ADCB TouchPoints Platinum Visa Credit Card
A points credit card by ADCB earning 1 point per AED on general spend and 0.4 points per AED on dining, groceries, and international purchases.
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 value lifestyle perks like cinema, golf, and lounge access alongside points earning.
Not ideal if
You prefer high cashback rates or spend mainly in categories earning below 1 point per AED.
Watch out for
AED 630 annual fee is not waivable, so perks must justify the cost.
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
1 point per AED on general spend with no cap.
Includes cinema buy-one-get-one, golf rounds, Entertainer, and lounge access.
Accessible AED 5,000 minimum salary requirement.
Watch out for
AED 630 annual fee with no waiver option.
Dining, groceries, and international spend earn only 0.4 points per AED.
Education and utilities earn just 0.2 points per AED.
Fees & Conditions
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Frequently Asked Questions
Is the AED 630 annual fee worth it?
It depends on how often you use the included perks like cinema buy-one-get-one, golf rounds, Entertainer, and lounge access. If you regularly enjoy these benefits, the fee can be justified. Otherwise, the points earning alone may not offset the cost.
How many points do I earn on dining and groceries?
You earn 0.4 points per AED on dining and groceries. General spend earns 1 point per AED, so these categories earn less than the baseline rate.
Can I use this card abroad?
Yes, international purchases earn 0.4 points per AED. However, a 4.14% foreign exchange markup applies to all foreign currency transactions.
Does this card earn points on school or university fees?
Yes, education spend earns 0.2 points per AED. This is lower than the 1 point per AED baseline rate for general purchases.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.