ADCB Islamic TouchPoints Platinum Credit Card Sharia-compliant
A Sharia-compliant credit card by ADCB Islamic earning up to 1 point per AED on general spend.
AED 630.00
Up to 0.4 pts/AED
AED 8,000
4.14%
This card also has a conventional version (ADCB TouchPoints Platinum Visa Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a Sharia-compliant card and value lounge access and lifestyle perks.
Not ideal if
You spend heavily on education or utilities, or prefer cashback over points.
Watch out for
AED 630 annual fee is not waivable, regardless of your spending level.
Calculate This Card’s Value
Earning Rates
1 pts/AED
0.4 pts/AED
0.4 pts/AED
0.2 pts/AED
0.02 pts/AED
0.4 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Sharia-compliant card with straightforward 1 point per AED on general spend.
Includes lounge access, cinema buy-one-get-one, and complimentary golf round.
Earns 0.4 points per AED on groceries, dining, and international purchases.
Watch out for
AED 630 annual fee with no waiver option available.
Very low earn rate of 0.02 points per AED on education.
Utilities earn only 0.2 points per AED, below the general rate.
Fees & Conditions
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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 fit74/100
ADCB Islamic
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Comparison fit74/100
DIB
Prime Platinum Islamic Credit Card
Comparison fit70/100
Emirates NBD
Skywards Signature Credit Card
Comparison fit69/100
Frequently Asked Questions
Is the AED 630 annual fee worth it?
It depends on how much you value the perks and points. The fee is not waivable, so you need to use lounge access, cinema offers, and golf, plus redeem enough points, to justify the cost each year.
How many points do I earn on everyday spending?
You earn 1 point per AED on general spend, 0.4 points per AED on groceries, dining, and international purchases, and lower rates on utilities and education.
Can I use this card abroad?
Yes, you earn 0.4 points per AED on international purchases. However, a 4.14% foreign exchange markup applies to all foreign currency transactions.
Does this card earn points on school or university fees?
Yes, but the earn rate is very low at 0.02 points per AED on education spend.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 8,000 to be eligible for this card.