ADCB Islamic TouchPoints Platinum Credit Card Sharia-compliant
A Sharia-compliant credit card by ADCB Islamic earning 1 point per AED on all spend, with lower rates on dining and groceries.
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 need Sharia-compliant credit and spend heavily on general categories outside dining or groceries.
Not ideal if
You prioritize strong rewards on dining, groceries, travel, or education spending.
Watch out for
AED 630 annual fee is not waivable and earn rates drop on most bonus categories.
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 for customers seeking Islamic banking products.
Flat 1 point per AED on general spending with no cap.
Includes golf, cinema buy-one-get-one, and lounge access perks.
Watch out for
AED 630 annual fee with no waiver option available.
Dining, groceries, and international spend earn only 0.4 points per AED.
Education earns just 0.02 points per AED, far below typical rates.
Fees & Conditions
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DIB
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Emirates NBD
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Comparison fit69/100
Frequently Asked Questions
Is the AED 630 annual fee worth it?
The fee is not waivable, so value depends on your ability to use the perks (golf, cinema, lounge access) and whether you spend heavily on general categories. If most of your spending is on dining, groceries, or education, the low earn rates (0.4 or 0.02 points per AED) make it hard to justify the cost.
How much do I earn on dining and groceries?
You earn 0.4 points per AED on both dining and groceries, which is lower than the 1 point per AED you earn on general spending. This inverted structure means you earn less on common bonus categories.
Does this card earn rewards on school or university fees?
Yes, but only 0.02 points per AED on education spending. This is one of the lowest education earn rates available, so the card is not suitable if school fees are a major expense.
Can I use this card abroad?
Yes, but international purchases earn only 0.4 points per AED and carry a 4.14% foreign exchange markup. The combination of low earn rate and high markup makes this card expensive for travel.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 8,000 to be eligible for this card.