FAB ADNOC Rewards
FAB ADNOC Rewards is a conventional World Mastercard with a published AED 5,000 monthly salary minimum and AED 315 annual fee including VAT. Its 15% value-back applies to eligible ADNOC stations, capped at AED 150 monthly and gated by AED 3,000 spending in the previous month. Rewards are ADNOC points, not statement cash; per-purchase rounding prevents a reliable forecast from monthly totals.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.5/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge up to 2.74%; scheme charges may apply
Explore all FAB cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 315
- Bank FX charge
- up to 2.74%; scheme fees may apply
- Monthly interest rate
- 3.99%
- Reward programme
- ADNOC Rewards
- Salary transfer required
- No published requirement
AED 315 including VAT in year one. From year two, the renewal fee can be waived after AED 48,000 retail spend in the preceding anniversary year. Staff exemptions are separate; this is not unconditionally free for life.
FAB publishes a minimum monthly salary of AED 5,000. No mandatory salary-transfer requirement is published in the reviewed product sources; confirm the bank’s employer and other application criteria.
A separate joining charge is not established in the reviewed sources and is not assumed to be zero. No annual net-value forecast is shown. The 15% headline applies to eligible ADNOC station purchases, not all fuel.
Cashback or points earning rules, thresholds and caps
Eligible domestic ADNOC stations: 150 points/AED (15% value-back); Salik/DARB/Mawaqif: 30 points/AED (3%); domestic groceries: 10 points/AED (1%). These three categories require AED 3,000 spending in the previous calendar month and earn zero below that gate. Other eligible domestic retail earns 10 points/AED (1%); non-AED retail 20 points/AED (2%); selected domestic categories 1.5 points/AED (0.15%). Each transaction is rounded down to whole-dirham value-back before points are awarded.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible domestic ADNOC stations | 150 points/AED · 15% ADNOC value-back | 150,000 points / AED 150 monthly | AED 3,000 spend in the previous calendar month; zero below gate. ADNOC outlets only. |
| Salik, DARB and Mawaqif combined | 30 points/AED · 3% ADNOC value-back | 100,000 points / AED 100 monthly | AED 3,000 spend in the previous calendar month; zero below gate. |
| Domestic groceries / supermarkets | 10 points/AED · 1% ADNOC value-back | 100,000 points / AED 100 monthly | AED 3,000 spend in the previous calendar month; zero below gate. |
| Other eligible domestic AED retail | 10 points/AED · 1% ADNOC value-back | Shares the overall 1,000,000-point monthly cap | No AED 3,000 category gate; exclusions and per-purchase rounding apply. |
| Eligible non-AED retail | 20 points/AED · 2% ADNOC value-back | Shares the overall 1,000,000-point monthly cap | Determined by transaction currency; FX charges are separate. |
| Selected domestic categories | 1.5 points/AED · 0.15% ADNOC value-back | Shares the overall 1,000,000-point monthly cap | Includes education, utilities, insurance, non-ADNOC fuel and quick-service restaurants; check bank MCCs. |
Why this card has no annual AED forecast
Annual rewards are not estimated: FAB floors each purchase’s calculated AED value-back to a whole dirham. Monthly totals do not reveal that rounding, ADNOC-specific purchases or all merchant codes. For example, an eligible AED 50 purchase at 1% produces zero value-back after rounding. Verified rates below are descriptive, not inputs to an aggregate forecast.
Published earning rates, known fees and bank conditions remain available in this review.
Check FAB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Annual rewards are not estimated: FAB floors each purchase’s calculated AED value-back to a whole dirham. Monthly totals do not reveal that rounding, ADNOC-specific purchases or all merchant codes. For example, an eligible AED 50 purchase at 1% produces zero value-back after rounding. Verified rates below are descriptive, not inputs to an aggregate forecast.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for FAB ADNOC Rewards Credit Card
FAB ADNOC Rewards Credit Card
Dirham Score 3.5/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge up to 2.74%; scheme charges may apply
AED 315 including VAT in year one. From year two, the renewal fee can be waived after AED 48,000 retail spend in the preceding anniversary year. Staff exemptions are separate; this is not unconditionally free for life.
