diff --git a/src/main/java/io/newsdata/api/Constants.java b/src/main/java/io/newsdata/api/Constants.java
index 99d266b..fd3e55d 100644
--- a/src/main/java/io/newsdata/api/Constants.java
+++ b/src/main/java/io/newsdata/api/Constants.java
@@ -85,6 +85,19 @@ private Constants() {}
     /** Bound on the opening handshake. */
     public static final Duration WS_HANDSHAKE_TIMEOUT = Duration.ofSeconds(10);
 
+    /**
+     * Error codes on a 429 meaning the account's API credits are exhausted
+     * rather than a transient rate limit. These are never retried — waiting out
+     * the backoff cannot conjure more credits.
+     *
+     * <p>{@code ApiLimitExceeded} is the documented code (see the ErrorCode
+     * enum in https://newsdata.io/openapi.json); {@code ApiKeyLimitExceeded} is
+     * accepted too because the API has been observed to send it and the spec is
+     * not exhaustive.
+     */
+    public static final Set<String> QUOTA_EXHAUSTED_CODES =
+            Set.of("ApiLimitExceeded", "ApiKeyLimitExceeded");
+
     /** Endpoints that require both {@code from_date} and {@code to_date}. */
     public static final Set<String> REQUIRES_DATE_RANGE =
             Set.of("count", "crypto_count", "market_count");
diff --git a/src/main/java/io/newsdata/api/NewsDataApiClient.java b/src/main/java/io/newsdata/api/NewsDataApiClient.java
index 216513d..61173f3 100644
--- a/src/main/java/io/newsdata/api/NewsDataApiClient.java
+++ b/src/main/java/io/newsdata/api/NewsDataApiClient.java
@@ -356,7 +356,9 @@ NewsdataResponse request(String endpoint, Map<String, Object> params) {
 
             if (status == 429) {
                 int retryAfter = parseRetryAfter(resp.headers().firstValue("retry-after").orElse(null));
-                if (attempt >= maxRetries) {
+                // A 429 covers a burst limit, a rate limit, and exhausted API
+                // credits. Only the first two are worth retrying.
+                if (quotaExhausted(parsed) || attempt >= maxRetries) {
                     throw new NewsdataRateLimitException(message, 429, body, retryAfter);
                 }
                 Duration wait = retryAfter > 0 ? Duration.ofSeconds(retryAfter) : backoff(attempt);
@@ -406,6 +408,19 @@ private void log(String level, String message) {
         if (logger != null) logger.accept(level, "[newsdataapi] " + message);
     }
 
+    /**
+     * Whether a 429 body carries an error code meaning the account is out of
+     * API credits, as opposed to a transient rate limit.
+     */
+    private static boolean quotaExhausted(JsonNode body) {
+        if (body == null) return false;
+        JsonNode results = body.get("results");
+        if (results == null || !results.isObject()) return false;
+        JsonNode code = results.get("code");
+        return code != null && code.isTextual()
+                && Constants.QUOTA_EXHAUSTED_CODES.contains(code.asText());
+    }
+
     private String errorMessage(JsonNode body, int status) {
         if (body != null) {
             JsonNode results = body.get("results");
diff --git a/src/test/java/io/newsdata/api/NewsDataApiClientTest.java b/src/test/java/io/newsdata/api/NewsDataApiClientTest.java
index 55944d0..6f6f68f 100644
--- a/src/test/java/io/newsdata/api/NewsDataApiClientTest.java
+++ b/src/test/java/io/newsdata/api/NewsDataApiClientTest.java
@@ -269,6 +269,54 @@ void articleSymbolAndMarketIdAreNullWhenAbsent() {
         assertNull(art.marketId());
     }
 
+    // A 429 covers a burst limit, a rate limit, and exhausted API credits.
+    // Only the first two are worth retrying.
+    @Test
+    void quotaExhausted429IsNotRetried() {
+        // One context, driven by a mutable code so the loop can reuse it.
+        AtomicReference<String> code = new AtomicReference<>();
+        AtomicInteger calls = new AtomicInteger();
+        handle("latest", exchange -> {
+            calls.incrementAndGet();
+            respond(exchange, 429,
+                    "{\"status\":\"error\",\"results\":{\"message\":\"limit\",\"code\":\""
+                            + code.get() + "\"}}");
+        });
+        var client = defaultBuilder()
+                .retryBackoff(Duration.ofMillis(1))
+                .retryBackoffMax(Duration.ofMillis(1))
+                .build();
+
+        for (String c : List.of("ApiLimitExceeded", "ApiKeyLimitExceeded")) {
+            code.set(c);
+            calls.set(0);
+            assertThrows(NewsdataRateLimitException.class,
+                    () -> client.latest(Params.of().with("q", "x")));
+            assertEquals(1, calls.get(), c + " must not be retried");
+        }
+    }
+
+    @Test
+    void transient429StillRetries() {
+        AtomicInteger calls = new AtomicInteger();
+        handle("latest", exchange -> {
+            if (calls.incrementAndGet() == 1) {
+                respond(exchange, 429,
+                        "{\"status\":\"error\",\"results\":{\"message\":\"slow\",\"code\":\"RateLimitExceeded\"}}");
+                return;
+            }
+            respond(exchange, 200, successBody("[{\"article_id\":\"1\",\"title\":\"ok\"}]"));
+        });
+        var client = defaultBuilder()
+                .retryBackoff(Duration.ofMillis(1))
+                .retryBackoffMax(Duration.ofMillis(1))
+                .build();
+
+        var resp = client.latest(Params.of().with("q", "x"));
+        assertEquals("success", resp.status());
+        assertEquals(2, calls.get());
+    }
+
     @Test
     void countReturnsAggregateMap() {
         handle("count", exchange -> respond(exchange, 200,