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Co-brand rewards
First Abu Dhabi Bank
ADNOC Rewards Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 315
Monthly rate
3.99%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
59.9%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 315
- Fee note
- No standard waiver
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome bonus: 300,000 ADNOC Rewards points (worth AED 300) when you sign up for a new card and pay the annual fee
- 15% back at ADNOC service stations including fuel (150 ADNOC Rewards points per AED 1); minimum spend AED 3,000/month, max fuel earning AED 150/month
- 3% back on Salik, DARB and Mawaqif (30 ADNOC points per AED 1); min spend AED 3,000/month, max 100,000 points (worth AED 100)/month
- 1% back in ADNOC points on UAE dirham spending (10 points per AED 1); 2% back on international/non-AED spending; max earning on all spending AED 1,000/month
- 1% back on grocery and supermarket spending (min AED 3,000/month, max AED 100/month); 0.15% on select categories (government, utilities, insurance, education etc.)
- Free access to over 1,300 airport lounges in 135 countries when you spend USD 1 on the card
- Fast track to ADNOC Rewards Gold Membership during the first year (50% off coffee and bakery items, 35% off carwash vouchers, 12% off lube bundles)
- Two cinema tickets per month for AED 20 at Reel Cinemas and Cine Royale, plus 20% off food and drinks
- Mastercard World travel, hotel, lifestyle, shopping and insurance benefits
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.