PayperWIZ

FAB ADNOC Rewards cashback rate, cap and annual fee

FAB ADNOC Rewards pays 15% on fuel — on the first AED 1,000 you spend on it each month, which is where the AED 150 cap stops it. Nothing at all below AED 3,000 of spending a month — AED 36,000 across a year. The card costs AED 300 a year.

First Abu Dhabi Bank · United Arab Emirates · catalogue v101

Read from First Abu Dhabi Bank's own published terms on 19 Sep 2026.

AED 300Annual fee
AED 3,000Minimum monthly spend
AED 1,000,000Cap across the whole card
15%Best rate

What it pays, by category

SpendingRateMonthly cap
fuel15.00%AED 150reached at AED 1,000 of spendADNOC service stations, including fuel: 150 points a dirham, which the bank calls 15%. Its own ceiling is 150,000 points a month, about AED 150.
government3.00%AED 100reached at AED 3,300 of spendSalik, DARB and Mawaqif: 30 points a dirham, 3%. Ceiling 100,000 points a month.
groceries1.00%AED 100reached at AED 10,000 of spendSupermarkets and groceries: 10 points a dirham, 1%. Ceiling 100,000 points a month.
everything else1.00%—All other retail: 10 points a dirham, 1%. Spending abroad earns double, which this app does not score separately.
A fuel card, and a good one if you drive enough: 15% back at ADNOC stations, 3% on Salik, DARB and Mawaqif, 1% on groceries and on other retail, 2% abroad and 0.15% on the categories the bank selects. ADNOC Reward Points are worth a tenth of a fil each, which the bank states twice -- a thousand points to the dirham in its terms, and a welcome bonus of 300,000 points described as AED 300. Three conditions decide what it is actually worth: the ADNOC rate stops at 150,000 points a month, Salik and groceries at 100,000 each, and the whole card at 1,000,000 points. And nothing at all is earned in a month unless the card spent AED 3,000 the calendar month before. Annual fee AED 300, minimum salary AED 5,000. Source: First Abu Dhabi Bank, FAB ADNOC Rewards Credit Card Terms and Conditions, January 2026, version 1, read 19 Sep 2026.

Questions people ask

What cashback does the FAB ADNOC Rewards pay?

15% on fuel, 3% on government, 1% on groceries and 1% on everything else.

Is there a cap on the FAB ADNOC Rewards?

Yes — AED 1,000,000 a month across the whole card, however you split your spending.

What is the annual fee on the FAB ADNOC Rewards?

AED 300 a year.

Is there a minimum spend on the FAB ADNOC Rewards?

Yes — AED 3,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.

Download on the App Store

Other United Arab Emirates cards read off the issuer