Best Credit Cards for Fuel Cashback in the UAE (2026): Compare Rewards, Fees and Savings
In the UAE, want to refuel with the best credit card for cashback on gas and electric? If you’re often on the road, the right card can help reduce day-to-day driving costs and earn rewards on petrol. However, knowing which card offers the highest cashback percentage is not the only thing to consider when evaluating the right card.
Some UAE credit cards offer up to 10% cashback for eligible fuel purchases and FAB ADNOC Rewards Credit Card advertises 15% value back on eligible purchases at ADNOC. Rewards, however, involve restrictions: conditions, monthly cap, different redemption requirements, etc.
In this guide, we compare popular fuel cashback credit cards in the UAE, explain their eligibility requirements and reward limits, and show you how to calculate your potential savings before applying.
Best Fuel Cashback Credit Cards in the UAE at a Glance
The following is a comparison based on the data provided by the issuing card companies. Please review the latest key facts statement and terms prior to filling in your application.
| Credit card | Advertised fuel reward | Important condition | Best suited for |
|---|---|---|---|
| Emirates Islamic RTA Credit Card | 10% cashback, up to AED 75/month | Minimum AED 1,000 retail spend per statement cycle | Drivers seeking fuel cashback and RTA-related benefits |
| HSBC Live+ Credit Card | 5% cashback, up to AED 200 per statement cycle | AED 3,000 monthly spend required for the higher cashback rates | Drivers who also spend on dining, groceries and other eligible categories |
| CBD Super Saver Credit Card | Up to 10% cashback on eligible categories, including fuel | AED 3,000 minimum monthly spend; AED 600 combined monthly cashback cap | Drivers with qualifying household spending |
| ADIB Cashback Visa Covered Card | 4% cashback on eligible fuel and automobile spending | AED 300 monthly category cap | Drivers seeking a Sharia-compliant covered card |
| ADCB 365 Cashback Credit Card | 5% cashback on eligible fuel and Salik spending | AED 5,000 minimum monthly retail spend to qualify for cashback | Drivers with higher overall card spending |
| FAB ADNOC Rewards Credit Card | 15% value back in ADNOC Rewards points on eligible ADNOC purchases | AED 3,000 minimum monthly spend; fuel rewards capped at AED 150/month | Drivers who regularly refuel at ADNOC |
1. Emirates Islamic RTA Credit Card: 10% Fuel Cashback
When looking for the best benefits with an Emirates Islamic RTA Credit Card, you should consider one offering fuel deals, too. It’s a credit card alongside an RTA Nol chip, therefore, it’s crucial for individuals who drive alongside public transport.
Fuel cashback and eligibility
Emirates Islamic’s published terms specify:
- Fuel cashback: 10% on eligible fuel station transactions.
- Maximum fuel cashback: AED 75 per month.
- Minimum retail spending: AED 1,000 per statement cycle to qualify for cashback.
- Other benefits: Cashback on eligible RTA transport payments and selected everyday spending.
- Reward redemption: Cashback points are redeemable under the bank’s programme rules, including a minimum redemption threshold.
2. HSBC Live+ Credit Card: 5% Fuel Cashback
The card is suitable for anyone who buys items in their regular items such as fuel, meals and grocery. If you’d like to build rewards into your monthly spending plan other than fuel alone, it might be beneficial.
Fuel cashback and key conditions
HSBC’s published product information lists:
- Fuel cashback: 5%, up to AED 200 per statement cycle.
- Minimum monthly spending: AED 3,000 to qualify for the higher category cashback rates.
- Dining cashback: 6% on eligible dining transactions.
- Groceries and entertainment: 2% on eligible purchases, subject to the programme terms.
- Annual fee: Waived in the first year. HSBC states that the fee is also waived in subsequent years when annual spending reaches AED 12,000, subject to its terms.
3. CBD Super Saver Credit Card: Up to 10% Cashback
The CBD Super Saver Credit Card offers cashback across selected everyday spending categories, including eligible fuel purchases. Its main attraction is the opportunity to earn rewards on more than one part of your household budget.
Fuel cashback and key conditions
CBD’s published information highlights:
- Advertised cashback: Up to 10% across selected qualifying categories, including fuel.
- Minimum monthly spending: AED 3,000 to start earning cashback.
- Combined monthly cashback cap: AED 600 across the qualifying categories.
- Eligible categories: Bills, education, supermarkets and transport-related spending, including eligible fuel transactions.
- Salary eligibility: CBD’s product page lists a minimum salary of AED 5,000 for salaried applicants, subject to its eligibility conditions.
4. ADIB Cashback Visa Covered Card: 4% on Fuel and Automobile Spending
The ADIB Cashback Visa Covered Card is a Sharia-compliant option for people who want cashback across several everyday categories.
Fuel cashback and key conditions
ADIB’s published card information lists:
- Fuel and automobile cashback: 4% on eligible transactions.
- Monthly fuel and automobile category cap: AED 300.
- Other cashback categories: Eligible supermarket, education, dining and utility spending.