FAB publishes a minimum monthly salary of AED 5,000. No mandatory salary-transfer requirement is published in the reviewed product sources; confirm the bank’s employer and other application criteria.
View breakdown
Credit-limit assumption: at least AED 10,000 is available for this monthly budget. No bank-approved limit is predicted. Enter a limit to test a smaller amount.
Annual rewards are not estimated: FAB floors each purchase’s calculated AED value-back to a whole dirham. Monthly totals do not reveal that rounding, ADNOC-specific purchases or all merchant codes. For example, an eligible AED 50 purchase at 1% produces zero value-back after rounding. Verified rates below are descriptive, not inputs to an aggregate forecast.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB ADNOC Rewards Credit Card review and fee maths
Credit-limit assumption: at least AED 10,000 is available for this monthly budget. No bank-approved limit is predicted. Enter a limit to test a smaller amount.
A separate joining charge is not established in the reviewed sources and is not assumed to be zero. No annual net-value forecast is shown. The 15% headline applies to eligible ADNOC station purchases, not all fuel.
Eligible domestic ADNOC stations: 150 points/AED (15% value-back); Salik/DARB/Mawaqif: 30 points/AED (3%); domestic groceries: 10 points/AED (1%). These three categories require AED 3,000 spending in the previous calendar month and earn zero below that gate. Other eligible domestic retail earns 10 points/AED (1%); non-AED retail 20 points/AED (2%); selected domestic categories 1.5 points/AED (0.15%). Each transaction is rounded down to whole-dirham value-back before points are awarded.
Two standard 2D tickets per month at AED 20 each at eligible Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend. Full price can be charged on the next statement if the spend gate is missed; premium formats excluded. · FAB advertises access to 1,300+ lounges after USD 1 equivalent spending. Confirm activation, qualifying-spend timing, visit allowance and guest charges with FAB; these details are not fully established in the reviewed card sources.
Monthly interest rate: 3.99%. Bank FX charge: up to 2.74%.
Annual rewards are not estimated: FAB floors each purchase’s calculated AED value-back to a whole dirham. Monthly totals do not reveal that rounding, ADNOC-specific purchases or all merchant codes. For example, an eligible AED 50 purchase at 1% produces zero value-back after rounding. Verified rates below are descriptive, not inputs to an aggregate forecast.
The annual fee is AED 315 including VAT. Renewal relief requires AED 48,000 retail spending in the previous anniversary year; it does not waive the ordinary first-year fee.
ADNOC, domestic toll/parking and domestic grocery rewards require AED 3,000 spending in the preceding calendar month. They earn zero if that gate is missed, with no base-rate fallback.
Base domestic, non-AED retail and selected-category earning do not have the same AED 3,000 gate. Non-AED classification takes precedence by currency code.
ADNOC station rewards are capped at 150,000 points per month. Toll/parking and grocery categories each have a 100,000-point cap. Total monthly earning is capped at 1,000,000 points, excluding welcome points.
Calculated AED value-back is rounded down per transaction to a whole dirham; rounding a monthly total would overstate points. Reward earning is also limited to monthly spending up to the assigned credit limit.
Redeem 1,000 points for AED 1 toward eligible ADNOC purchases. Points are not statement cashback, have no minimum redemption balance and expire after two years.
The dated 300,000-point welcome offer requires card issuance by 17 December 2026, annual-fee payment and the second statement. FAB/ADNOC staff are excluded.
Selected reduced categories include education, utilities, insurance, non-ADNOC fuel, real estate and quick-service restaurants. Cash advances, fees, charity and other specified transactions do not earn; read the bank’s complete MCC/MID and exclusion rules.
The current KFS quotes an FX bank charge up to 2.74%, plus an unquantified scheme charge. Borrowing is separately priced at 3.99% monthly; neither is a reward saving.
The cinema allowance requires AED 3,000 monthly spending and eligible standard 2D screenings. Lounge access is conditional; no unlimited visits or free guest allowance is assumed.
Gold ADNOC membership and lifestyle vouchers depend on eligibility, ADNOC approval and the applicable promotion. They have no assigned AED forecast. Normal station loyalty earning is not assumed to stack with credit-card rewards.
