Best ADCB TouchPoints credit cards

Updated August 21, 2026 Fact checkedEditorial integrity

TouchPoints are ADCB’s flexible rewards currency — redeemable for travel, vouchers, bill payments and statement credit.

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All TouchPoints cards

4 cards

Every card that fits this category — filter it down by bank, salary or benefits.

Your monthly salary
ADCB TouchPoints Infinite Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#1ADCB's flagship rewards card

ADCB TouchPoints Infinite Credit Card

Premium Min. salary ⃃ 30,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.3.8 / 5Go to review

Our take: A benefits-first premium card — lounge access, golf, cinema and food-delivery perks are excellent, but the TouchPoints earn rate itself is average.

Heads up: The ⃃ 1,050 annual fee is never waived, and many everyday categories (supermarkets, fuel, education, government) earn only 0.2–0.4 TouchPoints per ⃃ instead of 1.5.

Annual fee

⃃ 1,050/year
Offer
Welcome offer2 TouchPoints
How to unlockOn card activation & fee payment · ⃃ 1,200 Expedia.ae 2-night stay voucher, issued within 60 days of paying the first-year annual fee; valid 6 months, base room rate only

Rewards rate

1.5xUp to 1.5 TouchPoints per ⃃ 1 on most retail spend; plus 15,000 bonus TouchPoints every month you spend ⃃ 15,000
0.4xRetail purchases at merchants based in the UK and the European Economic Area earn 0.4 TouchPoints per ⃃ 1 equivalent
0.4xReduced rate on domestic supermarket spend
0.4xFast-food (QSR) spend earns the reduced 0.4 rate

Key benefits

Top earn rate1.5x · Up to 1.5 TouchPoints per ⃃ 1 on most retail spend; plus 15,000 bonus TouchPoints every month you spend ⃃ 15,000
Lounge accessUnlimited
GolfFree golf all year (⃃ 5,000 spend)
CinemaBuy-1-get-1 VOX Cinemas tickets
Apply now

Key benefits

  • Lounge access: UnlimitedUnlimited access to 1,200+ lounges worldwide for the cardholder plus 1 guest per visit, for both primary and supplementary cardholders. Extra visits or guests are charged USD 32 per visit.
  • Free golf all year (⃃ 5,000 spend)Free golf all year at Arabian Ranches Golf Club (Dubai) and Abu Dhabi Golf Club, subject to a minimum card spend of ⃃ 5,000 per month. Book by phone up to 14 days ahead; late-cancellation/no-show fees apply (⃃ 100–250).
  • Buy-1-get-1 VOX Cinemas ticketsBuy one ticket, get one free at VOX Cinemas across THEATRE, Gold and KIDS experiences — up to 4 free tickets per month per card — plus 25% off select single-item meals at the candy bar and a free popcorn/drink size upgrade.
  • Dining: Unlimited buy-1-get-1 at Caribou CoffeeA complimentary beverage all year round with an unlimited buy-1-get-1 offer at Caribou Coffee outlets in the UAE. Not valid on delivery orders or bottled beverages.
  • Instalments: 0% for up to 12 monthsDetails on the bank's site
  • Foreign fees: 2.99%
  • Travel insurance: Included
  • Online shopping: 15% off Noon.com15% off one Noon.com order every month, up to ⃃ 100 off, when you pay with the card. Valid on UAE orders; not applicable on mobile-wallet payments.
  • 24-hour Visa Infinite concierge24-hour concierge in English, Arabic and French for restaurant bookings, travel arrangements, shopping recommendations and gifts.

Why we chose it

What makes it strong

The TouchPoints Infinite is really two cards in one: an average rewards card and an excellent perks card. The 1.5-points-per-⃃ headline works out to roughly 0.75% back, and drops sharply on supermarkets, fuel and other everyday categories — so don't pick it for the points.

What to watch

Pick it for the benefits. Unlimited lounge access with a guest, free golf at two top courses, VOX buy-1-get-1, Caribou coffee, Talabat and Noon discounts, and an ⃃ 1,200 Expedia voucher that effectively cancels out the first-year fee. If you'll actually use two or three of those perks each month, the ⃃ 1,050 fee pays for itself; if not, a simpler card will serve you better.