- Overall monthly cashback cap: AED 1,000.
- Annual fee: AED 99, according to the published fee information.
5. ADCB 365 Cashback Credit Card: 5% on Fuel and Salik
The ADCB 365 Cashback Credit Card is an option for drivers who use their card for several categories and already have substantial monthly retail spending.
Fuel cashback and key conditions
ADCB’s published product page lists:
- Fuel and Salik cashback: 5% on eligible spending.
- Minimum monthly retail spending: AED 5,000 to qualify for cashback.
- Overall monthly cashback cap: AED 1,000.
- Other cashback categories: Eligible grocery, dining, entertainment and selected subscription spending.
- Annual fee: Free in the first year, followed by AED 383.25 including VAT from the second year, according to the published terms.
6. FAB ADNOC Rewards Credit Card: 15% Value Back at ADNOC
The FAB ADNOC Rewards Credit Card is especially relevant if you regularly purchase fuel, car care products or convenience-store items at ADNOC service stations.
Unlike a conventional cashback card, it rewards eligible purchases with ADNOC Rewards points. FAB advertises the benefit as 15% value back on eligible ADNOC spending.
ADNOC Rewards and key conditions
FAB’s published product information lists:
- ADNOC reward rate: 15% value back on eligible ADNOC purchases, including fuel.
- Maximum monthly fuel reward: AED 150.
- Minimum monthly card spending: AED 3,000 to qualify for the accelerated rewards described by the bank.
- Minimum monthly salary: AED 5,000.
- Annual fee: AED 300.
- Additional benefits: Rewards on eligible toll and parking payments, subject to the applicable programme rules.
How Much Can You Save With a Fuel Cashback Credit Card?
The rebate percentage is a very limited indicator of how much cashback a card offers. To count out the real benefit, you should take your eligible gas usage, cap on cash back, gas minimum spend and annual charges into consideration.
The examples below show how the basic calculation works.
| Eligible monthly fuel spending | At 4% cashback | At 5% cashback | At 10% cashback |
|---|---|---|---|
| AED 300 | AED 12 | AED 15 | AED 30 |
| AED 600 | AED 24 | AED 30 | AED 60 |
| AED 1,000 | AED 40 | AED 50 | AED 100 |
Other Ways to Reduce Your Fuel Costs in the UAE
Using a cashback credit card is just one component in handling the costs of driving. The other suggestions are to estimate fuel consumption, be aware of fuel prices and to limit fuel consumption to what is necessary.
Calculate your trip fuel cost
Before a long journey, estimate how much fuel your vehicle will consume and how much the trip may cost.
Use our guide: How to Calculate Fuel Cost for a Trip in the UAE.
Check the latest UAE petrol prices
The cost of the litre is your monthly fuel cost! Always refer to the most up-to-date published fuel prices for your calculation of the next journey or refuelling.
Visit UAEPetrolPrice.com for UAE fuel-price information.
Improve your vehicle’s fuel efficiency
Ensure tyres are inflated correctly, accelerate slowly, don’t idle and eliminate extra body load. These practices can contribute to the overall improvement of fuel economy for your car and circumstances.
Find a convenient petrol station
Choose a suitable station along your route rather than driving a long distance just to refuel. Extra kilometres can offset a small reward or price saving.
Read more: Gas Station Near Me in UAE: Find the Nearest Petrol Station
FAQs About Fuel Cashback Credit Cards in the UAE
In the UAE, which credit card provides the best fuel cashback?
Emirates Islamic RTA promises a fuel cashback rate of 10%, while at FAB ADNOC Rewards you will get 15% value back in ADNOC Rewards points on eligible ADNOC purchases. Research different options for rewards and requirements.
What are the best credit cards for getting cashback on petrol in UAE?
Popular options include Emirates Islamic RTA, HSBC Live+, CBD Super Saver, ADIB Cashback and ADCB 365. Eligible ADNOC purchases are rewarded using FAB ADNOC Rewards.
3. Can I earn cashback at ADNOC, ENOC and Emarat?
It depends on your card’s terms and transaction classification. Check eligible fuel stations with your bank.
4. What salary is required for a fuel cashback credit card?
Requirements vary by bank and card. Some products start at AED 5,000 monthly salary, subject to eligibility and approval.
5. Is fuel cashback unlimited?
No. Cards may have monthly cashback caps, minimum-spend requirements and exclusions. For example, Emirates Islamic RTA publishes a fuel cashback cap of AED 75 monthly.
Final Thoughts:
With fuel spending costs varying and depending on the petrol station of choice and eligibility, the best UAE credit card for cashback is dependent on these factors. Each of the Emirates Islamic RTA, HSBC Live+, CBD Super Saver, Emirates Air Lines Cashback, ADIB Cashback, ADCB 365 and FAB ADNOC Rewards provide different cashback points, rewards and benefits.
Before applying, check out cashback limits, minimum spending levels, annual fees, and eligible fueling stations. Be mindful of the fact that higher cashback offers advertised may not equal higher cashback, depending on how the rewards are issued, such as converting to loyalty points.
