Best ADCB TouchPoints Credit Cards in the UAE
ADCB credit cards that earn TouchPoints, compared.
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Good to know
TouchPoints Platinum, TouchPoints Infinite and Private World Elite by earn rate, fee and salary.
Entry TouchPoints card
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
≈ AED 3,028 potential value / year · incl. perks
10,000 Touchpoints for spends of AED 10,000
Vox Cinema Buy one Get one offer
20% off on talabat orders
Higher earn rate
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Infinite Credit Card
≈ AED 5,308 potential value / year · incl. perks · incl. welcome bonus
15,000 Touchpoints for spends of AED 15,000
Welcome Bonus: AED 1,200 Expedia.ae Voucher
20% off on talabat orders
Highest earn rate
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Private World Elite Credit Card
≈ AED 9,120 potential value / year · incl. perks
Annual Fee: AED 7,875
Up to 4 TouchPoints per AED spent
Low foreign currency transaction fee of 0.99%
Unlimited airport lounge access
Best ADCB TouchPoints Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 630 | AED 5,000 | 1 TouchPoint per AED, plus a monthly bonus once spend reaches the card's threshold |
| AED 1,050 | AED 25,000 | 1.5 TouchPoints per AED, a spend-based welcome bonus and an annual AED 1,200 Hotels.com voucher |
| AED 7,875 | N/A | 4 TouchPoints per AED and a 0.99% foreign-currency fee; ADCB Private clients only |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 630 | AED 5,000 | 1 TouchPoint per AED, plus a monthly bonus once spend reaches the card's threshold |
| AED 1,050 | AED 25,000 | 1.5 TouchPoints per AED, a spend-based welcome bonus and an annual AED 1,200 Hotels.com voucher |
| AED 7,875 | N/A | 4 TouchPoints per AED and a 0.99% foreign-currency fee; ADCB Private clients only |
ADCB TouchPoints Platinum Credit Card
Annual feeAED 630
Min. salaryAED 5,000
Highlight1 TouchPoint per AED, plus a monthly bonus once spend reaches the card's threshold
ADCB TouchPoints Infinite Credit Card
Annual feeAED 1,050
Min. salaryAED 25,000
Highlight1.5 TouchPoints per AED, a spend-based welcome bonus and an annual AED 1,200 Hotels.com voucher
ADCB Private World Elite Credit Card
Annual feeAED 7,875
Min. salaryN/A
Highlight4 TouchPoints per AED and a 0.99% foreign-currency fee; ADCB Private clients only
November Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose a TouchPoints card
1.
One programme, three earn rates
All three cards earn TouchPoints into the same balance, so the choice comes down to how many points each AED returns and which salary tier you qualify for.
2.
Platinum's monthly bonus matters
TouchPoints Platinum adds a fixed bonus in any month your spend reaches its threshold. On a main household card that bonus can match the base earn.
3.
Everyday categories still earn
Supermarkets, auto dealers and insurance earn 0.4 TouchPoints per AED, and fuel, education, government, telecom and transport earn 0.2. Many rewards cards pay nothing on those.
4.
Value depends on redemption
1,000 TouchPoints are worth AED 6 at Max and e-commerce partners but AED 4 as vouchers or bill payments. The [ADCB TouchPoints value guide](/loyalty/adcb-touchpoints) values a balance at each option.
How to choose a TouchPoints card
1.
Start from your salary
Below AED 40,000 a month, TouchPoints Platinum (from AED 8,000) is the only TouchPoints card open to you. From AED 40,000 you can choose Infinite, and Private World Elite is by ADCB Private relationship.
2.
Check whether you will reach Platinum's monthly bonus
The bonus pays only in months your spend crosses the card's threshold. If the card will carry most of your household spend, count the bonus; if it is a second card, compare on the base rate alone.
3.
Weigh the fee against the earn
Moving from Platinum (AED 630) to Infinite (AED 1,050) adds 0.5 TouchPoints per AED and a Hotels.com voucher. Price your own monthly spend in the calculator below before upgrading.
What each card earns on a typical month
Adjust your monthly spending to see how cashback changes across cards.
Grocery, Automotive +3 more
0.24%
AED 0
0.24% · AED 0
Grocery, Automotive +3 more
0.24%
AED 0
0.24% · AED 0
Fuel, Education +5 more
0.12%
AED 0
0.12% · AED 0
Fuel, Education +5 more
0.12%
AED 0
0.12% · AED 0
Other Spends
0.6%
AED 0
0.6% · AED 0
Other Spends
0.9%
AED 0
0.9% · AED 0
Visa Airport Companion Lounge Access
AED 736
Visa Airport Companion Lounge Access
AED 2,760
Movie Tickets
AED 528
Movie Tickets
AED 528
Annual rewards
AED 0
Annual rewards
AED 0
Effective annual fee
– AED 630
Ongoing
Effective annual fee
– AED 1,050
Ongoing
Annual rewards after fees
– AED 630
Ongoing
Annual rewards after fees
– AED 1,050
Ongoing
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
3 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee for the First Year
- 10,000 Touchpoints for spends of AED 10,000
- Vox Cinema Buy one Get one offer
- 20% off on talabat orders
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Infinite Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,050
- 15,000 Touchpoints for spends of AED 15,000
- Welcome Bonus: AED 1,200 Expedia.ae Voucher
- 20% off on talabat orders
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Private World Elite Credit Card
- ADCB Private clients only
- Exclusive to clients of ADCB Private
- Annual Fee: AED 7,875
- Up to 4 TouchPoints per AED spent
- Low foreign currency transaction fee of 0.99%
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| TouchPoints Platinum | AED 8,000 monthly salary |
| TouchPoints Infinite | AED 40,000 monthly salary |
| Private World Elite | ADCB Private clients |
| TouchPoints Platinum | AED 8,000 monthly salary |
| TouchPoints Infinite | AED 40,000 monthly salary |
| Private World Elite | ADCB Private clients |
Approval is at ADCB's discretion. Check the current key facts statement with ADCB before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best ADCB TouchPoints Credit Cards in the UAE
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