Independent insights. Better banking decisions.Made for the UAE 🇦🇪
SAME SPENDING · TRANSPARENT MATHS

TouchPoints Infinite Credit Card vs Cash+ Credit Card

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

TouchPoints Infinite Credit Card — official bank artwork

TouchPoints Infinite Credit Card

Minimum salary
AED 25,000
Annual fee
AED 1,050
First-year net
AED -680.4
Ongoing annual net
AED -680.4
Bank FX fee
2.99%; scheme charges may apply
Reward programme
ADCB TouchPoints

Important conditions

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.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Unlimited access to 1,200+ lounges with one guest via Visa Airport Companion; qualifying rules apply.

Buy 1 Get 1 at VOX Cinemas, up to four tickets per month.

Official ADCB terms · reviewed 2026-10-18
Cash+ Credit Card — official bank artwork

Cash+ Credit Card

Minimum salary
AED 30,000
Annual fee
AED 1,050
First-year net
AED 1,440
Ongoing annual net
AED 1,440
Bank FX fee
2.1%; scheme charges may apply
Reward programme
Cashback

Important conditions

Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.

Renewal waiver assumes at least AED 24,000 qualifying spend in the preceding card year.

Unlimited Visa Airport Companion lounge visits for you and one guest after an international purchase equivalent to at least one US currency unit, at least 15 days before travel.

Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply.

Official HSBC terms · reviewed 2026-10-18

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

Compare your actual salary and spending

Review all assumptions and reward valuations

YOUR SHORTLIST

A clearer side-by-side view.

Your comparison starts here

Add up to 3 cards or accounts from the directory.