Official bank source · checked 2026-10-24FAB ADNOC reward and welcome terms (January 2026)
FAB credit card tariff (July 2026)
Current FAB consolidated key facts statement (September 2026)
Official navy FAB ADNOC World Mastercard artwork, visually verified on 24 October 2026; resized and compressed without cropping or changing the depicted card. Image source
Promotional sign-up booster
300,000 ADNOC Rewards welcome pointsAED 300 of restricted ADNOC redemption value for eligible cards issued in the stated campaign window; annual-fee payment and the second statement are required.
Ends 17 Dec · Card must be issued by 2026-12-17 (UAE date, inclusive)
- Card must be issued between 18 December 2025 and 17 December 2026, inclusive; applying by the final day does not ensure timely issuance.
- Annual fee must be paid and the second statement generated.
- FAB and ADNOC staff are excluded from the welcome offer.
- ADNOC account linkage and the bank’s full eligibility rules apply; points are not statement cash.
Qualifying extra bonus in this forecast: AED 0.
Issuance date, annual-fee payment and second-statement conditions cannot be established from monthly spending totals; welcome value is excluded from the annual forecast.
Official offer termsLounge, cinema, valet and golf conditions
- Airport lounges: FAB advertises access to 1,300+ lounges after USD 1 equivalent spending. Confirm activation, qualifying-spend timing, visit allowance and guest charges with FAB; these details are not fully established in the reviewed card sources.
- Cinema: Two standard 2D tickets per month at AED 20 each at eligible Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend. Full price can be charged on the next statement if the spend gate is missed; premium formats excluded.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The annual fee is AED 315 including VAT. Renewal relief requires AED 48,000 retail spending in the previous anniversary year; it does not waive the ordinary first-year fee.
- ADNOC, domestic toll/parking and domestic grocery rewards require AED 3,000 spending in the preceding calendar month. They earn zero if that gate is missed, with no base-rate fallback.
- Base domestic, non-AED retail and selected-category earning do not have the same AED 3,000 gate. Non-AED classification takes precedence by currency code.
- ADNOC station rewards are capped at 150,000 points per month. Toll/parking and grocery categories each have a 100,000-point cap. Total monthly earning is capped at 1,000,000 points, excluding welcome points.
- Calculated AED value-back is rounded down per transaction to a whole dirham; rounding a monthly total would overstate points. Reward earning is also limited to monthly spending up to the assigned credit limit.
- Redeem 1,000 points for AED 1 toward eligible ADNOC purchases. Points are not statement cashback, have no minimum redemption balance and expire after two years.
- The dated 300,000-point welcome offer requires card issuance by 17 December 2026, annual-fee payment and the second statement. FAB/ADNOC staff are excluded.
- Selected reduced categories include education, utilities, insurance, non-ADNOC fuel, real estate and quick-service restaurants. Cash advances, fees, charity and other specified transactions do not earn; read the bank’s complete MCC/MID and exclusion rules.
- The current KFS quotes an FX bank charge up to 2.74%, plus an unquantified scheme charge. Borrowing is separately priced at 3.99% monthly; neither is a reward saving.
- The cinema allowance requires AED 3,000 monthly spending and eligible standard 2D screenings. Lounge access is conditional; no unlimited visits or free guest allowance is assumed.
- Gold ADNOC membership and lifestyle vouchers depend on eligibility, ADNOC approval and the applicable promotion. They have no assigned AED forecast. Normal station loyalty earning is not assumed to stack with credit-card rewards.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
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Compare FAB ADNOC Rewards Credit Card with CBD Super Saver Visa Signature Credit CardFAB ADNOC Rewards FAQs
What salary do you need for FAB ADNOC Rewards?
The published minimum monthly salary is AED 5,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for FAB ADNOC Rewards?
The listed annual fee is AED 315. AED 315 including VAT in year one. From year two, the renewal fee can be waived after AED 48,000 retail spend in the preceding anniversary year. Staff exemptions are separate; this is not unconditionally free for life.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- FAB ADNOC Rewards Credit Card official product terms
- FAB: FAB ADNOC reward and welcome terms (January 2026)
- FAB: FAB credit card tariff (July 2026)
- FAB: Current FAB consolidated key facts statement (September 2026)
- FAB: FAB cinema terms (May 2026)
- FAB: ADNOC Rewards redemption FAQ
- FAB ADNOC Rewards Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.