Everyday buys with more rewards
Cardholders earn 15% value back on fuel, car care and Oasis by ADNOC convenience stores, giving consumers savings each time they visit the UAE’s largest fuel and mobility network. Rewards can be redeemed for fuel, EV charging, car services, convenience items and offers from more than 120 brands through the ADNOC App.
The card also offers 3% value back on parking and toll payments, 1% on domestic shopping including groceries, and 2% back on international spending at any Mastercard-accepting merchant. Members automatically receive ADNOC Rewards Gold Tier status, unlocking enhanced benefits and exclusive privileges through the platform.
FAB said the collaboration creates more ways for people to get value in their day-to-day spending. Futoon Hamdan Al Mazrouei, Group Head of Personal, Wealth, Business Banking and Privileged Client Group, said: “This new co-branded credit card… is more than just a payment tool; it’s a platform for everyday value.”
She said combining FAB’s financial expertise with ADNOC’s retail reach and Mastercard’s global network enables “a unique product that rewards everyday spending while supporting smarter, more seamless mobility experiences.”
Travel insurance, airport lounge access
Through the ADNOC App, users can access offers across lifestyle, dining and travel, and convert points with other major loyalty programmes, including e& Smiles, Shukran and Etihad Guest Miles.
Mastercard highlighted the partnership as a continuation of its long presence in the market. J.K. Khalil, EVP and Division President for East Arabia, said the company aims to “enhance the customer experience through meaningful collaborations,” calling the launch a new milestone in its relationship with FAB.
As part of the World Mastercard tier, the card includes travel insurance, airport lounge access and experiences available through priceless.com. Additional benefits include savings on hotels, car rentals and discounts on Carrefour online, Talabat deliveries and Shahid VIP.
Demand for loyalty, mobility benefits
The new credit card builds on the scale of ADNOC Rewards, which now has more than 2.5 million members and has recorded 17% year-on-year growth. ADNOC Distribution describes the programme as the UAE’s largest mobility and convenience retail loyalty platform, with points redeemable for fuel, EV charging through E2GO, Oasis by ADNOC products and essential car services.
With the introduction of the ADNOC Rewards Credit Card, the three partners aim to give people wider access to savings during everyday travel, commuting and shopping, while creating a long-term collaboration across mobility, payments and financial services.
Justin is a personal finance author and seasoned business journalist with over a decade of experience. He makes it his mission to break down complex financial topics and make them clear, relatable, and relevant—helping everyday readers navigate today’s economy with confidence.
Before returning to his Middle Eastern roots, where he was born and raised, Justin worked as a Business Correspondent at Reuters, reporting on equities and economic trends across both the Middle East and Asia-Pacific regions.