ADCB TouchPoints Titanium and Gold Credit Card
A no-fee points credit card by ADCB earning 0.5 points per AED on general spends and 0.4 points on dining and groceries.
Annual feeVAT included
Free
Free
Top earnrewards rate
Up to 0.4 pts/AED
Up to 0.4 pts/AED
Min salaryfor eligibility
AED 5,000
AED 5,000
FX markupforeign currency
4.14%
4.14%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
Zero annual fee makes it cost-free to hold long-term.
No caps on points earning across any spending category.
Cinema buy-one-get-one-free offers for entertainment savings.
Accessible AED 5,000 minimum salary requirement.
Watch out for
Low earn rate of 0.4 points per AED on dining and groceries.
Utilities earn only 0.2 points per AED, half the general rate.
High 4.14% foreign exchange markup increases costs on international transactions.
Earning Rates
All Other Spends
0.5 pts/AED
0.5 pts/AED
Groceries
0.4 pts/AED
0.4 pts/AED
Dining
0.4 pts/AED
0.4 pts/AED
International
0.4 pts/AED
0.4 pts/AED
Utilities
0.2 pts/AED
0.2 pts/AED
Perks
Cinema Buy-1-Get-1 Ticket
Fees & Conditions
Annual FeeFree
Fee WaiverN/A — always free
FX Markup4.14%
Minimum SalaryAED 5,000/mo
Frequently Asked Questions
Does this card charge an annual fee?
No, the ADCB TouchPoints Titanium and Gold Credit Card has zero annual fee, making it free to hold indefinitely.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
How many points do I earn on dining and groceries?
You earn 0.4 points per AED spent on both dining and groceries. General spending earns 0.5 points per AED, while utilities earn only 0.2 points per AED.
Can I use this card abroad without extra costs?
You can use it internationally and earn 0.4 points per AED, but the card charges a 4.14% foreign exchange markup on all foreign currency transactions.
Are there any caps on how many points I can earn?
No, there are no monthly or annual caps on points earning across any spending category.