ADCB Islamic TouchPoints Gold Credit Card Sharia-compliant
A Sharia-compliant credit card by ADCB Islamic earning up to 0.5 points per AED on all spending with no annual fee.
Free
Up to 0.4 pts/AED
AED 5,000
4.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a no-fee Sharia-compliant card with straightforward points on everyday spending.
Not ideal if
You prioritize high cashback or premium travel rewards over Islamic banking principles.
Watch out for
The 4.14% foreign exchange markup reduces value when spending internationally.
Calculate This Card’s Value
Earning Rates
0.5 pts/AED
0.2 pts/AED
0.4 pts/AED
0.4 pts/AED
0.2 pts/AED
0.4 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee, making it cost-free to hold and use.
Sharia-compliant structure for cardholders seeking Islamic banking products.
Earns 0.5 points per AED on all spending with no caps.
Cinema buy-one-get-one-free perk adds entertainment value.
Watch out for
Modest earn rates compared to cashback or premium points cards.
4.14% foreign exchange markup on international transactions.
Limited perks beyond cinema offer and basic points earning.
Fees & Conditions
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ADCB Islamic
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Compare With
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DIB
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Comparison fit72/100
Frequently Asked Questions
Is there an annual fee for the ADCB Islamic TouchPoints Gold Islamic Credit Card?
No, this card has no annual fee, so you can hold and use it without any yearly cost.
How many points do I earn on dining and groceries?
You earn 0.4 points per AED on dining and groceries, and 0.5 points per AED on all other spending. There are no monthly caps on these earn rates.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 points per AED with no cap.
Can I use this card abroad?
Yes, you can use it internationally and earn 0.4 points per AED. However, a 4.14% foreign exchange markup applies to all foreign currency transactions.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.