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, groceries, and international purchases.
Free
Up to 0.4 pts/AED
AED 5,000
4.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a no-fee points card for everyday spending without caps or thresholds.
Not ideal if
You prioritize strong rewards, premium perks, or frequently pay school and university fees.
Watch out for
4.14% foreign exchange markup reduces value on international purchases despite bonus points.
Calculate This Card’s Value
Earning Rates
0.5 pts/AED
0.2 pts/AED
0.4 pts/AED
0.4 pts/AED
0.4 pts/AED
0.2 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee makes it easy to keep long-term.
0.5 points/AED on all other spends with no monthly cap.
0.4 points/AED on dining, groceries, and international purchases.
Cinema BOGO perk adds occasional entertainment savings.
Watch out for
Low earning rates compared to most cashback and travel cards.
4.14% FX markup erodes value on foreign currency transactions.
Education and utilities earn only 0.2 points per AED.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the ADCB TouchPoints Titanium and Gold Credit Card?
No, this card has no annual fee, making it a cost-free option for earning points on everyday spending.
How many points do I earn on dining and groceries?
You earn 0.4 points per AED on dining and groceries, with no monthly cap. All other spends earn 0.5 points per AED.
Can I use this card abroad?
Yes, you can use it internationally and earn 0.4 points per AED. However, the 4.14% foreign exchange markup reduces the net value of those purchases.
Does this card earn points on school or university fees?
Yes, but education spending earns only 0.2 points per AED, making it one of the weakest categories on this card.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 5,000 to qualify for this card.