ADCB TouchPoints Platinum: ADCB TouchPoints with eligible groceries spending. 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 TouchPoints Platinum
ADIB Cashback
Minimum monthly salary
Confirm with bank
Confirm with bank
Modelled fees · first year
AED 0
AED 103.95
Modelled fees · ongoing year
AED 630
AED 103.95
Estimated first-year net
AED 700.8
AED 3,496.05
Estimated ongoing net / year
AED 70.8
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 3,425.25 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.
Reduced supermarket, QSR, education and fuel rates apply. Includes published monthly TouchPoints bonus at the spending gate; uses conservative bill-payment redemption. Generic utility payments are excluded until channel classification is confirmed.
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 PlatinumOngoing net / year: -AED 562.80
ADIB CashbackOngoing net / year: AED 1,000.05
ADIB Cashback has the higher ongoing modelled value by AED 1,562.85 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 PlatinumOngoing net / year: AED 70.8
ADIB CashbackOngoing net / year: AED 3,496.05
ADIB Cashback has the higher ongoing modelled value by AED 3,425.25 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 PlatinumOngoing net / year: AED 171.6
ADIB CashbackOngoing net / year: AED 2,296.05
ADIB Cashback has the higher ongoing modelled value by AED 2,124.45 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 Platinum: benefit conditions and official sources
Perks and exclusions
Lounges: Mastercard Platinum: Four complimentary Mastercard Travel Pass visits; reset period and pooling unestablished by exact product page. Register each card separately. First visit has a spend exception; later eligibility needs USD 1 equivalent non-AED spend and lasts three months. USD 32 applies without qualification and to guests beyond entitlement. Confirm app entitlement and excess-own-visit pricing. Visa Platinum separately publishes three visits/year, supplementary registrations separate, additional visits/guests USD 32.
Cinema: Get four buy-one-get-one-free VOX tickets per month without a minimum spending requirement for the cinema offer.
The annual fee depends on the banking segment: AED 630 standard, AED 315 for Privilege, and AED 0 for Excellency. The first year is free. Points values vary by redemption; the verified utility bill redemption rate is AED 0.004 per point.
Do not mistake the monthly bonus for a one-off welcome reward.
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.
