ADNOC Rewards Credit Card 15% is at the heart of a new co-branded product from ADNOC Distribution, First Abu Dhabi Bank (FAB) and Mastercard, designed to help UAE residents save more on everyday mobility and shopping. The card launches with what the partners describe as one of the strongest value propositions in the market, offering 15% value back on ADNOC purchases via the ADNOC Rewards programme, alongside additional returns on parking, tolls, groceries and international spending.
15% value back on ADNOC spending
Cardholders earn 15% value back on fuel, car care and Oasis by ADNOC convenience store purchases made across ADNOC Distribution’s nationwide network, effectively turning routine refuelling and car-related expenses into ongoing savings. Accrued rewards can be redeemed through the ADNOC App for fuel, EV charging, car services, in-store items and offers from more than 120 partner brands, giving users flexible ways to offset daily costs.
Beyond ADNOC outlets, the card provides 3% value back on parking and toll payments, 1% on domestic shopping such as groceries, and 2% on international transactions at merchants accepting Mastercard. Customers are automatically upgraded to ADNOC Rewards Gold Tier, unlocking enhanced benefits and exclusive privileges within the loyalty ecosystem.
Everyday value, travel and lifestyle perks
FAB describes the card as more than a payment method, positioning it as a platform that blends financial benefits with mobility and lifestyle rewards. The collaboration combines FAB’s banking capabilities, ADNOC’s retail and mobility footprint, and Mastercard’s global payments network to deliver a product tailored to how people move, commute and manage living costs in the UAE.
Through the ADNOC App, users can also access dining, lifestyle and travel offers and convert their ADNOC Rewards points into other major loyalty currencies, including e& Smiles, Shukran and Etihad Guest Miles. As a World Mastercard, the card layers on benefits such as travel insurance, airport lounge access, experiences via priceless.com, savings on hotels and car rentals, and discounts with partners like Carrefour online, Talabat and Shahid VIP.
Built on ADNOC Rewards scale
The launch builds on the rapid expansion of ADNOC Rewards, which now counts more than 2.5 million members and has grown about 17% year-on-year, making it the UAE’s largest mobility and convenience retail loyalty platform. Points earned through the broader programme can be redeemed for fuel, EV charging through E2GO, Oasis by ADNOC purchases and essential car services, reinforcing the focus on daily mobility savings.
With the ADNOC Rewards Credit Card, ADNOC Distribution, FAB and Mastercard aim to deepen long-term cooperation across mobility, payments and financial services, while giving residents an integrated way to earn value back on commuting, travel and everyday shopping.
Gulf Repost delivers clear, practical coverage of money, mobility and lifestyle trends across the UAE and wider region. From new co‑branded credit cards and loyalty programmes to fuel, EV and transport innovations, Gulf Repost helps readers understand how financial products and everyday spending intersect—so they can make smarter decisions about saving, rewards and daily living in a fast-changing market.
