ADCB TouchPoints Infinite: ADCB TouchPoints with eligible groceries spending. ADIB Cashback: Islamic cashback on eligible household bills. Start with eligibility, reward use and total recurring cost.
Utility earning in this exact product is unverified. The supplied benchmark assumed 0.2 TouchPoints/AED; another bank table concerns an unestablished Excellency cohort. The default forecast excludes that utility earning and excludes the unverified category from the bonus gate; it does not assert that all utility payments are ineligible. The supplied 7,700-point example remains illustrative only.
ADCB TouchPoints with eligible groceries spending
Suits you if
Your regular groceries spending fits the published reward categories and caps.
The listed fees fit the value you expect from your existing budget.
Skip it if
You want statement cashback rather than ADCB TouchPoints redemptions.
You need a published salary requirement; this record still needs issuer confirmation.
Salary floor unconfirmed. Ask ADCB before applying.
Partial reward estimate · Restricted points or miles value
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 TouchPoints Infinite
ADIB Cashback
Minimum monthly salary
Confirm with bank
Confirm with bank
Modelled fees · first year
AED 1,050
AED 103.95
Modelled fees · ongoing year
AED 1,050
AED 103.95
Estimated first-year net
-AED 690.00
AED 3,496.05
Estimated ongoing net / year
-AED 690.00
AED 3,496.05
Reward redemption model
Restricted points or miles value
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
ADIB Cashback has the higher ongoing modelled value by AED 4,186.05 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
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.
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. Utility earning in this exact product is unverified. The supplied benchmark assumed 0.2 TouchPoints/AED; another bank table concerns an unestablished Excellency cohort. The default forecast excludes that utility earning and excludes the unverified category from the bonus gate; it does not assert that all utility payments are ineligible. The supplied 7,700-point example remains illustrative only.
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 TouchPoints InfiniteOngoing net / year: -AED 939.60
ADIB CashbackOngoing net / year: AED 1,000.05
ADIB Cashback has the higher ongoing modelled value by AED 1,939.65 a year on this AED 3,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
ADCB TouchPoints InfiniteOngoing net / year: -AED 690.00
ADIB CashbackOngoing net / year: AED 3,496.05
ADIB Cashback has the higher ongoing modelled value by AED 4,186.05 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
ADCB TouchPoints InfiniteOngoing net / year: -AED 450.00
ADIB CashbackOngoing net / year: AED 2,296.05
ADIB Cashback has the higher ongoing modelled value by AED 2,746.05 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
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 TouchPoints Infinite: benefit conditions and official sources
Perks and exclusions
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.
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.
Utility earning in this exact product is unverified. The supplied benchmark assumed 0.2 TouchPoints/AED; another bank table concerns an unestablished Excellency cohort. The default forecast excludes that utility earning and excludes the unverified category from the bonus gate; it does not assert that all utility payments are ineligible. The supplied 7,700-point example remains illustrative only.
Golf requires AED 5,000 monthly spend and availability. Book up to 14 days ahead, one booking at a time, cardholder only. Cancel at least 48 hours before tee time. Late/no-show: Abu Dhabi Golf Club AED 250; Arabian Ranches AED 100 weekday/AED 200 weekend. No guaranteed cash value or unlimited-round allowance assumed.
TouchPoints generally expire three years after last day of earning month unless ADCB communicates another period. Eligible monthly earning spend cannot exceed assigned credit limit. Bank-channel bills above AED 3,500/month and other listed exclusions apply. Transaction-value rounding, refunds, status and termination can reduce/forfeit rewards. Redemption value/minimums vary by route; vouchers are not cash.
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.
Non-AED bank component 2.415% including VAT; scheme charges additional. Overseas-AED service component 2.8875% including VAT includes the stated Visa component, so do not add it twice. October 2026 tariff scope and legacy / self-funded qualifications apply.
