TouchPoints Infinite Credit Card review
Cardholders earn up to 1.5 TouchPoints per AED on all spends, with reduced rates on select categories like fuel, government and telecom, plus a 15,000 TouchPoints monthly bonus on meeting the minimum spend. Points are highly flexible, redeemable at thousands of UAE merchants, against utility bills and Salik, as card payment, or converted to Emirates Skywards at 22 TouchPoints per Mile from November 2024 and to Etihad Guest Miles.
The travel line-up is extensive: unlimited worldwide lounge access with a free guest, the DragonPass Dine & Fly program, multi-trip travel insurance, complimentary golf tee times, global concierge and buy-one-get-one offers at VOX Cinemas and Caribou Coffee, alongside a welcome voucher for a 2-night hotel stay worth AED 1,200.
Requiring a AED 40,000 salary and carrying a fee of up to AED 1,050, the TouchPoints Infinite is built for affluent customers who travel often and want maximum rewards and lounge access.
Card details
| Bank | ADCB |
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| Card type | Premium |
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| Card network | Visa |
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| Minimum salary | AED 30,000 |
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| Annual fee | AED 1,050 |
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| Fee waiver | AED 1,050 for the Aspire and Privilege Club tiers, or AED 525 for the Excellency tier, with no standard waiver stated |
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| Interest (monthly) | 3.69% |
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| Reward type | TouchPoints |
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| Reward rate | Up to 1.5 TouchPoints per AED on all spends, with reduced rates on select categories such as fuel, government, telecom and supermarkets (per program rules)A monthly bonus of 15,000 TouchPoints is subject to meeting a minimum spend requirement; VOX, Caribou, Noon and talabat offers require no minimum spend TouchPoints are redeemable at thousands of UAE merchants, for utility bills and Salik, as card payment, or converted to Emirates Skywards (22 TouchPoints = 1 Mile from November 2024) and Etihad Guest Miles. ADCB values each TouchPoint at approximately AED 0.006 |
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| Welcome bonus | AED 1,200 welcome voucher for a 2-night hotel stay worth AED 1,200, subject to membership fee paymentPay annual membership fee (first year) | Voucher issued within 60 days of annual fee payment | Redeem at expedia.ae for stays of two nights (excluding selected properties) | Voucher valid 6 months from issue, stay completed before expiry |
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| Lounge access | Unlimited worldwide airport lounge access for the cardholder plus one free guest, with the DragonPass Dine & Fly airport dining program |
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| Quick cash | Credit card loan available |
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| Balance transfer | Card loan available |
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| Instalment plan | 0% interest plans available |
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Welcome bonus: AED 1,200 welcome voucher for a 2-night hotel stay worth AED 1,200, subject to membership fee payment
Terms: Pay annual membership fee (first year) | Voucher issued within 60 days of annual fee payment | Redeem at expedia.ae for stays of two nights (excluding selected properties) | Voucher valid 6 months from issue, stay completed before expiry
TouchPoints Infinite Credit Card benefits
✓Up to 1.5 TouchPoints per AED on all spends
✓15,000 TouchPoints monthly bonus
✓AED 1,200 welcome voucher for a 2-night hotel stay
✓Unlimited worldwide lounge access plus one guest
✓Multi-trip travel insurance
✓Complimentary golf tee times and global concierge
✓Buy-one-get-one free at VOX Cinemas and Caribou Coffee
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest plans available
TouchPoints Infinite Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% |
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| Cash advance fee | 3.15% or AED 105 (whichever is higher) |
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| Late payment fee | AED 241.50 |
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| Over-limit fee | AED 288.75 |
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| Foreign currency fee | 2.99% (Foreign Currency transaction margin, non-AED currency) plus approx 1.15% Visa/MC processing fee |
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| Minimum payment | 5% or AED 100 whichever is higher |
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| Interest-free period | 25 to 55 days |
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| Card replacement fee | AED 78.75 |
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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 high-income customers who want premium travel benefits and top-tier TouchPoints earning.
What works well
- ✓Highest TouchPoints earn tier with rich travel perks
- ✓Unlimited lounges plus a guest and travel insurance
- ✓15,000 bonus TouchPoints every month
What to weigh up
- −Very high salary requirement of AED 40,000
- −Annual fee of up to AED 1,050
- −Monthly bonus requires a minimum spend
TouchPoints Infinite Credit Card eligibility
Open to those earning a minimum salary of AED 40,000, or meeting a minimum credit limit eligibility of AED 50,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
TouchPoints Infinite Credit Card FAQs
Open to those earning a minimum salary of AED 40,000, or meeting a minimum credit limit eligibility of AED 50,000
The listed annual fee is AED 1,050. AED 1,050 for the Aspire and Privilege Club tiers, or AED 525 for the Excellency tier, with no standard waiver stated
Up to 1.5 TouchPoints per AED on all spends, with reduced rates on select categories such as fuel, government, telecom and supermarkets (per program rules)
It suits high-income customers who want premium travel benefits and top-tier TouchPoints earning.
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.
