ADCB Islamic TouchPoints Gold Card
ADCB Islamic TouchPoints Gold Card is a UAE Islamic covered card with ADCB TouchPoints rewards. Its published minimum monthly salary is AED 5,000. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.0/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 2.99%; scheme charges may apply
Explore all ADCB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 0
- Bank FX charge
- 2.99%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- ADCB TouchPoints
- Salary transfer required
- No published requirement
No annual fee in the current tariff.
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible general retail | Up to 0.5 TouchPoints per AED 1 | Confirm product-specific caps with the bank | Supermarkets, auto dealers, insurance and quick-service restaurants earn reduced rates. Fuel, education, government, real estate, telecom, charity and transport also earn reduced rates. EEA transactions have a separate rate. |
| Domestic supermarkets, auto dealers, insurance and quick-service restaurants | 0.4 TouchPoints per AED 1 | Confirm product-specific caps with the bank | Eligible retail only; exclusions apply. |
| Domestic fuel, education, government, real estate, telecom, charity and transport | 0.2 TouchPoints per AED 1 | Confirm product-specific caps with the bank | Eligible retail only; exclusions apply. |
| EEA retail | 0.4 TouchPoints per AED 1 | Confirm product-specific caps with the bank | EEA classification follows Visa merchant guidelines. |
| Monthly spend bonus | 5,000 TouchPoints | Confirm product-specific caps with the bank | Eligible monthly retail purchases of AED 5,000 required; refunds, disputed purchases and cash withdrawals excluded. |
Why this card has no annual AED forecast
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Published earning rates, known fees and bank conditions remain available in this review.
Check ADCB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for ADCB Islamic TouchPoints Gold Card
ADCB Islamic TouchPoints Gold Card
Dirham Score 3.0/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 2.99%; scheme charges may apply
No annual fee in the current tariff.
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
View breakdown
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Calculation assumptionsRewards, fees & important conditions
Read the full ADCB Islamic TouchPoints Gold Card review and fee maths
VOX buy-one-get-one, up to 2 free tickets per month per card; eligible ticket categories and current bank terms apply. · No complimentary lounge access published.
Monthly profit rate: 3.69%. Bank FX charge: 2.99%.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
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%).
Official bank source · checked 2026-10-24Current official card comparison data
Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary lounge access published.
- Cinema: VOX buy-one-get-one, up to 2 free tickets per month per card; eligible ticket categories and current bank terms apply.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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%).
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare ADCB Islamic TouchPoints Gold Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare ADCB Islamic TouchPoints Gold Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare ADCB Islamic TouchPoints Gold Card with CBD Super Saver Visa Signature Credit CardADCB Islamic TouchPoints Gold Card FAQs
What salary do you need for ADCB Islamic TouchPoints Gold Card?
The published minimum monthly salary is AED 5,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for ADCB Islamic TouchPoints Gold Card?
The listed annual fee is AED 0. No annual fee in the current tariff.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- ADCB Islamic TouchPoints Gold Card official product terms
- ADCB: Official product page
- ADCB: Current Islamic tariff
- ADCB: Islamic card KFS
- ADCB: Current official card comparison data
- ADCB Islamic TouchPoints Gold Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.