Pros

  • Unlimited airport lounge access with a guest, for supplementary cardholders too
  • ⃃ 1,200 Expedia 2-night stay voucher effectively offsets the first-year fee
  • Free golf at two premium courses (with ⃃ 5,000 monthly spend)
  • Rich everyday discounts: VOX buy-1-get-1, Caribou, 20% Talabat, 15% Noon
  • Solid travel insurance and Visa Infinite concierge included

Cons

  • ⃃ 1,050 annual fee is never waived
  • TouchPoints value is modest — roughly 0.75% back on general spend
  • Supermarkets, fuel, education and other common categories earn only 0.2–0.4 points per ⃃
  • 2.99% foreign-currency fee (plus ~1.15% network processing) is high for a premium card
  • ⃃ 30,000 minimum salary limits eligibility
Annual fee⃃ 1,050
Minimum salary⃃ 30,000/month
Foreign transaction fee2.99%
0% installment planUp to 12 months
Lounge accessUnlimited, worldwide
Welcome offer2 TouchPoints · On card activation & fee payment · ⃃ 1,200 Expedia.ae 2-night stay voucher, issued within 60 days of paying the first-year annual fee; valid 6 months, base room rate only
Interest rate3.69% per month
NetworkVisa Infinite
ADCB Betaqti Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#2Exclusively for Emiratis

ADCB Betaqti Credit Card

Premium Min. salary ⃃ 10,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4 / 5Go to review

Our take: A genuinely rich Emiratis-only package: 300,000 welcome TouchPoints, a metal card, lounge, gym and cinema perks, and ADCB's lowest card interest rate — but the ⃃ 2,100 fee never goes away and everyday categories earn a fraction of the headline rate.

Heads up: Open to UAE nationals only, and the 'up to 3 TouchPoints per ⃃' headline drops to 0.7 at supermarkets and fast food and 0.35 on fuel, telecom and government payments — while the ⃃ 2,100 annual fee applies from year one with no waiver.

Annual fee

⃃ 2,100/year
Offer
Welcome offer300,000 TouchPoints
How to unlockOn card activation & fee payment · New primary cardholders only — credited after paying the annual fee and the total outstanding of the first or second statement

Rewards rate

3xAdvertised as 'up to 3 TouchPoints per ⃃ 1' on retail spends; the reduced-rate categories below earn less
0.7xTouchPoints per ⃃ 1 on domestic supermarket spend
0.7xFast-food restaurants earn the reduced 0.7 rate
0.4xRetail purchases at merchants based in the European Economic Area earn 0.40 TouchPoints per ⃃ 1 equivalent

Key benefits

Top earn rate3x · Advertised as 'up to 3 TouchPoints per ⃃ 1' on retail spends; the reduced-rate categories below earn less
Lounge access14 visits / year
Cinema4 tickets a month
DiningUnlimited buy one, get one free at Caribou Coffee
Apply now

Key benefits

  • Lounge access: 14 visits / year14 complimentary visits per year to 1,200+ lounges, shared between primary and supplementary cardholders, plus 1 free guest per visit (extra guests USD 32 each). The first two visits are complimentary; after that, a non-⃃ transaction of at least USD 1 is required to keep complimentary access for 3 months at a time. The hero banner rounds this to 'over 1,000 lounges'.
  • Cinema: 4 tickets a monthFour buy-one-get-one movie tickets a month at VOX Cinemas, booked on the VOX website or app, covering standard, VIP, MAX, IMAX, GOLD, THEATRE by Rhodes and KIDS experiences — plus 25% off select single-item food and drinks and a free popcorn-and-drink size upgrade.
  • Dining: Unlimited buy one, get one free at Caribou CoffeeA complimentary beverage with every beverage purchased on the card at Caribou Coffee outlets in the UAE, all year round. The free item must be of equal or lesser value; excludes bottled beverages and delivery orders.
  • Instalments: 0% for up to 48 monthsDetails on the bank's site
  • Foreign fees: 2.99%
  • Travel insurance: Included
  • Fitness: Free UFC Gym access across the UAEFree access to UFC Gym facilities across the UAE (Silicon Central excluded), including group exercise classes, Wi-Fi and locker services. Ladies-only locations available. Cardholder only; classes need booking 24 hours ahead. An ⃃ 1 validation charge is made and reversed at reception.
  • Mastercard World Elite ConciergeLuxury lifestyle experts for travel planning, restaurant reservations and access to sold-out shows and events.

Why we chose it

What makes it strong

For Emiratis, the Betaqti is one of the most complete lifestyle packages on the market at its salary bar: a laser-etched metal World Elite card from ⃃ 10,000 monthly income, a 300,000-TouchPoints welcome bonus, four VOX buy-one-get-one tickets a month including the THEATRE experience, unlimited Caribou coffee BOGO, UFC Gym access, 14 lounge visits and six Careem airport transfers a year. The 2.50% monthly interest rate — ADCB's lowest — and the 80% cash advance limit add real financial flexibility that most premium cards don't offer.

