The minimum monthly salary requirement is AED 5,000.
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.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. FAB ADNOC Rewards Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
July Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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.
Eligibility
5,000AED
Minimum Income
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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4% at malls & Carrefour
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5 FAB Rewards per AED 1 on sports spending
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Up to 15 FAB Rewards per AED spent
Free valet parking 5 times a month across the UAE
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Salary: AED 5,000+
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
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
Salary: AED 25,000+
Annual Fee: AED 1,575
Free flight each year to over 15 destinations
12% cashback on flights and hotel bookings
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FAB Elite Credit Card
Salary: AED 50,000+
Annual Fee: AED 1,200
Up to 20 FAB Rewards on luxury spending
Up to 5 FAB Rewards on all other spending including abroad
Up to 50% off over 100 five-star restaurants in the UAE
FIRST ABU DHABI BANK (FAB)
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Salary: AED 5,000+
No Annual Fee
20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
5 FAB Rewards on online spends
1 FAB Reward on all other spends
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FAB Blue Platinum Credit Card
Salary: AED 8,000+
No Annual Fee
5% Cashback on Al-Futtaim Brands
1% FAB Rewards Cashback
0% Interest Plans
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FAB Cashback Credit Card
Salary: AED 5,000+
Annual Fee: AED 300
5% cashback on fashion, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
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FAB Etihad Guest Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 2,500
Bonus: Up to 200,000 Etihad Guest Miles
7.5 Etihad Miles per AED 10 spent
Fast track to Etihad Gold membership.
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
Salary: AED 8,000+
Annual Fee: AED 500
Welcome Bonus: 10,000 Miles
Earn 4 Etihad Miles per AED 10 spent.
2 free airport transfers/year
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Signature Credit Card
Salary: AED 15,000+
Free First Year, AED 1,500 After
Bonus: Up to 100,000 Etihad Miles
5.5 Etihad Miles per AED 10 spent
Fast track to Etihad Silver membership.
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FAB Manchester City Titanium Credit Card
Salary: AED 5,000+
No Annual Fee
Win trips to Etihad Stadium.
Win Tickets
Special Discounts Available
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Salary: AED 40,000+
No Annual Fee
5% cashback on Al-Futtaim brands
1% cashback on extra spending
Free airport lounge access
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Salary: AED 15,000+
No Annual Fee
5% Cashback on Al-Futtaim Brands
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Salary: AED 5,000+
Annual Fee: AED 300
5% cashback on fuel, dining, groceries
3% cashback on international spends
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Salary: AED 5,000+
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10% cashback on du bills
10% cashback on data packages
10% off du Easy Payment Plans
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Salary: AED 8,000+
Annual Fee: AED 399
10% cashback on bus, canteen, uniform purchases
20% discount Emaar attractions
2% cashback on spending
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Salary: AED 10,000+
Annual Fee: AED 300
Interest Rate: 1.5%
0% Interest on Transfers
3% Minimum Payment Required
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