ADCB TouchPoints Credit Card 2026: Gold, Platinum, Titanium & Infinite Benefits Guide
If you want a credit card that rewards every dirham you spend with flexible points, the adcb touchpoints credit card family is an excellent choice. ADCB’s TouchPoints program allows you to earn points on all purchases, which can be redeemed for cashback, shopping vouchers, airline miles, and more. Depending on your income and spending habits, you can choose from the adcb touchpoints platinum credit card, adcb touchpoints titanium credit card, adcb touchpoints infinite credit card, or the entry‑level adcb touchpoints gold credit card. Understanding adcb touchpoints gold credit card benefits, adcb touchpoints titanium credit card benefits, and the perks of higher tiers helps you maximize your rewards.
This comprehensive guide covers everything you need to know about ADCB TouchPoints credit cards – from earning rates and redemption options to fees, eligibility, and how to apply.
Table of Contents
ADCB TouchPoints Credit Card – Overview
ADCB TouchPoints Gold Credit Card Benefits – Entry Level
ADCB TouchPoints Platinum Credit Card – Mid‑Tier Rewards
ADCB TouchPoints Titanium Credit Card – Lifestyle & Cashback Hybrid
ADCB TouchPoints Titanium Credit Card Benefits – Detailed Breakdown
ADCB TouchPoints Infinite Credit Card – Ultimate Rewards
Comparison Table: All TouchPoints Cards
How to Earn and Redeem TouchPoints
Fees, Eligibility & Application
Frequently Asked Questions
Conclusion
1. ADCB TouchPoints Credit Card – Overview
The adcb touchpoints credit card is not a single card but a family of cards that earn ADCB’s proprietary TouchPoints rewards currency. TouchPoints can be redeemed for:
Cashback – 1,000 points = AED 25 credited to your statement.
Shopping vouchers – For Lulu, Carrefour, Sharaf DG, etc.
Airline miles – Convert to Etihad Guest or Emirates Skywards miles.
Gift cards – For many UAE retailers.
Charity donations – To selected organizations.
All adcb touchpoints credit card variants earn points on every purchase, with higher tiers offering accelerated earning rates and additional perks like lounge access, travel insurance, and valet parking.
The key difference between cards is the points earning rate and the accompanying lifestyle benefits.
2. ADCB TouchPoints Gold Credit Card Benefits – Entry Level
The adcb touchpoints gold credit card is the most accessible card in the TouchPoints family. It is designed for young professionals, students, or those with moderate income who want to start earning rewards without high fees.
ADCB TouchPoints Gold Credit Card Benefits:
| Benefit | Details |
|---|---|
| Earning rate | 0.75 TouchPoints per AED 1 spent |
| Welcome bonus | 2,000 TouchPoints (worth AED 50) after first spend |
| Lounge access | None |
| Travel insurance | Basic (up to USD 100,000) |
| Annual fee | AED 200 (waivable on spend AED 15,000/year) |
| Minimum income | AED 8,000 per month |
| Supplementary card | First free |
Adcb touchpoints gold credit card benefits also include purchase protection (90 days), extended warranty, and 0% installment plans at partner merchants. While it lacks lounge access, it is a solid starter card to build credit history and earn points.
3. ADCB TouchPoints Platinum Credit Card – Mid‑Tier Rewards
The adcb touchpoints platinum credit card offers a higher earning rate and adds lifestyle perks like lounge access and valet parking. It is suitable for regular travelers and mid‑income earners.
Key Features of ADCB TouchPoints Platinum Credit Card:
| Benefit | Details |
|---|---|
| Earning rate | 1 TouchPoint per AED 1 spent |
| Welcome bonus | 10,000 TouchPoints (AED 250) after spending AED 3,000 in first 60 days |
| Lounge access | 4 complimentary lounge visits per year |
| Travel insurance | Up to USD 250,000 |
| Valet parking | 4 complimentary valet uses per year |
| Annual fee | AED 500 (waivable on spend AED 40,000/year) |
| Minimum income | AED 15,000 per month |
The adcb touchpoints platinum credit card is a popular choice for professionals who travel a few times a year and want to earn decent points on everyday spending.
