ADCB TouchPoints Platinum Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 3.7/560% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all ADCB cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 630
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- Confirm with bank
- Reward programme
- ADCB TouchPoints
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
Earn 1 TouchPoint per AED 1 on general purchases, 0.4 on specified supermarket, insurance, car dealership and fast-food purchases and EU or UK spending, and 0.2 on fuel, education, government, real estate, telecoms, charity and transit. Earn 10,000 bonus points after AED 10,000 monthly spending.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
ADCB TouchPoints Platinum Credit Card
Dirham Score 3.7/560% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
View breakdown
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculation assumptionsRewards, fees & important conditions
Read the full ADCB TouchPoints Platinum Credit Card review and fee maths
Earn 1 TouchPoint per AED 1 on general purchases, 0.4 on specified supermarket, insurance, car dealership and fast-food purchases and EU or UK spending, and 0.2 on fuel, education, government, real estate, telecoms, charity and transit. Earn 10,000 bonus points after AED 10,000 monthly spending.
Get four buy-one-get-one-free VOX tickets per month without a minimum spending requirement for the cinema offer. · The Mastercard Platinum variant offers four visits per year to more than 25 lounges. After the first complimentary visit, a USD 1 non-AED purchase unlocks access for three months. The Visa variant does not automatically share this Mastercard benefit.
Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
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.
Official bank source · checked 2026-10-22Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: The Mastercard Platinum variant offers four visits per year to more than 25 lounges. After the first complimentary visit, a USD 1 non-AED purchase unlocks access for three months. The Visa variant does not automatically share this Mastercard benefit.
- Cinema: Get four buy-one-get-one-free VOX tickets per month without a minimum spending requirement for the cinema offer.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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.
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.
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Compare ADCB TouchPoints Platinum Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- ADCB TouchPoints Platinum Credit Card official product terms
- ADCB: Official product page
- ADCB TouchPoints Platinum Credit 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.