ADCB TouchPoints Infinite Credit Card
1,200 Expedia stay voucher when you pay the first-year fee
at ADCB's secure site
See rates & fees.
Rewards rate
The TouchPoints Infinite earns its keep through perks, not points. Unlimited lounge access with a guest, free golf and the 1,200 Expedia voucher comfortably outweigh the 1,050 fee — but only if you use them. The rewards rate alone, at roughly 0.75% back, wouldn't justify the card.
Earning and redeeming TouchPoints
The card earns up to 1.5 TouchPoints per 1 on most retail spend, plus a recurring 15,000 bonus TouchPoints in any month you spend 15,000. Watch the reduced categories though: supermarkets, fast food, insurance and auto dealers earn 0.4 per , while fuel, education, government services, real estate, telecom, charity and transport earn just 0.2 — and UK/Europe purchases also drop to 0.4.
TouchPoints are worth about 0.005 each (200,000 points ≈ 1,000). You can redeem instantly at thousands of UAE merchants, pay utility bills and Salik, pay your card balance, or exchange for Emirates Skywards Miles. Points stay valid for 3 years from the month they're earned.
Rates and fees
- Annual fee
- 1,050 incl. VAT (Aspire segment; 525 for Excellency). Not waived — but paying it in year one triggers the 1,200 Expedia voucher.
- Interest rate
- 3.69% per month (44.28% APR) on retail purchases and cash advances.
- Interest-free period
- 25–55 days, if you pay the full amount due by the due date.
- Foreign transaction fee
- 2.99% ADCB margin on non- spend, plus roughly 1.15% Visa processing.
- Cash advance fee
- 3.15% or 105, whichever is higher.
- Late payment / over-limit
- 241.50 late fee; 288.75 over-limit fee.
- Minimum payment
- 5% or 100, whichever is higher.
- Minimum salary
- 30,000 per month, or eligibility for a credit limit of at least 30,000.
Rates from ADCB's Schedule of Fees (Ver.46/Feb 2026) and Credit Cards KFS; all fees include 5% VAT. Annual fee varies by ADCB customer segment.
Card benefits
Unlimited lounge access
1,200+ lounges worldwide for you plus one guest per visit, via the Visa Airport Companion app — supplementary cardholders included. Extra guests USD 32.
1,200 Expedia voucher
A 2-night stay voucher for hotels worldwide on Expedia.ae, issued within 60 days of paying the first-year annual fee. Valid 6 months.
Free golf
Complimentary rounds all year at Arabian Ranches Golf Club and Abu Dhabi Golf Club when you spend 5,000+ a month on the card.
Cinema & coffee BOGO
Buy-1-get-1 VOX tickets (up to 4 free per month, incl. Gold) with 25% off snacks, plus unlimited buy-1-get-1 at Caribou Coffee.
Talabat & Noon discounts
20% off 4 Talabat orders a month (code ADCBINF, up to 20 each) and 15% off one Noon.com order a month (up to 100).
Multi-trip travel insurance
Emergency medical up to USD 1M, personal accident up to USD 500K and trip cancellation up to USD 7,500 — covering spouse and up to 5 children, trips up to 90 days.
Pros and cons
- 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
- 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
Is it right for you?
Get this card if
- You earn 30,000+ and want lounge access with a guest on every trip
- You'll actually use the golf, VOX, Caribou, Talabat and Noon perks monthly
- You'll pay the fee anyway — the 1,200 Expedia voucher offsets it in year one
Consider skipping it if
- You want pure rewards value — ~0.75% back doesn't justify 1,050 a year
- Most of your spend is supermarkets, fuel or education (0.2–0.4 points per )
- You spend a lot abroad — the ~4% total FX cost eats the rewards
Alternatives to consider
ADCB's Traveller World Elite charges 0% foreign-currency margin — a far better companion for international spend than the Infinite's 2.99%.
Best travel cards →
Earns Skywards Miles directly with strong Emirates earn rates and unlimited lounge access — more valuable than converting TouchPoints.
Best Skywards cards →
ADCB's 365 Cashback pays cash instead of points, with a much lower fee — simpler value if you don't care about lounges and golf.
Best cashback cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee for the ADCB TouchPoints Infinite Credit Card?+
AED 1,050 including VAT (for ADCB Aspire customers; Excellency customers pay AED 525). The fee is not waived, but paying it in the first year earns you an AED 1,200 Expedia.ae 2-night stay voucher.
What is the minimum salary requirement?+
AED 30,000 per month, or eligibility for a credit limit of at least AED 30,000.
How many TouchPoints do I earn per dirham?+
Up to 1.5 TouchPoints per AED 1 on most retail spend. Supermarkets, fast food, auto dealers and insurance earn 0.4; fuel, education, government services, real estate, telecom, charity and transport earn 0.2; UK/Europe purchases earn 0.4.
What are TouchPoints worth?+
About AED 0.005 each — 200,000 TouchPoints are worth roughly AED 1,000 depending on how you redeem (merchant redemption, utility bills and Salik, card payment, or exchange to Emirates Skywards Miles).
Does the card include airport lounge access?+
Yes — unlimited access to over 1,200 lounges worldwide for you plus one guest per visit, via the Visa Airport Companion app. Supplementary cardholders get access too. Extra guests cost USD 32 per visit.
Do TouchPoints expire?+
Yes. TouchPoints are valid for 3 years from the end of the month in which they are earned.
Is there a monthly bonus?+
Yes — spend AED 15,000 in a calendar month and receive 15,000 bonus TouchPoints, credited within 30 days of month end.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.