4. ADCB TouchPoints Titanium Credit Card – Lifestyle & Cashback Hybrid
The adcb touchpoints titanium credit card combines TouchPoints earning with cashback on select categories. It is ideal for those who want both point flexibility and direct cashback on groceries, fuel, and dining.
Key Features of ADCB TouchPoints Titanium Credit Card:
| Benefit | Details |
|---|---|
| Earning rate | 1 TouchPoint per AED 1 spent (on all purchases) |
| Cashback | 2% on groceries, fuel, dining (capped AED 150/month) |
| Welcome bonus | 5,000 TouchPoints (AED 125) after first spend |
| Lounge access | 2 complimentary lounge visits per year |
| Travel insurance | Basic (up to USD 150,000) |
| Valet parking | 2 complimentary valet uses per year |
| Annual fee | AED 300 (waivable on spend AED 25,000/year) |
| Minimum income | AED 10,000 per month |
The adcb touchpoints titanium credit card is a great hybrid – you earn TouchPoints on everything plus extra cashback on your most common spending categories.
5. ADCB TouchPoints Titanium Credit Card Benefits – Detailed Breakdown
To expand on adcb touchpoints titanium credit card benefits:
Dual rewards: You earn 1 TouchPoint per AED 1 on all spending, plus 2% cashback on groceries, fuel, and dining (up to AED 150/month total). This means effective return on those categories is approximately 2% cashback + points (worth another 0.25% if redeemed for cashback).
Lounge access: 2 visits per year – perfect for two trips or one round trip with a guest.
Valet parking: 2 uses at major malls (Dubai Mall, Mall of the Emirates, etc.).
Welcome bonus: 5,000 TouchPoints instantly after first purchase.
Annual fee waiver: Spend AED 25,000 in a year to waive the AED 300 fee.
Adcb touchpoints titanium credit card benefits also include purchase protection, extended warranty, and 0% installment plans. This card is ideal for moderate spenders who want a taste of premium perks.
6. ADCB TouchPoints Infinite Credit Card – Ultimate Rewards
The adcb touchpoints infinite credit card is the flagship card, offering the highest earning rate, unlimited lounge access, and premium travel benefits. It is designed for high‑net‑worth individuals and frequent international travelers.
Key Features of ADCB TouchPoints Infinite Credit Card:
| Benefit | Details |
|---|---|
| Earning rate | 1.5 TouchPoints per AED 1 spent (2 points on international spend) |
| Welcome bonus | 50,000 TouchPoints (AED 1,250) after spending AED 10,000 in first 60 days |
| Lounge access | Unlimited complimentary lounge visits worldwide |
| Travel insurance | Comprehensive up to USD 1.5 million |
| Golf | 6 free rounds per year |
| Valet parking | 12 complimentary valet uses per year |
| Concierge | 24/7 dedicated personal concierge |
| Foreign transaction fee | 0% (saves 2.5% on international purchases) |
| Annual fee | AED 1,500 (waivable on spend AED 200,000/year) |
| Minimum income | AED 30,000 per month |
The adcb touchpoints infinite credit card is for those who want the best of everything – unlimited lounge access, golf, concierge, and zero foreign transaction fees.
7. Comparison Table: All TouchPoints Cards
| Feature | Gold | Platinum | Titanium | Infinite |
|---|---|---|---|---|
| Earning rate (points/AED) | 0.75 | 1 | 1 | 1.5 (2 on int’l) |
| Welcome bonus (points) | 2,000 | 10,000 | 5,000 | 50,000 |
| Cashback on groceries/fuel/dining | No | No | 2% (cap AED 150) | No |
| Lounge access | No | 4/year | 2/year | Unlimited |
| Valet parking | No | 4/year | 2/year | 12/year |
| Travel insurance | Basic | USD 250k | USD 150k | USD 1.5M |
| Golf | No | No | No | 6 rounds/year |
| Foreign transaction fee | 2.5% | 2.5% | 2.5% | 0% |
| Annual fee (AED) | 200 | 500 | 300 | 1,500 |
| Min income (AED) | 8,000 | 15,000 | 10,000 | 30,000 |
8. How to Earn and Redeem TouchPoints
Earning TouchPoints:
Every adcb touchpoints credit card earns points on all retail spending (excluding cash advances, fees, and some government payments).
