ADCB TouchPoints Titanium and Gold Credit Card
A points credit card by ADCB earning 0.5 points/AED on all spends and 0.4 points/AED on dining and groceries.
Annual feeVAT included
Free
Free
Top earnrewards rate
Up to 0.4 pts/AED
Up to 0.4 pts/AED
Min salaryfor eligibility
AED 5,000
AED 5,000
FX markupforeign currency
4.14%
4.14%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
No annual fee makes it cost-free to hold and use.
Earns 0.5 points/AED on all purchases with no monthly caps.
Cinema buy-one-get-one-free perk for regular moviegoers.
Accessible with AED 5,000 minimum salary requirement.
Watch out for
Lower 0.4 points/AED on dining and groceries versus competitors.
High 4.14% foreign exchange markup on international transactions.
Utilities earn only 0.2 points/AED, half the general rate.
Earning Rates
All Other Spends
0.5 pts/AED
0.5 pts/AED
Groceries
0.4 pts/AED
0.4 pts/AED
Dining
0.4 pts/AED
0.4 pts/AED
International
0.4 pts/AED
0.4 pts/AED
Utilities
0.2 pts/AED
0.2 pts/AED
Perks
Cinema Buy-1-Get-1 Ticket
Fees & Conditions
Annual FeeFree
Fee WaiverN/A — always free
FX Markup4.14%
Minimum SalaryAED 5,000/mo
Frequently Asked Questions
Is there an annual fee for this card?
No, the ADCB TouchPoints Titanium and Gold Credit Card has no annual fee, making it free to hold year-round.
How many points do I earn per AED spent?
You earn 0.5 points/AED on all purchases, 0.4 points/AED on dining, groceries, and international spends, and 0.2 points/AED on utilities.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to qualify for this card.
Can I use this card abroad without extra costs?
You can use it internationally and earn 0.4 points/AED, but the 4.14% foreign exchange markup makes it expensive for overseas transactions.
What perks come with this card?
The card includes a cinema buy-one-get-one-free offer, allowing you to save on movie tickets when you use the card.