What to watch

The economics reward heavy, well-aimed spending. General retail earns up to 3 TouchPoints per ⃃ (roughly 1.8% back by ADCB's own valuation), but supermarkets, fast food, fuel, telecom and government payments earn a fraction of that, and the headline anniversary bonus needs ⃃ 250,000+ of annual spend plus next year's ⃃ 2,100 fee paid before it lands. If your spending is mostly in the de-rated everyday categories, a free cashback card will out-earn it — the Betaqti earns its fee on status, perks and the welcome bonus, not on groceries.

Pros

  • 300,000 TouchPoints welcome bonus — roughly ⃃ 1,800 of value by ADCB's own benchmark
  • Anniversary gift of up to 750,000 TouchPoints a year for high spenders
  • 2.50% monthly retail interest rate, below ADCB's standard 3.25%
  • Metal laser-etched card with 14 lounge visits, 6 Careem airport rides and UFC Gym access
  • Four VOX buy-one-get-one tickets a month including THEATRE, plus unlimited Caribou BOGO
  • Accessible ⃃ 10,000 minimum salary for a World Elite card

Cons

  • Exclusively for UAE nationals — residents and expats cannot apply
  • ⃃ 2,100 annual fee with no first-year waiver, and ⃃ 1,050 per supplementary card
  • 2.99% foreign currency fee on non-⃃ spend
  • Everyday categories are heavily de-rated: 0.7 points at supermarkets and fast food, 0.35 on fuel, telecom and government payments
  • Anniversary TouchPoints only unlock at ⃃ 250,000+ annual spend and require paying the next year's fee
Annual fee⃃ 2,100
Minimum salary⃃ 10,000/month
Foreign transaction fee2.99%
0% installment planUp to 48 months
Lounge access14 visits / year
Welcome offer300,000 TouchPoints · On card activation & fee payment · New primary cardholders only — credited after paying the annual fee and the total outstanding of the first or second statement
Interest rate2.5% per month
NetworkMastercard World Elite
ADCB TouchPoints Platinum Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#3Mid-tier TouchPoints earner

ADCB TouchPoints Platinum Credit Card

Rewards Min. salary ⃃ 5,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.3.5 / 5Go to review

Our take: Strong lifestyle perks — VOX, Talabat, golf — for a low salary bar, but hold it past year one only if the benefits outweigh the ⃃ 630 renewal fee.

Heads up: From year two the fee is ⃃ 630 while base earning is only ~0.5% back — the card makes sense for its VOX / Talabat / golf perks, not its points.

Annual fee

⃃ 0/year
First year waivedthen ⃃ 630/year from year 2

Rewards rate

1xUp to 1 TouchPoint per ⃃ 1 on most retail spend; plus 10,000 bonus TouchPoints every month you spend ⃃ 10,000
0.4xRetail purchases at merchants based in the UK and the European Economic Area earn 0.4 TouchPoints per ⃃ 1 equivalent
0.4xReduced rate on domestic supermarket spend
0.4xFast-food (QSR) spend earns the reduced 0.4 rate

Key benefits

Top earn rate1x · Up to 1 TouchPoint per ⃃ 1 on most retail spend; plus 10,000 bonus TouchPoints every month you spend ⃃ 10,000
Lounge access3 visits / year
GolfFree golf (⃃ 5,000 monthly spend)
CinemaBuy-1-get-1 VOX Cinemas tickets
Apply now

Key benefits

  • Lounge access: 3 visits / yearVisa variant: 3 complimentary visits per year at 1,200+ lounges (shared with supplementary cardholders) via the Visa Airport Companion app. Mastercard variant: 4 visits at 25+ lounges via Mastercard Travel Pass, with an international-transaction condition after the first visit. Extra visits/guests USD 32.
  • Free golf (⃃ 5,000 monthly spend)Free golf at Arabian Ranches Golf Club (Dubai) and Abu Dhabi Golf Club, subject to a minimum card spend of ⃃ 5,000 per month. Book by phone up to 14 days ahead; late-cancellation/no-show fees apply (⃃ 100–250).
  • Buy-1-get-1 VOX Cinemas ticketsBuy one ticket, get one free at VOX Cinemas across IMAX, VIP, Standard and MAX Standard — up to 4 free tickets per month per card — plus 25% off select single-item meals at the candy bar and a free popcorn/drink size upgrade.
  • Dining: 20% off Talabat orders20% off Talabat orders, up to ⃃ 20 off per order on 2 orders a month, with promo code ADCBPLAT in the Talabat app. Not applicable on mobile-wallet payments or service charges. Mastercard holders also get a separate 20% off one grocery or food order a month (code MASTERCARD, capped at ⃃ 14).
  • Instalments: 0% for up to 24 monthsDetails on the bank's site
  • Foreign fees: 2.99%

Why we chose it

What makes it strong

The TouchPoints Platinum is best read as a lifestyle card with a low entry bar. Buy-1-get-1 VOX tickets across IMAX and VIP, 20% off Talabat twice a month and free golf (with ⃃ 5,000 monthly spend) are perks you'd normally expect from cards demanding three times the salary.

