TouchPoints Infinite Credit Card vs Premier 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

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

Premier Credit Card

Minimum salary

AED 40,000

Annual fee

AED 0

First-year net

AED 2,240

Ongoing annual net

AED 840

Bank FX fee

2.1%; scheme charges may apply

Reward programme

HSBC Points

Important conditions

AED 0.007 per point is an illustrative redemption assumption, not a fixed bank cash rate. Non-spend bonus actions and leisure benefits are excluded.

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

Eight annual lounge visits via Mastercard Travel Pass; qualifying non-AED purchase in the preceding 90 days required.

Buy 1 Get 1 cinema tickets after AED 6,000 monthly spend; current booking 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.

Review all assumptions and reward valuations