ADCB Islamic TouchPoints Platinum Card vs ADIB Cashback
ADCB Islamic TouchPoints Platinum Card: ADCB TouchPoints under the published conditions. ADIB Cashback: Islamic cashback on eligible household bills. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
Compare
ADCB Islamic TouchPoints Platinum Card
ADIB Cashback
Minimum monthly salary
Unconfirmed — ask bank
Unconfirmed — ask bank
Modelled fees · first year
AED 0
AED 103.95
Modelled fees · ongoing year
AED 630
AED 103.95
Estimated first-year net
Not estimated
AED 3,496.05
Estimated ongoing net / year
Not estimated
AED 3,496.05
Reward redemption model
Reward value unconfirmed
Cash / statement redemption model
Bank FX charge
2.99%; scheme charges may apply
2.415%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
First year free; renewal AED 630 Aspire, AED 315 Privilege, free Excellency.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
ADIB Cashback assumptions
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Category caps, exclusions and redemption rules in the full review apply.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
ADCB Islamic TouchPoints Platinum CardOngoing net / year: Not estimated
ADIB CashbackOngoing net / year: AED 1,000.05
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
ADCB Islamic TouchPoints Platinum CardOngoing net / year: Not estimated
ADIB CashbackOngoing net / year: AED 3,496.05
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
ADCB Islamic TouchPoints Platinum CardOngoing net / year: Not estimated
ADIB CashbackOngoing net / year: AED 2,296.05
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
ADCB Islamic TouchPoints Platinum Card: benefit conditions and official sources
Perks and exclusions
Lounges: 3 complimentary visits per year via Visa Airport Companion for cardholder; extra visits or guests USD 32. Supplementary cards register separately.
Cinema: VOX buy-one-get-one, up to 4 free tickets per month per card; eligible ticket categories and current bank terms apply.
Points can be redeemed in several ways, with redemption value depending on the option. Published examples are not treated as a guaranteed cash rate.
Bank FX component is 2.99%; Visa scheme processing charges are additional (the tariff describes approximately 1.15%).
ADIB Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