What to watch

The rewards themselves are the weak spot: 1 TouchPoint per ⃃ is roughly 0.5% back, and common categories drop to 0.2–0.4. Enjoy the free first year, then do the maths — if you're not using the VOX, Talabat or golf perks most months, the ⃃ 630 renewal is hard to justify against a no-fee or cashback alternative.

Pros

  • First-year annual fee waived for new customers
  • Accessible ⃃ 5,000 minimum salary
  • VOX buy-1-get-1 (incl. IMAX and VIP), 20% Talabat and free golf — unusual perks at this tier
  • 10,000 bonus TouchPoints in months you spend ⃃ 10,000
  • 365-day purchase protection and 1-year extended warranty

Cons

  • ⃃ 630 annual fee from year two is high for the rewards on offer
  • Base earn of 1 TouchPoint per ⃃ ≈ only 0.5% back
  • Supermarkets, fuel, education and government spend earn just 0.2–0.4 points per ⃃
  • Lounge access limited to 3–4 visits a year, and the Mastercard variant adds spend conditions
  • 2.99% foreign-currency fee plus ~1.15% network processing
Annual fee (year 1)⃃ 0 — waived
Annual fee (year 2+)⃃ 630
Minimum salary⃃ 5,000/month
Foreign transaction fee2.99%
0% installment planUp to 24 months
Lounge access3 visits / year
Welcome offerNone
Interest rate3.69% per month
NetworkVisa Platinum
ADCB TouchPoints Titanium and Gold Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#4No-fee entry to TouchPoints

ADCB TouchPoints Titanium and Gold Credit Card

Everyday Min. salary ⃃ 5,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.3.3 / 5Go to review

Our take: A keep-forever free card: thin rewards, but the monthly 5,000-point bonus and VOX offer cost you nothing.

Heads up: Base earning is only 0.25% back — the card is worth it mainly if you hit the ⃃ 5,000 monthly spend that triggers the 5,000-point bonus.

Annual fee

⃃ 0/year

Rewards rate

0.5xUp to 0.5 TouchPoints per ⃃ 1 on most retail spend; plus 5,000 bonus TouchPoints every month you spend ⃃ 5,000
0.4xRetail purchases at merchants based in the UK and the European Economic Area earn 0.4 TouchPoints per ⃃ 1 equivalent
0.4xReduced rate on domestic supermarket spend
0.4xFast-food (QSR) spend earns the reduced 0.4 rate

Key benefits

Top earn rate0.5x · Up to 0.5 TouchPoints per ⃃ 1 on most retail spend; plus 5,000 bonus TouchPoints every month you spend ⃃ 5,000
School fees0% instalment plan, up to 12 months
CinemaBuy-1-get-1 VOX Cinemas tickets
Dining20% off one Talabat order a month (Mastercard)
Apply now

Key benefits

  • School fees: 0% instalment plan, up to 12 monthsConvert school or university fee payments into a 0% interest instalment plan repayable over up to 12 months. Fees can be paid on the card or through the Bill Payments section of ADCB Personal Internet Banking and the ADCB mobile app.
  • Buy-1-get-1 VOX Cinemas ticketsBuy one ticket, get one free at VOX Cinemas across 2D Standard and 2D Max Standard — up to 2 free tickets per month per card.
  • Dining: 20% off one Talabat order a month (Mastercard)20% off one grocery or food-delivery order a month on Talabat with promo code MASTERCARD, capped at ⃃ 14 per order. Mastercard Titanium variant only.
  • Instalments: 0% for up to 12 monthsDetails on the bank's site
  • Foreign fees: 2.99%

Why we chose it

What makes it strong

As a free card, the TouchPoints Titanium/Gold is easy to recommend and hard to get excited about. Half a point per ⃃ is thin — about 0.25% back — but there's no fee eating into it, and the recurring 5,000-point bonus on ⃃ 5,000 monthly spend doubles the effective rate for a typical household's spending level.

What to watch

Treat it as a starter card into ADCB's TouchPoints ecosystem: two free VOX 2D tickets a month, a small monthly Talabat discount, 0% school-fee instalments, and points you can spend on bills, Salik or Skywards Miles. If you later want lounge access and bigger perks, the Platinum and Infinite sit on the same program.

