ADCB TouchPoints Titanium and Gold Credit Card
No annual fee, with 5,000 bonus TouchPoints a month
at ADCB's secure site
See rates & fees.
Rewards rate
This is ADCB's honest freebie: no fee, modest points, and a monthly bonus that quietly doubles the earn rate for anyone spending AED 5,000 a month. It won't wow anyone — but a card that costs nothing doesn't need to.
Earning and redeeming TouchPoints
The card earns up to 0.5 TouchPoints per AED 1 on most retail spend. The real engine is the recurring bonus: spend AED 5,000 in a calendar month and get 5,000 bonus TouchPoints — at exactly that spend level, your effective rate doubles to about 1.5 points per AED. Reduced categories apply: supermarkets, fast food, insurance and auto dealers earn 0.4; 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 (100,000 points ≈ AED 500). 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 — no annual fee in any year, across all ADCB segments.
- 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.
Card benefits
5,000 bonus points monthly
Spend AED 5,000 in a calendar month and receive 5,000 bonus TouchPoints within 30 days of month end — doubling that month's earn.
VOX buy-1-get-1
Buy one ticket, get one free at VOX Cinemas on 2D Standard and 2D Max Standard screens — up to 2 free tickets a month.
Monthly Talabat discount
20% off one grocery or food order a month with code MASTERCARD, up to AED 14 (Mastercard Titanium variant).
0% school-fee instalments
Convert school and university fees into a 0% interest payment plan over up to 12 months.
Flexible redemption
Spend TouchPoints instantly at UAE merchants, on utility bills and Salik, on your card balance, or convert to Skywards Miles.
Full digital control
Apple Pay, Google Pay and Samsung Pay support, plus in-app card controls for limits, online, international and ATM transactions.
Pros and cons
- Genuinely free: no annual fee in any year, on any ADCB segment
- Low AED 5,000 minimum salary (or AED 3,000 credit limit eligibility)
- The AED 5,000 monthly-spend bonus doubles your effective earn to ~1 point per AED
- VOX buy-1-get-1 and a monthly Talabat discount at zero cost
- 0% school-fee instalments and full TouchPoints redemption flexibility
- Base earn of 0.5 TouchPoints per AED ≈ 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 AED
- 2.99% foreign-currency fee plus ~1.15% network processing
- Cinema offer is limited to 2D screens and 2 free tickets a month
Is it right for you?
Get this card if
- You want a no-fee card you can keep forever
- You spend around AED 5,000 a month — the bonus doubles your earn
- You're starting out: the AED 5,000 salary bar is among ADCB's lowest
Consider skipping it if
- You want lounge access or travel perks — this tier has none
- You'd earn more from a cashback card and don't care about TouchPoints
- You spend heavily abroad — ~4% total FX cost wipes out the points
Alternatives to consider
The TouchPoints Platinum doubles the earn rate and adds lounge visits, IMAX-included VOX offers and golf — free in year one, AED 630 after.
Best TouchPoints cards →
ADCB's Essential Cashback is also free but pays cashback instead of points — simpler value if you won't chase the monthly bonus.
Best cashback cards →
A grocery-focused co-brand card earns far more than 0.4 points per AED at the supermarket — worth comparing if that's your biggest category.
Best grocery 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
Does the ADCB TouchPoints Titanium/Gold card have an annual fee?+
No. The card has no annual fee — ADCB's Schedule of Fees lists Titanium and Gold cards as free for all customer segments.
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 0.5 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.
Is there a monthly bonus?+
Yes — spend AED 5,000 in a calendar month and receive 5,000 bonus TouchPoints, credited within 30 days of month end. That effectively doubles your earn in qualifying months.
What's the difference between the Titanium and Gold versions?+
They are the same product on two networks: the Titanium is a Mastercard and the Gold is a Visa. Earning is identical; the code-MASTERCARD Talabat offer applies to the Titanium, while Avis rental discounts apply to the Visa Gold.
Does the card include airport lounge access?+
No. Lounge access starts from the TouchPoints Platinum card in ADCB's lineup.
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.