ADCB TouchPoints Platinum Credit Card
First year free, with VOX buy-1-get-1 and 20% off Talabat
at ADCB's secure site
See rates & fees.
Rewards rate
For a AED 5,000 salary card, the perks list is remarkable — IMAX-included cinema BOGO, Talabat discounts, even free golf. Just don't confuse it with a rewards card: half a percent back means the points alone will never repay the AED 630 renewal fee.
Earning and redeeming TouchPoints
The card earns up to 1 TouchPoint per AED 1 on most retail spend, and a recurring 10,000 bonus TouchPoints in any month you spend AED 10,000 — effectively doubling your earn in those months. Reduced categories apply: supermarkets, fast food, insurance and auto dealers earn 0.4 per AED; fuel, education, government, real estate, telecom, charity and transport earn 0.2; UK/Europe purchases earn 0.4.
TouchPoints are worth about AED 0.005 each (200,000 points ≈ AED 1,000). Redeem instantly at UAE merchants, pay utility bills and Salik, pay your card balance, or exchange for Emirates Skywards Miles. Points stay valid for 3 years.
Rates and fees
- Annual fee
- Free in year one for new customers; AED 630 incl. VAT from year two (Aspire segment; AED 315 Privilege, free Excellency).
- 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-AED spend, plus roughly 1.15% network processing.
- Cash advance fee
- 3.15% or AED 105, whichever is higher.
- Late payment / over-limit
- AED 241.50 late fee; AED 288.75 over-limit fee.
- Minimum payment
- 5% or AED 100, whichever is higher.
- Minimum salary
- AED 5,000 per month, or eligibility for a credit limit of at least AED 3,000.
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
VOX buy-1-get-1
Buy one ticket, get one free across IMAX, VIP, Standard and MAX Standard — up to 4 free tickets a month — plus 25% off candy-bar single items.
20% off Talabat
Up to AED 20 off per order on 2 orders a month with code ADCBPLAT. Mastercard holders get an extra monthly 20% grocery/food discount (code MASTERCARD, up to AED 14).
Free golf
Complimentary rounds at Arabian Ranches Golf Club and Abu Dhabi Golf Club when you spend AED 5,000+ a month on the card.
Airport lounge visits
Visa: 3 visits a year at 1,200+ lounges (Visa Airport Companion). Mastercard: 4 visits at 25+ lounges (Travel Pass, with an international-spend condition).
Purchase protection & warranty
Purchases protected for up to 365 days against theft and accidental damage, with manufacturer warranty automatically extended by up to 1 year.
Monthly bonus points
Spend AED 10,000 in a calendar month and get 10,000 bonus TouchPoints — roughly doubling that month's earn.
Pros and cons
- First-year annual fee waived for new customers
- Accessible AED 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 AED 10,000
- 365-day purchase protection and 1-year extended warranty
- AED 630 annual fee from year two is high for the rewards on offer
- Base earn of 1 TouchPoint per AED ≈ only 0.5% back
- Supermarkets, fuel, education and government spend earn just 0.2–0.4 points per AED
- 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
Is it right for you?
Get this card if
- You earn around AED 5,000–15,000 and want cinema, Talabat and golf perks
- You'll use the buy-1-get-1 VOX offer most months — that alone can cover the fee
- You want a free first year to trial ADCB's TouchPoints ecosystem
Consider skipping it if
- You want rewards value — ~0.5% back is below a good cashback card
- You rarely go to the cinema or order on Talabat — the renewal fee won't pay for itself
- You spend mostly on supermarkets, fuel or education (0.2–0.4 points per AED)
Alternatives to consider
The TouchPoints Infinite steps up to 1.5 points per AED, unlimited lounge access with a guest and an AED 1,200 Expedia voucher — for a AED 30,000 salary and AED 1,050 fee.
Best TouchPoints cards →
ADCB's 365 Cashback swaps points for straightforward cashback — usually better pure value if you won't use the lifestyle perks.
Best cashback cards →
The TouchPoints Titanium/Gold earns half the points but never charges an annual fee — a safer keep-forever card on the same program.
Best no-annual-fee 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 Platinum Credit Card?+
The first year is free for new customers. From year two the fee is AED 630 including VAT for ADCB Aspire customers (AED 315 for Privilege; free for Excellency).
What is the minimum salary requirement?+
AED 5,000 per month, or eligibility for a credit limit of at least AED 3,000.
How many TouchPoints do I earn per dirham?+
Up to 1 TouchPoint 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.
Is there a monthly bonus?+
Yes — spend AED 10,000 in a calendar month and receive 10,000 bonus TouchPoints, credited within 30 days of month end.
Does the card include airport lounge access?+
Yes. The Visa version gives 3 complimentary visits a year at 1,200+ lounges via the Visa Airport Companion app. The Mastercard version gives 4 visits at 25+ lounges via Mastercard Travel Pass, but after your first visit you must make an international transaction (min USD 1) every 3 months to keep free access.
Can I choose Visa or Mastercard?+
Yes — ADCB issues the TouchPoints Platinum as either Visa or Mastercard. Earning is identical; lounge access, Avis discounts and some Talabat offers differ by network.
Do TouchPoints expire?+
Yes. TouchPoints are valid for 3 years from the end of the month in which they are earned.
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.