemas after AED 3,000 monthly spend. If you miss the target, FAB charges the full ticket price on the next statement.
Fees
Free
Joining Fee
315AED
Annual Fee
Waived from the second year if eligible retail purchases total AED 48,000 or more in the prior 12 months.
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) or Z Card (bank charges).
Late PaymentAED 241.5*
*Charged if the minimum payment is not received by the due date.
Over-LimitAED 303.18*
*Charged when the outstanding balance exceeds the approved credit limit.
Card ReplacementAED 25*
*Reduced from AED 78.75 to AED 25 effective 20 August 2026.
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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- Salary: AED 8,000+
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