ADCB TouchPoints Platinum Visa Credit Card
A points credit card by ADCB earning 1 point per AED on all spend, with lower rates on bonus categories.
AED 630.00
Up to 0.4 pts/AED
AED 5,000
4.14%
This card also has an Islamic/Sharia-compliant version (ADCB Islamic TouchPoints Platinum Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on general purchases outside dining, groceries, travel, education, or utilities.
Not ideal if
You concentrate spending on dining, groceries, or international travel seeking strong category rewards.
Watch out for
Bonus categories earn less than baseline, and the AED 630 annual fee is not waivable.
Calculate This Card’s Value
Earning Rates
1 pts/AED
0.4 pts/AED
0.4 pts/AED
0.2 pts/AED
0.2 pts/AED
0.4 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 1 point per AED on all general spend with no cap.
Includes cinema buy-one-get-one, golf rounds, and lounge access perks.
Accessible AED 5,000 minimum salary requirement.
Watch out for
Dining, groceries, and international spend earn only 0.4 points per AED, below baseline.
Education and utilities earn just 0.2 points per AED.
AED 630 annual fee is not waivable regardless of spend.
Fees & Conditions
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Emirates Islamic
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Frequently Asked Questions
Why do bonus categories earn fewer points than general spend?
This card has an inverted earn structure: all spend earns 1 point per AED, but dining, groceries, and international purchases earn only 0.4 points per AED, while education and utilities earn 0.2 points per AED. General spend is rewarded more than typical bonus categories.
Is the AED 630 annual fee worth it?
The fee is not waivable and difficult to justify given the weak bonus category earning. You would need very high general spend outside dining, groceries, and travel to offset the cost, and even then, other cards typically offer better value.
Can I use this card abroad?
Yes, but international spend earns only 0.4 points per AED and incurs a 4.14% foreign exchange markup, making it a poor choice for overseas purchases.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 points per AED with no cap. However, this is the lowest earn rate on the card, well below the 1 point per AED baseline.
What perks come with the card?
The card includes cinema buy-one-get-one offers, complimentary golf rounds, and lounge access. These perks may add value if you use them regularly, but they do not offset the weak earning structure for most users.