Real Ways to Cut Fuel and Toll Costs in the UAE
DriveCarCost.com has no partnership or affiliate agreement with ADNOC, FAB or any provider mentioned below — this page is independent, factual information, not a sponsored placement. We link directly to each provider’s own page so you can verify every figure and check current terms before applying, since fees, rates and reward structures can change. See our Affiliate Disclosure.
ADNOC Rewards (free loyalty programme)
ADNOC’s own loyalty programme is free to join and earns points on every fuel purchase, scaled by fuel grade:
| Purchase | Points earned |
|---|---|
| E-Plus 91 | 3 points |
| Special 95 / Super 98 | 5 points |
| Oasis, car wash, lube change, LPG (app) | 10 points |
| Paying with ADNOC Wallet | +25% bonus points |
Points redeem for vouchers on non-fuel purchases (car wash, lube change, Oasis convenience-store items) inside the ADNOC app, or convert to partner points — 110 ADNOC points = 1 Etihad Guest Mile, and 15 ADNOC points = 1 Etisalat Smiles point. You join by showing your Emirates ID or the app’s QR code at the pump; there’s no separate card or fee.
FAB ADNOC Rewards Credit Card (cashback on fuel and tolls)
For drivers who fuel up often, this co-branded credit card converts a share of ADNOC and toll spending directly into points/cashback:
| Spend category | Reward | Monthly cap |
|---|---|---|
| ADNOC fuel & station spend | 150 points per AED 1 (≈15% back) | AED 150 |
| Salik, Darb & Mawaqif | 3% value back | AED 100 |
| UAE dirham spend (general) | 1% back | AED 1,000 |
| International spend | 2% back | — |
Other stated benefits: fast-tracked ADNOC Rewards Gold membership (discounts on car wash and lube packages) in year one, and airport lounge access. The card carries an AED 300 annual fee and a stated minimum monthly salary requirement of AED 5,000 to qualify — worth weighing against the capped cashback before applying. On the capped amounts alone (AED 150 + AED 100 = AED 250/month in maximum fuel+toll cashback), the card roughly breaks even on its annual fee within the first two months for a driver who reliably hits both caps every month; below that spending level, the AED 300 fee may outweigh the rewards.
Full terms, eligibility and current rates are set by FAB and ADNOC and can change — check their official pages (linked in Sources) before applying.
Don’t forget the free option: drive less at peak Salik/Darb hours
Since 1 June 2026 Salik and Parkin fees carry 5% VAT (see our full breakdown), and Salik’s peak/off-peak split (AED 6.30 peak vs AED 4.20 off-peak per crossing) means shifting a commute outside 6–10am and 4–8pm is a genuine, cost-free saving with no card or sign-up required. Use the Salik Calculator to see what timing your crossings differently would save you.
Try the Salik Calculator Fuel Cost Calculator
Sources
- ADNOC Distribution — ADNOC Rewards programme
- First Abu Dhabi Bank (FAB) — FAB ADNOC Rewards Credit Card
Published 12 September 2026 by DriveCarCost.com, based on the sources above. Rewards rates, fees and eligibility criteria are set by the providers and can change at any time — confirm current terms directly with ADNOC/FAB before applying. See our Disclaimer and Affiliate Disclosure.