Best Fuel Cashback Credit Cards in the UAE 2026: ADNOC, ENOC and EPPCO Compared
By Thasmiya
Filling up your car is a regular expense for most UAE motorists.
Whether you commute between Dubai and Sharjah, drive daily to Abu Dhabi or spend weekends travelling across the Emirates, fuel costs can add up over time.
But what if every petrol station visit could help you save money?
Several UAE banks offer credit cards that provide cashback or reward points on fuel purchases, with selected products advertising returns of up to 15%.
However, not every card works the same way.
Some offer higher rewards specifically at ADNOC stations, while others provide cashback on eligible fuel purchases across different petrol station networks.
Minimum spending requirements, monthly cashback limits and annual fees can also affect the amount you actually save.
Here is a practical comparison of fuel cashback credit cards in the UAE for 2026.
## **Best Fuel [Cashback Credit Cards in UAE 2026](https://www.whatmatters.ae/post/best-cashback-credit-cards-uae-2026-compared-category): Quick Comparison**
**Credit Card**
**Advertised Fuel Reward**
**Monthly Fuel Reward Cap**
**Key Condition**
FAB ADNOC Rewards Credit Card
15% value back in ADNOC Rewards points
AED 150
AED 3,000 minimum monthly spend
Emirates Islamic RTA Credit Card
10% cashback
AED 75
AED 1,000 minimum retail spend per statement cycle
DIB Consumer Cashback Reward Card
3% cashback
AED 100
AED 3,000 minimum monthly retail spend
The figures above reflect published product information available in October 2026.
The FAB product awards loyalty points rather than direct cash. The other products also have specific redemption arrangements.
Actual earnings depend on transaction eligibility, spending thresholds and the terms applicable to each card.
## **1\. FAB ADNOC Rewards Credit Card: 15% Value Back at ADNOC**
The FAB ADNOC Rewards Credit Card is a co-branded product introduced by First Abu Dhabi Bank, ADNOC Distribution and Mastercard in December 2025.
It is designed for customers who regularly purchase fuel and other products from ADNOC service stations.
The card advertises 15% value back on eligible ADNOC purchases.
However, the rewards are credited as ADNOC Rewards points rather than cash deposited into a bank account.
### **Key Benefits**
Cardholders can earn:
- 15% value back on eligible ADNOC spending. - 3% value back on qualifying Salik, DARB and Mawaqif transactions. - 1% value back on eligible domestic purchases. - 2% value back on eligible international transactions in foreign currencies. - Access to ADNOC Rewards Gold membership benefits.
The card also includes selected travel and lifestyle privileges.
### **Minimum Spending and Cashback Limits**
To qualify for the advertised 15% fuel reward, customers must meet a minimum monthly spending requirement of AED 3,000.
The maximum monthly fuel reward is AED 150.
This means someone spending AED 1,000 on qualifying ADNOC fuel could potentially earn the full AED 150 fuel-reward value, provided the other spending conditions are satisfied.
However, someone spending AED 2,000 on fuel would still be subject to the same AED 150 monthly fuel cap.
### **What About ENOC and EPPCO?**
The FAB ADNOC card is specifically designed to reward spending within the ADNOC network.
Its published terms classify other fuel spending among categories that may earn a much lower rate.
Therefore, motorists who primarily use ENOC or EPPCO should not assume they will receive the advertised 15% benefit.
### **Who Should Consider It?**
This card may suit motorists who regularly refuel at ADNOC and already spend enough each month to meet the eligibility threshold.
Customers should also consider the annual fee and whether they can make practical use of ADNOC Rewards points.
## **2\. Emirates Islamic RTA Credit Card: 10% Cashback on Fuel**
The Emirates Islamic RTA Credit Card is another option for motorists in the UAE.
Unlike the FAB ADNOC card, its published cashback structure refers to eligible fuel-station spending rather than restricting the headline benefit to a single fuel retailer.
The card offers 10% cashback on qualifying fuel purchases.
### **Key Benefits**
The published rewards include:
- 10% cashback on eligible fuel spending. - 10% cashback on qualifying RTA transport payments. - A monthly cashback cap of AED 75 for fuel. - A separate AED 75 monthly cap for RTA transport payments. - A built-in nol card feature.
The card also offers different reward rates for other domestic and international transactions.
### **Minimum Spending Requirement**
Since March 1, 2025, customers have been required to make at least AED 1,000 in retail purchases per statement cycle to qualify for cashback.
This requirement is important because fuel spending alone may not always be enough to meet the threshold.
### **How Much Can You Save?**
Consider a motorist spending AED 600 on eligible fuel purchases during a month.
At 10%, the potential cashback would be AED 60.
If the same motorist spends AED 1,000 on fuel, the theoretical cashback would be AED 100.
However, because the monthly fuel cashback cap is AED 75, the maximum eligible fuel cashback would be AED 75.
