ADCB TouchPoints Titanium and Gold Credit Card

A no-fee points credit card by ADCB earning up to 0.5 points/AED on all spends and 0.4 points/AED on dining and groceries.

Annual feeVAT included
Free

Top earnrewards rate
Up to 0.4 pts/AED

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
4.14%

Apply now

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You want a no-fee points card with modest earning on everyday spending.

Not ideal if
You prefer cashback or need strong rewards on travel and premium categories.

Watch out for
Modest earn rates mean slower points accumulation compared to higher-tier cards.

If you earn AED 5,000 monthly and want a no-fee card that earns points on everyday spending, this card offers 0.5 points/AED on general purchases and…

Calculate This Card’s Value

Earning Rates

All Other Spends
0.5 pts/AED

Education
0.2 pts/AED

Groceries
0.4 pts/AED

Dining
0.4 pts/AED

International
0.4 pts/AED

Utilities
0.2 pts/AED

Perks

Cinema Buy-1-Get-1 Ticket

Key Strengths and Weaknesses

Strengths

No annual fee makes it cost-free to hold and use.

Earns 0.5 points/AED on all general spending with no caps.

0.4 points/AED on dining, groceries, and international transactions.

Cinema buy-one-get-one-free offers occasional entertainment savings.

Watch out for

Low 0.2 points/AED on education and utilities limits value for those categories.

4.14% FX markup increases costs on foreign currency transactions.

Modest earn rates across all categories compared to premium points cards.

Fees & Conditions

Annual FeeFree

Fee WaiverN/A — always free

FX Markup4.14%

Minimum SalaryAED 5,000/mo

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Frequently Asked Questions

Is there an annual fee for this card?

No, the ADCB TouchPoints Titanium and Gold Credit Card has no annual fee, making it free to hold and use year-round.

How many points do I earn on dining and groceries?

You earn 0.4 points per AED spent on dining and groceries, with no monthly or annual caps on earning.

Does this card earn points on school or university fees?

Yes, education spending earns 0.2 points per AED, though this is lower than the general 0.5 points/AED rate on other purchases.

Can I use this card abroad without extra charges?

You can use it internationally and earn 0.4 points/AED, but a 4.14% foreign exchange markup applies to all foreign currency transactions.

What is the minimum salary required to apply?

You need a minimum monthly salary of AED 5,000 to be eligible for this card.