FinShark Logo
    Find My Card
    FinShark Logo
    Find My Card
    Home Credit Cards First Abu Dhabi Bank
    FAB ADNOC Rewards Credit Card card image
    First Abu Dhabi Bank · Lifestyle

    FAB ADNOC Rewards Credit Card

    Get up to 15% back on eligible spending at ADNOC service stations.

    Min. salary
    AED 5,000
    Annual fee
    AED 300
    Fee waiver
    Available
    Primary rewards
    Reward Points

    Get 3% back on eligible Salik, DARB and Mawaqif spending.

    Welcome Offer
    AED 300 welcome bonus
    Get 300,000 ADNOC Rewards Points worth AED 300 after paying the annual membership fee and receiving your second statement.

    Overview

    The FAB ADNOC Rewards Credit Card is designed for drivers who regularly spend at ADNOC and want extra rewards on fuel, road payments and everyday purchases.

    • Get up to 15% back at eligible ADNOC service stations, including fuel.
    • Get 3% back on eligible Salik, DARB and Mawaqif spending.
    • Get 1% back on eligible supermarket and grocery purchases.
    • Get 2% back on eligible international and non-AED spending.
    • Earn ADNOC Rewards Points on other eligible everyday purchases.
    • Get a AED 300 welcome bonus in ADNOC Rewards Points under the current offer.
    • Fast-track to ADNOC Rewards Gold membership during the current promotional period.
    • Enjoy airport lounge access, cinema offers and Mastercard lifestyle benefits.

    Rewards structure

    150 ADNOC Rewards Points per AED 1 at eligible ADNOC service stations, equivalent to 15% value back, with a monthly cap of 150,000 Points.
    30 ADNOC Rewards Points per AED 1 on eligible Salik, DARB and Mawaqif spending, equivalent to 3% value back, with a monthly cap of 100,000 Points.
    10 ADNOC Rewards Points per AED 1 on eligible supermarket and grocery spending, equivalent to 1% value back, with a monthly cap of 100,000 Points.
    20 ADNOC Rewards Points per AED 1 on eligible international and non-AED retail spending, equivalent to 2% value back.
    10 ADNOC Rewards Points per AED 1 on other eligible domestic retail spending, equivalent to 1% value back.
    1.5 ADNOC Rewards Points per AED 1 on selected categories, equivalent to 0.15% value back.
    A minimum spend of AED 3,000 in the previous calendar month is required for enhanced rewards at ADNOC stations, Salik, DARB, Mawaqif, supermarkets and groceries.
    Total ADNOC Rewards earning is capped at 1,000,000 Points per month across eligible card spending, excluding the welcome bonus.

    Benefits

    15% Back at ADNOC

    Earn 150 ADNOC Rewards Points per AED 1 at eligible ADNOC service stations, including fuel, after meeting the monthly spend requirement. Maximum earning is 150,000 Points per month.

    AED 300 Welcome Bonus

    Get 300,000 ADNOC Rewards Points worth AED 300 after paying the annual membership fee and receiving your second statement under the current offer.

    Salik, DARB & Mawaqif

    Earn 30 ADNOC Rewards Points per AED 1 on eligible Salik, DARB and Mawaqif spending after meeting the monthly spend requirement.

    ADNOC Rewards Gold

    Fast-track to ADNOC Rewards Gold membership during the current promotional period, subject to ADNOC Rewards programme conditions.

    Gold Member Discounts

    Gold membership includes benefits such as 50% off selected coffee and bakery items, 35% off eligible carwash vouchers and 12% off selected lube bundle vouchers.

    Grocery Rewards

    Get 1% value back in ADNOC Rewards Points on eligible supermarket and grocery spending after meeting the AED 3,000 previous-month spend requirement.

    International Spending

    Get 2% value back in ADNOC Rewards Points on eligible retail purchases made in currencies other than AED.

    Everyday Spending

    Get 1% value back in ADNOC Rewards Points on other eligible domestic retail spending.

    Airport Lounge Access

    Get complimentary access to more than 1,300 participating airport lounges across 135 countries after meeting the applicable Mastercard spend requirement.

    Cinema Tickets

    Get two eligible cinema tickets per month for AED 20 each at participating Reel Cinemas and Cine Royal locations, plus 20% off eligible food and drinks.

    Mastercard Benefits

    Access selected travel, hotel, shopping, lifestyle and insurance benefits available with the FAB ADNOC Rewards World Mastercard.

    Rewards, discounts, lounge access and other benefits are subject to FAB, ADNOC Rewards, Mastercard and participating merchant terms. Minimum spend requirements, monthly caps and merchant-category eligibility apply.

    Fees and key details

    Minimum salaryAED 5,000
    Annual feeAED 300
    Fee waiver / annual fee noteWaived from year 2 with AED 48,000+ eligible annual retail spend
    Welcome offerAED 300 welcome bonus

    Basic eligibility

    Minimum monthly salaryAED 5,000
    ResidencyUAE Resident Required
    EmploymentSalaried and Self-employed

    Eligibility, credit limit and approval are determined by FAB and are subject to the bank's credit assessment, policies and applicable terms and conditions.

    Documents you may need

    The issuer may request documents to verify your identity, residency, employment and income.

