ADNOC MCC in the UAE
ADNOC outlets use MCC 5541, Service Stations ( with or without ancillary services), which Kredit reads as fuel spending. Kredit has verified that code from real transaction data.
Codes ADNOC uses
- MCC 5541 · Service Stations ( with or without ancillary services)
Every ADNOC outlet uses this code, which Kredit reads as fuel spending.
Why the MCC decides your reward at ADNOC
The reward a card pays at ADNOC depends on the merchant category code, not on what the shop sells. The code is a four-digit number the outlet's payment provider assigns, and your bank reads it to decide whether a payment counts as fuel spending or as general spend.
ADNOC outlets post under MCC 5541, Service Stations ( with or without ancillary services). A card with a higher rate on fuel spending earns it there. A card whose bonus category is something else pays its base rate on the same purchase.
The code appears on your statement only after the payment posts, when the card is already chosen. Checking the outlet first moves that decision to before you pay.
The codes that most often catch UAE cardholders out are in our guide to MCC code issues.
Which card earns most at ADNOC
At a ADNOC outlet verified under MCC 5541, UAB Platinum Credit Card earns up to 5.00%, capped at AED 500 / month. Modeled on AED 5,000 monthly spend; the cards you hold change the answer.
UNITED ARAB BANK (UAB)
UAB Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Up to 5% cashback on groceries and fuel
- 100% cashback on eligible video streaming within AED 500 monthly cap
MASHREQ BANK
Mashreq Platinum Plus Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 313.95
- 10 points/AED on everyday categories
- 4 lounge visits/year
Shopping at ADNOC?
Best credit cards for ADNOC
Compare the UAE credit cards that earn most on ADNOC spending.
How to check a ADNOC outlet's code before you pay
- 01
Find the outlet
Open Kredit Nearby and search for ADNOC, or use your location to see the outlets around you.
- 02
Confirm the branch
Outlets of one brand can carry different codes, so pick the ADNOC branch you are paying at.
- 03
Read the result
Nearby shows the outlet's code, whether Kredit has verified it, and the card in your wallet that earns most there.
At a ADNOC till?
Find the best card nearby
Kredit Nearby shows the code at the outlet in front of you and the card in your wallet that earns most there. New to MCCs? Read how to check a merchant’s MCC before you pay.
ADNOC MCC questions
What code ADNOC uses, why outlets can differ, and which card to use.