TouchPoints Platinum Credit Card review
The card earns up to 1 TouchPoint per AED on all spends, with reduced rates on select categories, plus a 10,000 TouchPoints monthly bonus when you meet the minimum spend. TouchPoints can be redeemed at UAE merchants, against utility bills and Salik, as card payment, or converted to Emirates Skywards or Etihad Guest Miles.
Lifestyle and travel benefits round out the package with complimentary worldwide lounge access, complimentary golf tee times, 20% off talabat orders and buy-one-get-one movie tickets at VOX Cinemas. The first year is free before an annual fee of up to AED 630 applies.
Accessible from a AED 8,000 salary, the TouchPoints Platinum suits mid-income customers who want a taste of premium perks without the top-tier salary requirement.
Card details
| Bank | ADCB |
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| Card type | Rewards |
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| Card network | Mastercard |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 630 |
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| 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 |
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| Interest (monthly) | 3.69% |
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| Reward type | TouchPoints |
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| Reward rate | Up to 1 TouchPoint per AED on all spends, with reduced rates on select categories (per program rules)A monthly bonus of 10,000 TouchPoints is subject to meeting a minimum spend requirement TouchPoints are redeemable at UAE merchants, for utility bills and Salik, as card payment, or converted to Emirates Skywards or Etihad Guest Miles. ADCB values each TouchPoint at approximately AED 0.006 |
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| Lounge access | Complimentary worldwide airport lounge access |
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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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TouchPoints Platinum Credit Card benefits
✓Up to 1 TouchPoint per AED on all spends
✓10,000 TouchPoints monthly bonus
✓First year free
✓Complimentary worldwide airport lounge access
✓20% off talabat orders
✓Buy-one-get-one free movie tickets at VOX Cinemas
✓Complimentary golf tee times
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest plans available
TouchPoints Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% per annum |
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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% (non-AED transaction margin, other cards) |
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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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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 customers who want lounge access and TouchPoints rewards alongside lifestyle perks.
What works well
- ✓Lounge access and golf at a mid-tier salary requirement
- ✓First year free
- ✓10,000 bonus TouchPoints every month
What to weigh up
- −Annual fee from year 2 of up to AED 630
- −Monthly bonus requires a minimum spend
TouchPoints Platinum Credit Card eligibility
Open to those earning a minimum salary of AED 8,000, or meeting a minimum credit limit eligibility of AED 15,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
TouchPoints Platinum Credit Card FAQs
Open to those earning a minimum salary of AED 8,000, or meeting a 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 (per program rules)
It suits mid-income customers who want lounge access and TouchPoints rewards alongside lifestyle perks.
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.
