ADNOC Rewards Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.
Year 1 free
What it costs.
- Annual fee
- AED 315
- Fee note
- Year 1 free
- 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 published in the catalogue yet; it is not zero.
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.
What you get.
- 15% back on ADNOC fuel spending (max AED 150/month)
- 3% back on tolls and parking (max AED 100/month)
- 2% on international spending (max AED 20/month)
- 1% on UAE dirham spending (max AED 10/month)
- 1% on groceries (max AED 100/month)
- ADNOC Rewards Gold Membership with discounts
- Airport lounge access in 1,300+ lounges
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.