    Emirates ID

    Valid passport

    Valid UAE residence visa

    Salary certificate or recent bank statements

    Trade licence or business documents, for self-employed applicants

    Any additional documents requested by the issuer

    How the process works

    Review the product details

    Understand the available features, fees, eligibility requirements and repayment conditions.

    Check eligibility

    Submit your details and consent to be contacted.

    Discuss the next steps

    The FinShark team or authorised fulfilment partner will explain the relevant process and available information.

    Issuer review

    The issuer assesses the application, supporting documents, income and credit profile before making a final decision.

    Submission of your details does not constitute approval. Final eligibility, terms and approval are determined by the issuer.

    Important information

    Product information is provided for general comparison purposes and may change. Eligibility, fees, rewards, benefits and approval are determined by the card issuer. Terms and conditions apply.

    Frequently asked questions

    What is the minimum salary for the FAB ADNOC Rewards Credit Card?

    FAB states a minimum monthly salary of AED 5,000 for the FAB ADNOC Rewards Credit Card.

    What is the annual fee for the FAB ADNOC Rewards Credit Card?

    The standard annual membership fee is AED 300, excluding applicable VAT.

    What is the welcome offer on the FAB ADNOC Rewards Credit Card?

    Eligible new cardholders can receive 300,000 ADNOC Rewards Points worth AED 300 after paying the annual membership fee and receiving their second statement. The current promotional period runs until 17 December 2026.

    How much can I earn at ADNOC service stations?

    You can earn 150 ADNOC Rewards Points per AED 1 on eligible ADNOC service-station spending, equivalent to 15% value back, after meeting the applicable monthly spend requirement.

    Is there a monthly cap on ADNOC fuel rewards?

    Yes. Earning at eligible ADNOC service stations is capped at 150,000 ADNOC Rewards Points per month.

    How much do I earn on Salik, DARB and Mawaqif?

    You can earn 30 ADNOC Rewards Points per AED 1 on eligible Salik, DARB and Mawaqif transactions, equivalent to 3% value back.

    Is there a spending requirement for the higher reward rates?

    Yes. You must spend at least AED 3,000 in the previous calendar month to earn rewards in the ADNOC station, Salik, DARB, Mawaqif, supermarket and grocery categories.

    What happens if I do not spend AED 3,000 in the previous month?

    FAB states that no ADNOC Rewards Points will be awarded in the enhanced ADNOC station, Salik, DARB, Mawaqif, supermarket and grocery categories for that month.

    How much do I earn on grocery spending?

    Eligible supermarket and grocery transactions earn 10 ADNOC Rewards Points per AED 1, equivalent to 1% value back, after meeting the monthly spend requirement.

    How much do I earn on international spending?

    Eligible international and non-AED retail transactions earn 20 ADNOC Rewards Points per AED 1, equivalent to 2% value back.

    What is the maximum number of ADNOC Rewards Points I can earn each month?

    Total card-spend rewards are capped at 1,000,000 ADNOC Rewards Points per month, excluding the welcome bonus. Individual reward categories may have lower caps.

    Does the FAB ADNOC Rewards Credit Card include Gold membership?

    During the current promotional period, eligible cardholders can fast-track to ADNOC Rewards Gold membership, subject to ADNOC Rewards programme conditions.

    What benefits come with ADNOC Rewards Gold membership?

    FAB highlights benefits including 50% off selected coffee and bakery items, 35% off eligible carwash vouchers and 12% off selected lube bundle vouchers, subject to ADNOC Rewards terms.

    Does the FAB ADNOC Rewards Credit Card include airport lounge access?

    Yes. FAB advertises complimentary access to more than 1,300 participating airport lounges in 135 countries after meeting the applicable Mastercard spend requirement.

    Does the card offer cinema benefits?

    Yes. Eligible cardholders can get two participating cinema tickets per month for AED 20 each at Reel Cinemas and Cine Royal, plus an eligible 20% food and beverage discount.

    Can the annual fee be waived?

    Yes. From the second year, FAB states that the AED 300 annual membership fee can be waived when eligible retail purchases total at least AED 48,000 during the previous 12 months.

    Do I need an ADNOC Rewards account?

    Yes. Your card must be linked to an ADNOC Rewards membership. If you are not already a member, FAB's terms state that you should register through the ADNOC app and use your membership ID when applying.

    What documents should I have ready when applying?

    FAB's digital credit-card application asks applicants to have a physical or digital Emirates ID and their bank IBAN ready. FAB may request additional information or documents during assessment.

    Why this card may suit you

    You regularly refuel or spend at ADNOC service stations.

    You frequently pay Salik, DARB or Mawaqif charges.

    You want ADNOC Rewards Points instead of airline miles or general bank rewards.

    You spend at least AED 3,000 per month and can unlock the higher fuel, toll and grocery earning rates.

    You want additional rewards on international and everyday spending.

    Check your eligibility

    Share your details and our team will help you understand the available next steps.

    +971
    I agree that FinShark may share my details with relevant partners and financial institutions for follow-up regarding my enquiry. I accept the Terms and Privacy Policy.

    Helpful credit card guides

    Explore practical FinShark guides related to this card's rewards and benefits.