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 spends 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 simple rewards on everyday spending.
Not ideal if
You prioritize high earning rates or premium travel and dining rewards.
Watch out for
The 4.14% FX markup reduces value on international transactions despite earning points.
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 makes it cost-free to hold and use.
Sharia-compliant structure aligns with Islamic banking principles.
Earns 0.5 points per AED on all spending with no caps.
Cinema BOGO perk adds entertainment value for moviegoers.
Watch out for
Low earning rates compared to premium rewards cards in the market.
4.14% FX markup significantly increases cost of international purchases.
No welcome bonus or sign-up incentive to boost initial value.
Fees & Conditions
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ADCB Islamic
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Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
ADCB
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Comparison fit77/100
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Comparison fit73/100
HSBC
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Comparison fit73/100
DIB
Prime Platinum Islamic Credit Card
Comparison fit72/100
Frequently Asked Questions
Is there an annual fee for this card?
No, the ADCB Islamic TouchPoints Gold Islamic Credit Card has no annual fee, making it a cost-free option for cardholders.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
How many points do I earn on dining and groceries?
You earn 0.4 points per AED spent on dining and groceries, with no monthly caps on earning.
Does this card earn rewards on school or university fees?
Yes, you earn 0.2 points per AED on education spending, including school and university fees.
Can I use this card abroad without high fees?
You can use it internationally and earn 0.4 points per AED, but the 4.14% foreign exchange markup makes overseas purchases more expensive.