Both examples assume the customer satisfies the card’s minimum spending requirement.
### **Does It Work at ADNOC, ENOC and EPPCO?**
The card’s published terms describe eligible fuel-station transactions rather than naming a specific petrol station chain.
This makes it relevant to motorists who use different fuel retailers.
However, cashback depends on how the transaction is classified by the card network.
Customers should confirm whether their preferred station and payment method qualify.
## **3\. Dubai Islamic Bank Consumer Cashback Reward Card: 3% on Fuel**
Dubai Islamic Bank offers a Consumer Cashback Reward Card designed for everyday spending.
The product includes cashback on fuel, groceries, utility payments and selected other categories.
Its published fuel cashback rate is 3%.
### **Key Benefits**
Eligible spending categories include:
- 3% cashback on fuel. - 3% cashback on supermarket and hypermarket purchases. - 3% cashback on selected utility payments. - 3% cashback on automobile servicing. - 3% cashback on eligible Salik and nol recharges.
Different monthly cashback caps apply to each category.
### **Fuel Cashback Limit**
The maximum fuel cashback is AED 100 per month.
At a 3% reward rate, a customer spending AED 1,000 on eligible fuel purchases would earn AED 30, provided all conditions are met.
The maximum AED 100 fuel cashback would require approximately AED 3,334 in eligible fuel spending.
### **Minimum Salary and Spending Conditions**
The bank lists a minimum monthly salary requirement of AED 5,000.
The published annual fee is AED 200, excluding VAT.
Customers must also make at least AED 3,000 in monthly retail purchases within a statement cycle to qualify for cashback.
This condition is particularly important for motorists who intend to use the card only for fuel.
### **Who Should Consider It?**
The card may be relevant to customers who want rewards across several everyday spending categories rather than focusing exclusively on petrol purchases.
However, the annual fee and monthly spending requirement should be considered when calculating the overall benefit.
## **ADNOC vs ENOC vs EPPCO: Which Offers Better Credit Card Rewards?**
The main difference between the three petrol station networks is how credit card rewards are applied.
ADNOC has a dedicated co-branded credit card offering enhanced rewards within its own network.
ENOC and EPPCO customers can consider bank cards offering cashback on eligible fuel-station transactions.
### **Fuel Station Comparison**
**Fuel Station**
**Relevant Credit Card Option**
**Important Consideration**
ADNOC
FAB ADNOC Rewards Credit Card
Higher advertised rewards, but network-specific conditions
ADNOC
Emirates Islamic RTA Credit Card
General fuel cashback, subject to eligibility
ENOC
Emirates Islamic RTA Credit Card
Fuel-category cashback depends on transaction classification
EPPCO
Emirates Islamic RTA Credit Card
Same fuel-category eligibility considerations
ADNOC, ENOC and EPPCO
DIB Consumer Cashback Reward Card
General fuel-category cashback, subject to terms
There is no single card that is automatically the most rewarding for every driver.
The better choice depends on where you refuel, how much you spend and whether you can meet the card’s conditions.
## **Can You Earn Fuel Loyalty Points and Credit Card Cashback Together?**
Petrol station loyalty programmes provide another way to earn rewards.
ADNOC operates ADNOC Rewards, while ENOC and EPPCO participate in the YES Rewards programme.
These programmes are separate from bank credit card cashback schemes.
To understand how ADNOC's loyalty programme works, read our guide on **[how to redeem ADNOC fuel points in the UAE](https://www.whatmatters.ae/post/redeem-adnoc-fuel-points-uae-falcon-rewards-free)**, including FALCON Rewards, free fuel and membership benefits. ### **ADNOC Rewards**
Customers can earn points on eligible purchases at ADNOC service stations.
Points can be redeemed for selected products, fuel and services according to programme conditions.
### **ENOC and EPPCO YES Rewards**
ENOC Group’s YES Rewards programme allows customers to earn and redeem points across participating ENOC and EPPCO locations.
The programme also covers selected convenience-store and automotive services.
### **Can Rewards Be Combined?**
In some circumstances, customers may be able to collect petrol station loyalty rewards while also earning eligible credit card rewards.
However, this depends on the payment method and the terms of both programmes.
Customers should not assume that every transaction qualifies for both benefits.
## **How Much Could You Save on Petrol Every Month?**
The following examples illustrate potential rewards based on different monthly fuel budgets.
**Monthly Fuel Spending**
**FAB ADNOC Rewards at 15%**
**Emirates Islamic RTA at 10%**
**DIB at 3%**
AED 300
AED 45
AED 30
AED 9
AED 500
AED 75
AED 50
AED 15
AED 750
AED 112.50
AED 75
AED 22.50
AED 1,000
AED 150
AED 75
AED 30
AED 1,500
AED 150
AED 75
AED 45
These figures are illustrative and assume eligible fuel transactions and satisfaction of all minimum spending requirements.
