Rewards
First Abu Dhabi Bank
FAB ADNOC Rewards Credit Card
The FAB ADNOC Rewards Credit Card is a rewards credit card from First Abu Dhabi Bank. It has an annual fee of AED 315, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 315
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
ADNOC Rewards
Material
Plastic
Card highlights
- 15% back at ADNOC stations (fuel), 2% on international spend, 1% on groceries and other UAE retail (min. AED 3,000/month for top rates)
- Fast-track to ADNOC Rewards Gold: 50% off coffee, 35% off carwash, 12% off lube bundle vouchers
- Airport lounge access at 1,300+ lounges in 135 countries via Mastercard Travel Pass
- 2 cinema tickets/month at AED 20 at Reel Cinemas and Cine Royal (min. AED 3,000 spend)
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel | 15% | AED 150 |
| Transport | 3% | AED 100 |
| International spend | 2% | No cap |
| Travel | 1% | No cap |
| Retail | 1% | No cap |
| Supermarket | 1% | AED 100 |
| Dining & food | 1% | No cap |
| Online shopping | 1% | No cap |
| Utilities | 0.15% | No cap |
| Education | 0.15% | No cap |
| Real estate | 0.15% | No cap |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
Current welcome offer
Earn AED 300 in ADNOC Rewards points as a welcome bonus
- Paid as 300,000 ADNOC Rewards points after you pay the annual membership fee and your second statement is issued
- Available on cards issued from 18 December 2025 to 17 December 2026, FAB and ADNOC staff excluded
Expected offer expiry: December 2026
Benefits & perks
- •Airport lounge access at over 1,300 lounges in 135 countries via Mastercard Travel Pass (unlocked by spending USD 1)
- •2 cinema tickets per month at AED 20 each at Reel Cinemas and Cine Royal (with AED 3,000 monthly spend)
- •20% off food and drinks at Reel Cinemas and Cine Royal
- •Fast-track to ADNOC Rewards Gold Membership in the first year
- •50% off coffee and bakery items with ADNOC Rewards Gold Membership
- •35% off carwash vouchers with ADNOC Rewards Gold Membership
- •12% off lube bundle vouchers with ADNOC Rewards Gold Membership
- •Annual fee waived from year two with AED 48,000 annual spend
- •World Mastercard benefits
Every card is checked against official bank sources. Last updated September 2026.
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