TouchPoints Gold Card (Islamic) review
The card earns up to 0.5 TouchPoints per AED on all spends, with reduced rates on select categories under the program rules. A monthly bonus of 5,000 TouchPoints is available when you meet the minimum spend requirement, and the VOX offer needs no minimum spend to enjoy.
Everyday value comes from buy-one-get-one-free movie tickets at VOX Cinemas and discounts at more than 1,400 UAE restaurants. There is no lounge access, keeping the card firmly in entry-level territory, but it also carries no annual fee for life.
TouchPoints can be redeemed at UAE merchants, applied to utility bills and Salik, converted to Emirates Skywards Miles, or used as a card payment. With an AED 5,000 salary bar, this covered card is a sensible first Shari'ah-compliant rewards card for newcomers.
Card details
| Bank | ADCB |
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| Card type | Islamic |
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| Card network | Visa |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free - no annual fee on all tiers (per ADCB Islamic Schedule of Fees) |
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| Interest (monthly) | 3.69% |
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| Reward type | TouchPoints |
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| Reward rate | Up to 0.5 TouchPoints per AED on all spends, with reduced rates on select categories under the program rulesA monthly bonus of 5,000 TouchPoints applies once you meet the minimum spend requirement; the VOX offer carries no minimum spend A Shari'ah-compliant covered card. TouchPoints can be redeemed at UAE merchants, put towards utility bills and Salik, converted to Emirates Skywards Miles, or applied as a card payment. ADCB values each TouchPoint at roughly AED 0.006 |
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| Lounge access | Not listed as a core benefit |
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| Quick cash | PayOrder facility, an Islamic cash facility, available |
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| Balance transfer | PayOrder facility available |
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| Instalment plan | 0% payment plans available |
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TouchPoints Gold Card (Islamic) benefits
✓Shari'ah-compliant covered card
✓Up to 0.5 TouchPoints per AED on all spends
✓5,000 bonus TouchPoints every month
✓Free for life with no annual fee
✓Buy-one-get-one-free movie tickets at VOX Cinemas
✓Discounts at 1,400+ UAE restaurants
Offers and payment options
Quick cashPayOrder facility, an Islamic cash facility, available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
TouchPoints Gold Card (Islamic) fees & charges
| Annual percentage rate (APR) | 44.28% per annum (3.69% monthly profit rate x 12) |
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| Cash advance fee | 3.15% or AED 105, whichever is higher (Cash withdrawal fee, SoF, VAT-incl) |
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| Late payment fee | AED 241.50 (Donation for Late Payment, SoF, VAT-incl) |
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| Foreign currency fee | 2.99% of transaction (bank Foreign currency transaction margin) plus approx 1.15% Visa/Mastercard processing fee |
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| Minimum payment | 5% of total utilised amount or AED 100, whichever is higher, plus all applicable fees and charges |
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| Interest-free period | 20 to 25 days profit-free period (payment due within 25 days of statement date) |
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| Card replacement fee | AED 78.75 (SoF, VAT-incl) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits entry-level UAE customers who want a free-for-life Shari'ah-compliant card that earns TouchPoints on everyday spending.
What works well
- ✓A Shari'ah-compliant free-for-life TouchPoints card
- ✓Accessible AED 5,000 salary requirement
- ✓VOX buy-one-get-one movie tickets with no minimum spend
What to weigh up
- −Modest earn rate of up to 0.5 TouchPoints per AED
- −No airport lounge access
TouchPoints Gold Card (Islamic) eligibility
Minimum salary of AED 5,000 or minimum credit limit eligibility of AED 3,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
TouchPoints Gold Card (Islamic) FAQs
Minimum salary of AED 5,000 or minimum credit limit eligibility of AED 3,000
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Up to 0.5 TouchPoints per AED on all spends, with reduced rates on select categories under the program rules
It suits entry-level UAE customers who want a free-for-life Shari'ah-compliant card that earns TouchPoints on everyday spending.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