The FAB figures represent ADNOC Rewards point value, not direct cash.
The table also excludes annual fees and other charges.
For a driver spending AED 500 per month on fuel, the advertised percentages could translate into very different rewards.
However, a higher advertised percentage does not necessarily produce better overall value if the cardholder cannot meet the monthly spending requirement.
## **What Should You Check Before Applying for a Fuel Cashback Credit Card?**
Before choosing a card, consider the following factors. If you want to compare cards beyond fuel purchases, explore our guide to the **[best cashback credit cards in the UAE in 2026](https://www.whatmatters.ae/post/best-cashback-credit-cards-uae-2026-top-picks)**, featuring options for groceries, dining, utilities, shopping and travel.
### **1\. Monthly Fuel Spending**
Calculate how much you usually spend on petrol.
A high cashback percentage may offer limited value if the monthly reward cap is relatively low.
### **2\. Minimum Spending Requirement**
Some cards require customers to spend AED 1,000 or AED 3,000 each month before cashback becomes available.
If your normal expenses do not reach the threshold, the advertised reward may not apply.
### **3\. Annual Fees**
An annual fee can reduce the value of cashback earned over the year.
For example, earning AED 300 in annual cashback from a card with an AED 200 annual fee leaves only AED 100 before considering any other charges.
### **4\. Cashback Versus Reward Points**
Not all advertised returns are paid as cash.
Some cards award loyalty points that must be redeemed within a particular programme.
The usefulness of those points depends on the redemption options available.
### **5\. Fuel Station Eligibility**
Check whether the card offers rewards at your preferred petrol station.
This is particularly important when comparing a co-branded ADNOC card with general fuel cashback cards.
### **6\. Credit Card Interest and Charges**
Fuel cashback is only beneficial when it is not outweighed by borrowing costs.
Customers who carry unpaid balances may incur finance or profit charges that exceed the rewards earned.
Paying the statement balance in full by the due date can help avoid unnecessary borrowing costs, subject to the card’s terms.
## **How to Apply for a Fuel Cashback Credit Card in the UAE**
Eligible UAE residents can generally apply through the issuing bank’s official website, mobile application or branch network.
Banks typically request identification and financial information.
Applicants may need to provide an Emirates ID, passport, residence details, salary information and supporting income documents.
The bank will assess eligibility based on its credit policies.
Approval is not guaranteed, even when the applicant meets the published minimum salary requirement.
Before applying, customers should review the Key Facts Statement, fees, cashback conditions and repayment obligations.
## **Frequently Asked Questions**
### **Which credit card offers the highest advertised fuel reward in the UAE?**
Among the products reviewed, the FAB ADNOC Rewards Credit Card advertises 15% value back on eligible ADNOC purchases, subject to spending conditions and a monthly fuel-reward cap.
### **Which credit card offers 10% cashback on fuel in the UAE?**
The Emirates Islamic RTA Credit Card offers 10% cashback on eligible fuel-station spending, capped at AED 75 per month.
### **Can I get cashback at ENOC and EPPCO?**
Yes, eligible fuel purchases at ENOC and EPPCO may qualify under credit cards offering general fuel-station cashback. Transaction classification and card terms determine eligibility.
### **Does the FAB ADNOC card give 15% cashback at ENOC?**
No. The advertised 15% reward is specifically associated with eligible ADNOC spending.
### **Is the FAB ADNOC reward paid as cash?**
No. The advertised value is credited through ADNOC Rewards points.
### **Does the Emirates Islamic RTA card have a minimum spending requirement?**
Yes. The bank requires at least AED 1,000 in retail purchases per statement cycle to qualify for cashback.
### **Can I earn cashback on petrol without paying an annual fee?**
Some UAE credit cards offer no annual fee or promotional fee waivers. Customers should verify the current fee schedule and reward conditions before applying.
## **Why This Matters**
Fuel is a recurring expense for UAE motorists, particularly those who commute long distances or drive frequently between Emirates.
Choosing a suitable credit card can help reduce the effective cost of eligible petrol purchases.
However, the advertised cashback percentage is only one part of the comparison.
A card offering 15% in loyalty rewards may be useful for frequent ADNOC customers, while a general fuel cashback card may offer greater flexibility for motorists who use ENOC, EPPCO and other stations.
Monthly reward caps, minimum spending requirements, annual fees and redemption conditions can significantly change the amount saved.
For UAE residents comparing fuel cashback credit cards in 2026, the most practical approach is to calculate potential savings using their actual monthly spending.
The right card should fit existing financial habits rather than encourage unnecessary purchases simply to qualify for rewards.
## **Source Credits**
Information and product details: First Abu Dhabi Bank, ADNOC Distribution, Emirates Islamic, Dubai Islamic Bank and ENOC Group.
Rates, cashback limits and eligibility conditions reflect official product information reviewed on October 15, 2026.
This article provides general financial information and does not constitute personalised financial advice.
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