ADCB · UAE CARD REVIEW

TouchPoints Infinite Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 25,000

Annual fee

AED 1,050

Bank FX charge

2.99%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

ADCB TouchPoints

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

Up to 1.5 TouchPoints per AED; 0.4 on supermarket / selected retail and 0.2 on education, fuel and other selected services. AED 15,000 monthly spend earns 15,000 extra points.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 0 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Partial benchmark assumes full-service dining and eligible non-UK/non-EEA general retail. Fast-food earns 0.4 TP/AED. Redemption value varies by use; verified bill redemption is 2,500 TouchPoints = AED 10. Assigned credit limit, refunds and card-standing conditions apply.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

Conventional banking

ADCBBANK-SOURCED

TouchPoints Infinite Credit Card

Dirham Score 2.6/5100% data coverage · editorial methodHow this score works

• + ADCB TouchPoints rewards
• + Published airport lounge benefit
• + Published golf privilege

• − Reward estimate has stated exclusions
• − Bank FX charge 2.99%; scheme charges may apply

Min. salary: AED 25,000

Groceries · points rewards School Fees · points rewardsCinema BOGOLounge access

Annual fee AED 1,050

ESTIMATED FIRST-YEAR VALUE

AED 0

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 0

Annual rewards+ AED 369.6

Fee waiver+ AED 0

Joining-fee refund+ AED 0

Annual fee− AED 1,050

Actual modelled netAED -680.4

Costs exceed estimated rewards; headline is floored at zero.

Partial benchmark assumes full-service dining and eligible non-UK/non-EEA general retail. Fast-food earns 0.4 TP/AED. Redemption value varies by use; verified bill redemption is 2,500 TouchPoints = AED 10. Assigned credit limit, refunds and card-standing conditions apply.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

Up to 1.5 TouchPoints per AED; 0.4 on supermarket / selected retail and 0.2 on education, fuel and other selected services. AED 15,000 monthly spend earns 15,000 extra points.

Buy 1 Get 1 at VOX Cinemas, up to four tickets per month. · Unlimited access to 1,200+ lounges with one guest via Visa Airport Companion; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

AED 1,200 Expedia two-night stay voucher after first-year annual-fee payment. Six-month validity and property restrictions apply; excluded from cash value.

Partial benchmark assumes full-service dining and eligible non-UK/non-EEA general retail. Fast-food earns 0.4 TP/AED. Redemption value varies by use; verified bill redemption is 2,500 TouchPoints = AED 10. Assigned credit limit, refunds and card-standing conditions apply.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

AED 1,050 is the standard Aspire annual fee; Excellency pricing is lower. Salary or minimum-credit-limit route applies.

International model assumes eligible non-UK/non-EEA general retail. UK/EEA merchants earn 0.4 TouchPoints per AED; fast-food restaurants, supermarkets, auto dealers and insurance also earn 0.4 domestically. Selected domestic services including fuel and education earn 0.2.

Golf requires AED 5,000 monthly spend and advance booking. Expedia voucher is restricted hotel credit, not cash.

Official bank source · checked 2026-10-18

Official fees / key facts

Current product

VAT-inclusive schedule

Supplemental TouchPoints terms

Current official redemption update

Official card front includes a sample cardholder, number and expiry; VISA Infinite identity is visible. WebP copy resized without cropping or changing the depicted card. Image source

ADCB

TouchPoints Infinite Credit Card

Regular welcome offer

AED 1,200 Expedia two-night stay voucher after first-year annual-fee payment. Six-month validity and property restrictions apply; excluded from cash value.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Up to 1.5 TouchPoints per AED; 0.4 on supermarket / selected retail and 0.2 on education, fuel and other selected services. AED 15,000 monthly spend earns 15,000 extra points.

Buy 1 Get 1 at VOX Cinemas, up to four tickets per month. · Unlimited access to 1,200+ lounges with one guest via Visa Airport Companion; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

AED 1,200 Expedia two-night stay voucher after first-year annual-fee payment. Six-month validity and property restrictions apply; excluded from cash value.

Partial benchmark assumes full-service dining and eligible non-UK/non-EEA general retail. Fast-food earns 0.4 TP/AED. Redemption value varies by use; verified bill redemption is 2,500 TouchPoints = AED 10. Assigned credit limit, refunds and card-standing conditions apply.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

AED 1,050 is the standard Aspire annual fee; Excellency pricing is lower. Salary or minimum-credit-limit route applies.

International model assumes eligible non-UK/non-EEA general retail. UK/EEA merchants earn 0.4 TouchPoints per AED; fast-food restaurants, supermarkets, auto dealers and insurance also earn 0.4 domestically. Selected domestic services including fuel and education earn 0.2.

Golf requires AED 5,000 monthly spend and advance booking. Expedia voucher is restricted hotel credit, not cash.

Official bank source · checked 2026-10-18

Official fees / key facts

Current product

VAT-inclusive schedule

Supplemental TouchPoints terms

Current official redemption update

Official card front includes a sample cardholder, number and expiry; VISA Infinite identity is visible. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Unlimited access to 1,200+ lounges with one guest via Visa Airport Companion; qualifying rules apply.
• Cinema: Buy 1 Get 1 at VOX Cinemas, up to four tickets per month.
• Valet: No published benefit verified
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.
• AED 1,050 is the standard Aspire annual fee; Excellency pricing is lower. Salary or minimum-credit-limit route applies.
• International model assumes eligible non-UK/non-EEA general retail. UK/EEA merchants earn 0.4 TouchPoints per AED; fast-food restaurants, supermarkets, auto dealers and insurance also earn 0.4 domestically. Selected domestic services including fuel and education earn 0.2.
• Golf requires AED 5,000 monthly spend and advance booking. Expedia voucher is restricted hotel credit, not cash.

Official bank sources and application information

• TouchPoints Infinite Credit Card official product terms
• ADCB: Official fees / key facts
• ADCB: Current product
• ADCB: VAT-inclusive schedule
• ADCB: Supplemental TouchPoints terms
• ADCB: Current official redemption update
• TouchPoints Infinite Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.