TouchPoints Infinite Card (Islamic) review
Every purchase earns up to 1.5 TouchPoints per AED, with reduced rates on select categories under the program rules. A monthly bonus of 15,000 TouchPoints is available once you meet the minimum spend requirement, while the VOX, Caribou, Noon and talabat offers require no minimum spend at all.
The travel credentials are strong: unlimited worldwide lounge access for you and one guest, the DragonPass Dine & Fly program, multi-trip travel insurance, complimentary golf tee times and a global concierge. New cardholders also receive an AED 1,200 welcome voucher good for a 2-night hotel stay, subject to the membership fee.
TouchPoints are versatile, redeemable at UAE merchants, against utility bills and Salik, converted to Emirates Skywards Miles at 22 TP to 1 Mile, or used as a card payment. With a AED 30,000 salary bar, this covered card is best matched to affluent customers who value faith-aligned, travel-led rewards.
Card details
| Bank | ADCB |
|---|
| Card type | Islamic |
|---|
| Card network | Visa |
|---|
| Minimum salary | AED 30,000 |
|---|
| Annual fee | AED 1,050 |
|---|
| Fee waiver | AED 1,050 for the Aspire and Privilege Club tiers; AED 525 for the Excellency tier. No standard waiver stated |
|---|
| Interest (monthly) | 3.69% |
|---|
| Reward type | TouchPoints |
|---|
| Reward rate | Up to 1.5 TouchPoints per AED on all spends, with reduced rates on select categories under the program rulesA monthly bonus of 15,000 TouchPoints applies once you meet the minimum spend requirement; the VOX, Caribou, Noon and talabat offers carry 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 at 22 TP = 1 Mile, or applied as a card payment. ADCB values each TouchPoint at roughly AED 0.006 |
|---|
| Welcome bonus | An AED 1,200 welcome voucher covering a 2-night hotel stay worth AED 1,200, subject to payment of the membership feePay first-year annual fee | Voucher worth AED 1,200 for a 2-night hotel stay | Redeemable at www.expedia.ae/adcb | Code issued within 60 days of fee payment | Voucher valid for 6 months |
|---|
| Lounge access | Unlimited worldwide airport lounge access for the cardholder plus 1 free guest, with the DragonPass Dine & Fly airport dining program |
|---|
| Quick cash | PayOrder facility, an Islamic cash facility, available |
|---|
| Balance transfer | PayOrder facility available |
|---|
| Instalment plan | 0% payment plans available |
|---|
Welcome bonus: An AED 1,200 welcome voucher covering a 2-night hotel stay worth AED 1,200, subject to payment of the membership fee
Terms: Pay first-year annual fee | Voucher worth AED 1,200 for a 2-night hotel stay | Redeemable at www.expedia.ae/adcb | Code issued within 60 days of fee payment | Voucher valid for 6 months
TouchPoints Infinite Card (Islamic) benefits
✓Shari'ah-compliant covered card
✓Up to 1.5 TouchPoints per AED on all spends
✓15,000 bonus TouchPoints every month
✓AED 1,200 welcome voucher for a 2-night hotel stay
✓Unlimited worldwide lounge access plus 1 guest
✓Multi-trip travel insurance
✓Complimentary golf tee times and global concierge
Offers and payment options
Quick cashPayOrder facility, an Islamic cash facility, available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
TouchPoints Infinite Card (Islamic) fees & charges
| Annual percentage rate (APR) | 44.28% per annum (3.69% monthly profit rate x 12) |
|---|
| Cash advance fee | 3.15% or AED 105 (whichever is higher) |
|---|
| Late payment fee | AED 241.50 (Donation for Late Payment) |
|---|
| Foreign currency fee | 2.99% (non-AED transaction margin) |
|---|
| Minimum payment | 5% or AED 100 whichever is higher |
|---|
| Interest-free period | 20 to 25 days (profit-free period) |
|---|
| Card replacement fee | AED 78.75 |
|---|
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 high-income UAE professionals who want a Shari'ah-compliant premium travel card that earns TouchPoints across every purchase.
What works well
- ✓A Shari'ah-compliant premium travel card
- ✓Unlimited lounges with a guest plus travel insurance
- ✓15,000 bonus TouchPoints each month
What to weigh up
- −Steep AED 30,000 salary requirement
- −Annual fee of up to AED 1,050
- −The monthly bonus is conditional on minimum spend
TouchPoints Infinite Card (Islamic) eligibility
Minimum salary of AED 30,000 or minimum credit limit eligibility of AED 40,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
TouchPoints Infinite Card (Islamic) FAQs
Minimum salary of AED 30,000 or minimum credit limit eligibility of AED 40,000
The listed annual fee is AED 1,050. AED 1,050 for the Aspire and Privilege Club tiers; AED 525 for the Excellency tier. No standard waiver stated
Up to 1.5 TouchPoints per AED on all spends, with reduced rates on select categories under the program rules
It suits high-income UAE professionals who want a Shari'ah-compliant premium travel card that earns TouchPoints across every purchase.
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.