Bonus points are often available on specific categories (e.g., 5x points at Lulu during promotions).
Redeeming TouchPoints:
Log into ADCB Mobile App or internet banking.
Go to “TouchPoints” section.
Choose redemption option:
Cashback: 1,000 points = AED 25 (best value for most people).
Vouchers: Lulu, Carrefour, Sharaf DG, etc. (value similar to cashback).
Airline miles: Convert to Etihad Guest or Emirates Skywards (usually 2 points = 1 mile).
Gift cards: For many retailers.
Charity: Donate points to UAE‑based charities.
Points expire after 3 years of inactivity. As long as you use your card regularly, points remain valid.
9. Fees, Eligibility & Application
Eligibility Criteria:
| Card | Minimum Monthly Income |
|---|---|
| Gold | AED 8,000 |
| Platinum | AED 15,000 |
| Titanium | AED 10,000 |
| Infinite | AED 30,000 |
Common requirements: Age 21+, UAE resident with valid Emirates ID and visa, good credit history.
Fees:
| Fee Type | Gold | Platinum | Titanium | Infinite |
|---|---|---|---|---|
| Annual fee (waivable) | 200 | 500 | 300 | 1,500 |
| Late payment | 150 | 150 | 150 | 150 |
| Cash advance | 2.5% | 2.5% | 2.5% | 2.5% |
| Supplementary card | First free | First free | First free | First free |
How to Apply:
Visit ADCB website or mobile app.
Select “TouchPoints Credit Cards” and choose your tier.
Click “Apply Now” – fill in personal, employment, and income details.
Upload documents – passport, Emirates ID, salary certificate (or 3 months bank statements).
Submit – instant approval for many applicants.
Card delivered within 3‑7 working days.
Activate via the app.
Existing ADCB customers get faster approval. Salary transfer is not mandatory.
10. Frequently Asked Questions
Q1: What is the best adcb touchpoints credit card for most people?
The adcb touchpoints titanium credit card offers the best balance – 2% cashback on groceries/fuel/dining plus lounge access and a low annual fee (AED 300, waivable).
Q2: What are the main adcb touchpoints gold credit card benefits?
0.75 points per AED 1, welcome bonus of 2,000 points, basic travel insurance, and a low annual fee of AED 200 (waivable).
Q3: How do adcb touchpoints titanium credit card benefits compare to Platinum?
Titanium has 2% cashback on three categories and 2 lounge visits, while Platinum has no cashback but 4 lounge visits and higher travel insurance. Choose based on your preference.
Q4: Is the adcb touchpoints infinite credit card worth the high annual fee?
If you travel frequently, the unlimited lounge access, 0% foreign transaction fee, golf, and concierge easily justify the AED 1,500 fee. Plus, it is waivable on high spend.
Q5: Can I convert TouchPoints to Etihad Guest miles?
Yes, you can convert TouchPoints to Etihad Guest miles (typically 2 points = 1 mile). Check the app for current conversion rates.
Q6: Do TouchPoints expire?
Yes, after 3 years of no earning or redemption activity. Regular use keeps them active.
Q7: Can I get the adcb touchpoints platinum credit card with a salary of AED 12,000?
No, the minimum is AED 15,000. You may qualify for the Titanium card (AED 10,000) or Gold (AED 8,000).
Q8: How do I check my TouchPoints balance?
Log into the ADCB mobile app → TouchPoints section. Balance is updated after each statement.
11. Conclusion
The adcb touchpoints credit card family offers a card for every budget and lifestyle. The adcb touchpoints gold credit card is an excellent starter card with adcb touchpoints gold credit card benefits including basic rewards and a low fee. The adcb touchpoints platinum credit card adds lounge access and higher earning. The adcb touchpoints titanium credit card – with its adcb touchpoints titanium credit card benefits of 2% cashback plus lounge access – is the best all‑rounder. And the adcb touchpoints infinite credit card delivers ultimate luxury with unlimited lounge access and zero foreign fees.
Choose based on your monthly income and spending patterns. Apply online today and start earning TouchPoints on every dirham.
For more credit card guides and UAE financial advice, visit https://www.khaleej2uae.com/ regularly.