Pros

  • Genuinely free: no annual fee in any year, on any ADCB segment
  • Low ⃃ 5,000 minimum salary (or ⃃ 3,000 credit limit eligibility)
  • The ⃃ 5,000 monthly-spend bonus doubles your effective earn to ~1 point per ⃃
  • VOX buy-1-get-1 and a monthly Talabat discount at zero cost
  • 0% school-fee instalments and full TouchPoints redemption flexibility

Cons

  • Base earn of 0.5 TouchPoints per ⃃ ≈ only 0.25% back
  • No airport lounge access, travel insurance or golf
  • Supermarkets, fuel, education and government spend earn just 0.2–0.4 points per ⃃
  • 2.99% foreign-currency fee plus ~1.15% network processing
  • Cinema offer is limited to 2D screens and 2 free tickets a month
Annual fee (year 1)⃃ 0 — waived
Annual fee (year 2+)⃃ 0
Minimum salary⃃ 5,000/month
Foreign transaction fee2.99%
0% installment planUp to 12 months
Welcome offerNone
Interest rate3.69% per month
NetworkMastercard Titanium

Are TouchPoints worth collecting?

TouchPoints trade peak per-point value for flexibility: you can spend them on flights and hotels, shopping vouchers, utility bills or plain statement credit, with no transfer partners to learn.

Redemption value varies by channel — the travel portal usually returns the most per point, while vouchers and bill payments trade value for convenience. Check the rate before you burn a big balance.

Yajool's top picks at a glance
ADCB TouchPoints Infinite Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#1Best premium TouchPoints card

ADCB TouchPoints Infinite Credit Card

Premium Min. salary ⃃ 30,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.3.8 / 5Go to review

Our take: A benefits-first premium card — lounge access, golf, cinema and food-delivery perks are excellent, but the TouchPoints earn rate itself is average.

Heads up: The ⃃ 1,050 annual fee is never waived, and many everyday categories (supermarkets, fuel, education, government) earn only 0.2–0.4 TouchPoints per ⃃ instead of 1.5.

Annual fee

⃃ 1,050/year
Offer
Welcome offer2 TouchPoints
How to unlockOn card activation & fee payment · ⃃ 1,200 Expedia.ae 2-night stay voucher, issued within 60 days of paying the first-year annual fee; valid 6 months, base room rate only

Rewards rate

1.5xUp to 1.5 TouchPoints per ⃃ 1 on most retail spend; plus 15,000 bonus TouchPoints every month you spend ⃃ 15,000
0.4xRetail purchases at merchants based in the UK and the European Economic Area earn 0.4 TouchPoints per ⃃ 1 equivalent
0.4xReduced rate on domestic supermarket spend
0.4xFast-food (QSR) spend earns the reduced 0.4 rate

Key benefits

Top earn rate1.5x · Up to 1.5 TouchPoints per ⃃ 1 on most retail spend; plus 15,000 bonus TouchPoints every month you spend ⃃ 15,000
Lounge accessUnlimited
GolfFree golf all year (⃃ 5,000 spend)
CinemaBuy-1-get-1 VOX Cinemas tickets
Apply now

Key benefits

  • Lounge access: UnlimitedUnlimited access to 1,200+ lounges worldwide for the cardholder plus 1 guest per visit, for both primary and supplementary cardholders. Extra visits or guests are charged USD 32 per visit.
  • Free golf all year (⃃ 5,000 spend)Free golf all year at Arabian Ranches Golf Club (Dubai) and Abu Dhabi Golf Club, subject to a minimum card spend of ⃃ 5,000 per month. Book by phone up to 14 days ahead; late-cancellation/no-show fees apply (⃃ 100–250).
  • Buy-1-get-1 VOX Cinemas ticketsBuy one ticket, get one free at VOX Cinemas across THEATRE, Gold and KIDS experiences — up to 4 free tickets per month per card — plus 25% off select single-item meals at the candy bar and a free popcorn/drink size upgrade.
  • Dining: Unlimited buy-1-get-1 at Caribou CoffeeA complimentary beverage all year round with an unlimited buy-1-get-1 offer at Caribou Coffee outlets in the UAE. Not valid on delivery orders or bottled beverages.
  • Instalments: 0% for up to 12 monthsDetails on the bank's site
  • Foreign fees: 2.99%
  • Travel insurance: Included
  • Online shopping: 15% off Noon.com15% off one Noon.com order every month, up to ⃃ 100 off, when you pay with the card. Valid on UAE orders; not applicable on mobile-wallet payments.
  • 24-hour Visa Infinite concierge24-hour concierge in English, Arabic and French for restaurant bookings, travel arrangements, shopping recommendations and gifts.

Why we chose it

Up to 1.5 TouchPoints per ⃃ plus a 15,000-point monthly bonus and unlimited lounge access with a guest.

