ADCB Islamic TouchPoints Infinite Credit Card Sharia-compliant
A Sharia-compliant credit card by ADCB Islamic earning 1.5 points per AED on general spend and 0.4 points per AED on dining, groceries, shopping, and international purchases.
AED 1,050.00
Up to 0.4 pts/AED
AED 30,000
4.14%
This card also has a conventional version (ADCB TouchPoints Infinite Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 30,000+ monthly, want Sharia-compliant rewards, and value lifestyle perks.
Not ideal if
You spend heavily on groceries, dining, or international travel seeking higher category bonuses.
Watch out for
AED 1,050 annual fee is not waivable, so perks must justify the cost.
Calculate This Card’s Value
Earning Rates
1.5 pts/AED
0.4 pts/AED
0.4 pts/AED
0.4 pts/AED
0.4 pts/AED
0.02 pts/AED
0.2 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.5 points per AED on general everyday spending with no cap.
AED 1,200 welcome voucher for two nights' stay helps offset first-year fee.
Sharia-compliant structure with lifestyle perks including lounge access and golf.
Discounts on Talabat, Noon, and cinema tickets add everyday value.
Watch out for
Only 0.4 points per AED on dining, groceries, shopping, and international spend.
AED 1,050 annual fee is not waivable regardless of spend.
AED 30,000 minimum monthly salary restricts eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,050 annual fee is not waivable, but the AED 1,200 welcome voucher for two nights' stay at Expedia covers the first year's cost. After that, you need to value the perks like lounge access, golf, and discounts on Talabat and Noon to justify the fee.
How many points do I earn on dining and groceries?
You earn 0.4 points per AED on dining, groceries, shopping, and international spend. General everyday spending earns 1.5 points per AED.
Can I use this card abroad?
Yes, the card earns 0.4 points per AED on international purchases. However, a 4.14% foreign exchange markup applies, which reduces the effective return on overseas spending.
Does this card earn on school or university fees?
Yes, but the earn rate is very low at 0.02 points per AED on education spend. If school fees are a major expense, other cards may offer better value.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 30,000 to be eligible for this card.