TouchPoints Platinum Card (Islamic) review
Spending earns up to 1 TouchPoint per AED across the board, with reduced rates on select categories per the program rules. A monthly bonus of 10,000 TouchPoints is on offer once you meet the minimum spend requirement, giving regular spenders a reason to consolidate purchases on the card.
Lifestyle and travel perks include complimentary worldwide airport lounge access, complimentary golf tee times and 20% off talabat orders. The card is free for the first year, after which the fee is AED 630 on the Aspire tier or AED 315 on the Privilege Club tier.
TouchPoints can be spent at UAE merchants, applied to utility bills and Salik, converted to Emirates Skywards Miles, or used as a card payment. With an AED 8,000 salary requirement, this covered card fits customers who want faith-aligned rewards and lounge access without a premium price tag.
Card details
| Bank | ADCB |
|---|
| Card type | Islamic |
|---|
| Card network | Visa |
|---|
| Minimum salary | AED 5,000 |
|---|
| Annual fee | AED 630 |
|---|
| Fee waiver | First year free, then AED 630 for the Aspire tier or AED 315 for the Privilege Club tier from the second year onwards |
|---|
| Interest (monthly) | 3.69% |
|---|
| Reward type | TouchPoints |
|---|
| Reward rate | Up to 1 TouchPoint per AED on all spends, with reduced rates on select categories under the program rulesA monthly bonus of 10,000 TouchPoints applies once you meet the minimum spend requirement 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 |
|---|
| Lounge access | Complimentary airport lounge access worldwide |
|---|
| Quick cash | PayOrder facility, an Islamic cash facility, available |
|---|
| Balance transfer | PayOrder facility available |
|---|
| Instalment plan | 0% payment plans available |
|---|
TouchPoints Platinum Card (Islamic) benefits
✓Shari'ah-compliant covered card
✓Up to 1 TouchPoint per AED on all spends
✓10,000 bonus TouchPoints every month
✓Free for the first year
✓Complimentary worldwide airport lounge access
✓20% off talabat orders
✓Complimentary golf tee times
Offers and payment options
Quick cashPayOrder facility, an Islamic cash facility, available
Balance transferPayOrder facility available
Instalment plan0% payment plans available
TouchPoints Platinum 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 (Cash withdrawal fee, SoF, VAT-incl) |
|---|
| Late payment fee | AED 241.50 (Donation for Late Payment, SoF, VAT-incl) |
|---|
| Foreign currency fee | 2.99% of transaction (bank Foreign currency transaction margin) plus approx 1.15% Visa/Mastercard processing fee |
|---|
| Minimum payment | 5% of total utilised amount or AED 100, whichever is higher, plus all applicable fees and charges |
|---|
| Interest-free period | 20 to 25 days profit-free period (payment due within 25 days of statement date) |
|---|
| Card replacement fee | AED 78.75 (SoF, VAT-incl) |
|---|
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 mid-income UAE customers who want a Shari'ah-compliant rewards card that still includes worldwide lounge access.
What works well
- ✓Shari'ah-compliant with lounge access and golf
- ✓Free for the first year
- ✓10,000 bonus TouchPoints each month
What to weigh up
- −An annual fee of up to AED 630 kicks in from year two
- −The monthly bonus is conditional on minimum spend
TouchPoints Platinum Card (Islamic) eligibility
Minimum salary of AED 8,000 or minimum credit limit eligibility of AED 15,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
TouchPoints Platinum Card (Islamic) FAQs
Minimum salary of AED 8,000 or minimum credit limit eligibility of AED 15,000
The listed annual fee is AED 630. First year free, then AED 630 for the Aspire tier or AED 315 for the Privilege Club tier from the second year onwards
Up to 1 TouchPoint per AED on all spends, with reduced rates on select categories under the program rules
It suits mid-income UAE customers who want a Shari'ah-compliant rewards card that still includes worldwide lounge access.
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.