Pros

  • Unlimited airport lounge access with a guest, for supplementary cardholders too
  • ⃃ 1,200 Expedia 2-night stay voucher effectively offsets the first-year fee
  • Free golf at two premium courses (with ⃃ 5,000 monthly spend)
  • Rich everyday discounts: VOX buy-1-get-1, Caribou, 20% Talabat, 15% Noon
  • Solid travel insurance and Visa Infinite concierge included

Cons

  • ⃃ 1,050 annual fee is never waived
  • TouchPoints value is modest — roughly 0.75% back on general spend
  • Supermarkets, fuel, education and other common categories earn only 0.2–0.4 points per ⃃
  • 2.99% foreign-currency fee (plus ~1.15% network processing) is high for a premium card
  • ⃃ 30,000 minimum salary limits eligibility
Annual fee⃃ 1,050
Minimum salary⃃ 30,000/month
Foreign transaction fee2.99%
0% installment planUp to 12 months
Lounge accessUnlimited, worldwide
Welcome offer2 TouchPoints · On card activation & fee payment · ⃃ 1,200 Expedia.ae 2-night stay voucher, issued within 60 days of paying the first-year annual fee; valid 6 months, base room rate only
Interest rate3.69% per month
NetworkVisa Infinite
ADCB TouchPoints Platinum Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#2Best mid-tier TouchPoints card

ADCB TouchPoints Platinum Credit Card

Rewards Min. salary ⃃ 5,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.3.5 / 5Go to review

Our take: Strong lifestyle perks — VOX, Talabat, golf — for a low salary bar, but hold it past year one only if the benefits outweigh the ⃃ 630 renewal fee.

Heads up: From year two the fee is ⃃ 630 while base earning is only ~0.5% back — the card makes sense for its VOX / Talabat / golf perks, not its points.

Annual fee

⃃ 0/year
First year waivedthen ⃃ 630/year from year 2

Rewards rate

1xUp to 1 TouchPoint per ⃃ 1 on most retail spend; plus 10,000 bonus TouchPoints every month you spend ⃃ 10,000
0.4xRetail purchases at merchants based in the UK and the European Economic Area earn 0.4 TouchPoints per ⃃ 1 equivalent
0.4xReduced rate on domestic supermarket spend
0.4xFast-food (QSR) spend earns the reduced 0.4 rate

Key benefits

Top earn rate1x · Up to 1 TouchPoint per ⃃ 1 on most retail spend; plus 10,000 bonus TouchPoints every month you spend ⃃ 10,000
Lounge access3 visits / year
GolfFree golf (⃃ 5,000 monthly spend)
CinemaBuy-1-get-1 VOX Cinemas tickets
Apply now

Key benefits

  • Lounge access: 3 visits / yearVisa variant: 3 complimentary visits per year at 1,200+ lounges (shared with supplementary cardholders) via the Visa Airport Companion app. Mastercard variant: 4 visits at 25+ lounges via Mastercard Travel Pass, with an international-transaction condition after the first visit. Extra visits/guests USD 32.
  • Free golf (⃃ 5,000 monthly spend)Free golf at Arabian Ranches Golf Club (Dubai) and Abu Dhabi Golf Club, subject to a minimum card spend of ⃃ 5,000 per month. Book by phone up to 14 days ahead; late-cancellation/no-show fees apply (⃃ 100–250).
  • Buy-1-get-1 VOX Cinemas ticketsBuy one ticket, get one free at VOX Cinemas across IMAX, VIP, Standard and MAX Standard — up to 4 free tickets per month per card — plus 25% off select single-item meals at the candy bar and a free popcorn/drink size upgrade.
  • Dining: 20% off Talabat orders20% off Talabat orders, up to ⃃ 20 off per order on 2 orders a month, with promo code ADCBPLAT in the Talabat app. Not applicable on mobile-wallet payments or service charges. Mastercard holders also get a separate 20% off one grocery or food order a month (code MASTERCARD, capped at ⃃ 14).
  • Instalments: 0% for up to 24 monthsDetails on the bank's site
  • Foreign fees: 2.99%

Why we chose it

1 TouchPoint per ⃃ with a 10,000-point monthly bonus, first year free, from ⃃ 5,000 salary.

Pros

  • First-year annual fee waived for new customers
  • Accessible ⃃ 5,000 minimum salary
  • VOX buy-1-get-1 (incl. IMAX and VIP), 20% Talabat and free golf — unusual perks at this tier
  • 10,000 bonus TouchPoints in months you spend ⃃ 10,000
  • 365-day purchase protection and 1-year extended warranty

