TouchPoints Titanium/Gold Credit Card review
The card earns up to 0.5 TouchPoints per AED on all spends, with reduced rates on select categories, plus a 5,000 TouchPoints monthly bonus when the minimum spend is met. As across the program, points are redeemable at UAE merchants, against utility bills and Salik, as card payment, or converted to Emirates Skywards or Etihad Guest Miles.
Even at no cost, cardholders enjoy buy-one-get-one movie tickets at VOX Cinemas, the VOX offer needing no minimum spend, plus discounts at more than 1,400 UAE restaurants and 2-for-1 offers.
With a low AED 5,000 salary requirement and no lounge access, the TouchPoints Titanium/Gold is best for entry-level customers who want to start earning TouchPoints on everyday spending without paying a fee.
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 | Free for life |
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| Fee waiver | Free for life |
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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 (per program rules)A monthly bonus of 5,000 TouchPoints is subject to meeting a minimum spend requirement; the VOX offer needs no minimum spend 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 | Not listed as a core benefit |
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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 Titanium/Gold Credit Card benefits
✓Up to 0.5 TouchPoints per AED on all spends
✓5,000 TouchPoints monthly bonus
✓Free for life
✓Buy-one-get-one free movie tickets at VOX Cinemas
✓Discounts at 1,400+ UAE restaurants
✓2-for-1 offers
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest plans available
TouchPoints Titanium/Gold 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 entry-level customers who want a free-for-life TouchPoints card for everyday rewards.
What works well
- ✓Free-for-life entry into the TouchPoints program
- ✓Low salary requirement
- ✓VOX buy-one-get-one movie tickets with no minimum spend
What to weigh up
- −Low earn rate of up to 0.5 TouchPoints per AED
- −No airport lounge access
TouchPoints Titanium/Gold Credit Card eligibility
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
TouchPoints Titanium/Gold Credit Card FAQs
Open to those earning a minimum salary of AED 5,000, or meeting a 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 (per program rules)
It suits entry-level customers who want a free-for-life TouchPoints card for everyday rewards.
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.
