ADCB TouchPoints Visa Signature
Earn 50,000 TouchPoints
Rewards rate
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Rates and fees
- Annual fee (year 1)
- AED 0 — waived
- Annual fee (year 2+)
- AED 524
- Minimum salary
- AED 10,000/month
- Foreign transaction fee
- 2.99%
- 0% installment plan
- Up to 12 months
- Lounge access
- 6 visits / year
- Welcome offer
- 50,000 TouchPoints · Spend AED 5,000 · 2 statements
- Interest rate
- 3.35% per month
- Network
- Visa Signature
Pros and cons
- First-year fee waived (AED 524 value)
- 50,000 TouchPoints welcome bonus
- Flexible redemption across travel, shopping and bills
- Strong dining and grocery earning
- 6 lounge visits per year
- Reasonable AED 10,000 minimum salary
- Fee becomes AED 524 after year one
- 2.99% foreign transaction fee
- Lounge visits capped at 6 per year
- TouchPoints value varies by redemption choice
- Bonus requires AED 5,000 spend in 60 days
- Interest applies if you carry a balance
Frequently asked questions
How do TouchPoints redemptions work?+
Redeem across travel, shopping vouchers, statement credit and bill payments — value varies by channel.
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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.