Cons

  • ⃃ 630 annual fee from year two is high for the rewards on offer
  • Base earn of 1 TouchPoint per ⃃ ≈ only 0.5% back
  • Supermarkets, fuel, education and government spend earn just 0.2–0.4 points per ⃃
  • Lounge access limited to 3–4 visits a year, and the Mastercard variant adds spend conditions
  • 2.99% foreign-currency fee plus ~1.15% network processing
Annual fee (year 1)⃃ 0 — waived
Annual fee (year 2+)⃃ 630
Minimum salary⃃ 5,000/month
Foreign transaction fee2.99%
0% installment planUp to 24 months
Lounge access3 visits / year
Welcome offerNone
Interest rate3.69% per month
NetworkVisa Platinum
ADCB TouchPoints Titanium and Gold Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#3Best free TouchPoints card

ADCB TouchPoints Titanium and Gold Credit Card

Everyday Min. salary ⃃ 5,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.3.3 / 5Go to review

Our take: A keep-forever free card: thin rewards, but the monthly 5,000-point bonus and VOX offer cost you nothing.

Heads up: Base earning is only 0.25% back — the card is worth it mainly if you hit the ⃃ 5,000 monthly spend that triggers the 5,000-point bonus.

Annual fee

⃃ 0/year

Rewards rate

0.5xUp to 0.5 TouchPoints per ⃃ 1 on most retail spend; plus 5,000 bonus TouchPoints every month you spend ⃃ 5,000
0.4xRetail purchases at merchants based in the UK and the European Economic Area earn 0.4 TouchPoints per ⃃ 1 equivalent
0.4xReduced rate on domestic supermarket spend
0.4xFast-food (QSR) spend earns the reduced 0.4 rate

Key benefits

Top earn rate0.5x · Up to 0.5 TouchPoints per ⃃ 1 on most retail spend; plus 5,000 bonus TouchPoints every month you spend ⃃ 5,000
School fees0% instalment plan, up to 12 months
CinemaBuy-1-get-1 VOX Cinemas tickets
Dining20% off one Talabat order a month (Mastercard)
Apply now

Key benefits

  • School fees: 0% instalment plan, up to 12 monthsConvert school or university fee payments into a 0% interest instalment plan repayable over up to 12 months. Fees can be paid on the card or through the Bill Payments section of ADCB Personal Internet Banking and the ADCB mobile app.
  • Buy-1-get-1 VOX Cinemas ticketsBuy one ticket, get one free at VOX Cinemas across 2D Standard and 2D Max Standard — up to 2 free tickets per month per card.
  • Dining: 20% off one Talabat order a month (Mastercard)20% off one grocery or food-delivery order a month on Talabat with promo code MASTERCARD, capped at ⃃ 14 per order. Mastercard Titanium variant only.
  • Instalments: 0% for up to 12 monthsDetails on the bank's site
  • Foreign fees: 2.99%

Why we chose it

No annual fee for any segment, 0.5 TouchPoints per ⃃ plus a 5,000-point monthly bonus.

Pros

  • Genuinely free: no annual fee in any year, on any ADCB segment
  • Low ⃃ 5,000 minimum salary (or ⃃ 3,000 credit limit eligibility)
  • The ⃃ 5,000 monthly-spend bonus doubles your effective earn to ~1 point per ⃃
  • VOX buy-1-get-1 and a monthly Talabat discount at zero cost
  • 0% school-fee instalments and full TouchPoints redemption flexibility

Cons

  • Base earn of 0.5 TouchPoints per ⃃ ≈ only 0.25% back
  • No airport lounge access, travel insurance or golf
  • Supermarkets, fuel, education and government spend earn just 0.2–0.4 points per ⃃
  • 2.99% foreign-currency fee plus ~1.15% network processing
  • Cinema offer is limited to 2D screens and 2 free tickets a month
Annual fee (year 1)⃃ 0 — waived
Annual fee (year 2+)⃃ 0
Minimum salary⃃ 5,000/month
Foreign transaction fee2.99%
0% installment planUp to 12 months
Welcome offerNone
Interest rate3.69% per month
NetworkMastercard Titanium
ADCB Betaqti Credit Card card art
Abu Dhabi Commercial Bank (ADCB)TouchPoints
#4Most TouchPoints for Emiratis

ADCB Betaqti Credit Card

Premium Min. salary ⃃ 10,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4 / 5Go to review

Our take: A genuinely rich Emiratis-only package: 300,000 welcome TouchPoints, a metal card, lounge, gym and cinema perks, and ADCB's lowest card interest rate — but the ⃃ 2,100 fee never goes away and everyday categories earn a fraction of the headline rate.

Heads up: Open to UAE nationals only, and the 'up to 3 TouchPoints per ⃃' headline drops to 0.7 at supermarkets and fast food and 0.35 on fuel, telecom and government payments — while the ⃃ 2,100 annual fee applies from year one with no waiver.

Annual fee

⃃ 2,100/year
Offer
Welcome offer300,000 TouchPoints
How to unlockOn card activation & fee payment · New primary cardholders only — credited after paying the annual fee and the total outstanding of the first or second statement

Rewards rate

3xAdvertised as 'up to 3 TouchPoints per ⃃ 1' on retail spends; the reduced-rate categories below earn less
0.7xTouchPoints per ⃃ 1 on domestic supermarket spend
0.7xFast-food restaurants earn the reduced 0.7 rate
0.4xRetail purchases at merchants based in the European Economic Area earn 0.40 TouchPoints per ⃃ 1 equivalent

Key benefits

Top earn rate3x · Advertised as 'up to 3 TouchPoints per ⃃ 1' on retail spends; the reduced-rate categories below earn less
Lounge access14 visits / year
Cinema4 tickets a month
DiningUnlimited buy one, get one free at Caribou Coffee
Apply now

Key benefits

  • Lounge access: 14 visits / year14 complimentary visits per year to 1,200+ lounges, shared between primary and supplementary cardholders, plus 1 free guest per visit (extra guests USD 32 each). The first two visits are complimentary; after that, a non-⃃ transaction of at least USD 1 is required to keep complimentary access for 3 months at a time. The hero banner rounds this to 'over 1,000 lounges'.
  • Cinema: 4 tickets a monthFour buy-one-get-one movie tickets a month at VOX Cinemas, booked on the VOX website or app, covering standard, VIP, MAX, IMAX, GOLD, THEATRE by Rhodes and KIDS experiences — plus 25% off select single-item food and drinks and a free popcorn-and-drink size upgrade.
  • Dining: Unlimited buy one, get one free at Caribou CoffeeA complimentary beverage with every beverage purchased on the card at Caribou Coffee outlets in the UAE, all year round. The free item must be of equal or lesser value; excludes bottled beverages and delivery orders.
  • Instalments: 0% for up to 48 monthsDetails on the bank's site
  • Foreign fees: 2.99%
  • Travel insurance: Included
  • Fitness: Free UFC Gym access across the UAEFree access to UFC Gym facilities across the UAE (Silicon Central excluded), including group exercise classes, Wi-Fi and locker services. Ladies-only locations available. Cardholder only; classes need booking 24 hours ahead. An ⃃ 1 validation charge is made and reversed at reception.
  • Mastercard World Elite ConciergeLuxury lifestyle experts for travel planning, restaurant reservations and access to sold-out shows and events.

Why we chose it

Up to 3 TouchPoints per ⃃ and a 300,000-point welcome offer on a metal card exclusively for UAE nationals.

Pros

  • 300,000 TouchPoints welcome bonus — roughly ⃃ 1,800 of value by ADCB's own benchmark
  • Anniversary gift of up to 750,000 TouchPoints a year for high spenders
  • 2.50% monthly retail interest rate, below ADCB's standard 3.25%
  • Metal laser-etched card with 14 lounge visits, 6 Careem airport rides and UFC Gym access
  • Four VOX buy-one-get-one tickets a month including THEATRE, plus unlimited Caribou BOGO
  • Accessible ⃃ 10,000 minimum salary for a World Elite card

Cons

  • Exclusively for UAE nationals — residents and expats cannot apply
  • ⃃ 2,100 annual fee with no first-year waiver, and ⃃ 1,050 per supplementary card
  • 2.99% foreign currency fee on non-⃃ spend
  • Everyday categories are heavily de-rated: 0.7 points at supermarkets and fast food, 0.35 on fuel, telecom and government payments
  • Anniversary TouchPoints only unlock at ⃃ 250,000+ annual spend and require paying the next year's fee
Annual fee⃃ 2,100
Minimum salary⃃ 10,000/month
Foreign transaction fee2.99%
0% installment planUp to 48 months
Lounge access14 visits / year
Welcome offer300,000 TouchPoints · On card activation & fee payment · New primary cardholders only — credited after paying the annual fee and the total outstanding of the first or second statement
Interest rate2.5% per month
NetworkMastercard World Elite

Frequently asked questions

Roughly half a fils to one fils per point depending on the redemption channel — the ADCB travel portal typically returns the most.

Yes — two years after they are earned. Set a reminder to redeem before your oldest points lapse.

Yes — utility and telecom bill payments are a standard redemption channel, alongside travel, vouchers and statement credit.

How we chose these cards

Yajool's editors score every UAE card on the same four pillars — rewards value, travel benefits, fees & costs, and eligibility. Category winners are re-checked monthly against current public offers. Read our full ratings methodology and see how the top pick performed in our Skywards Infinite editorial review.

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