ADCB TouchPoints Infinite Credit Card

Up to 1.5 TouchPoints per AED 1 on general spend, with reduced rates of 0.4 or 0.2 TouchPoints per AED 1 on select categories such as supermarkets, fuel and government spend.

The card offers 15,000 bonus TouchPoints in an eligible month when you spend AED 15,000 or more. Its separate recurring hotel benefit is one AED 1,200 Hotels.com voucher per year for a two-night stay.

Yes, the joining fee is free for the first year, and the annual fee is AED 1,050 from the second year.

The card gives unlimited complimentary access to more than 1,200 airport lounges worldwide, covering the cardholder plus one guest per visit. You register the card in the Visa Airport Companion app before you travel. Any additional guests beyond the first are charged at the programme's standard rate.

Cardholders get complimentary golf year-round at Arabian Ranches Golf Club and Abu Dhabi Golf Club, with no published cap on the number of rounds per month. The benefit requires a minimum of AED 5,000 in card spend that month, and rounds are booked one at a time on a first-come, first-served basis.

You need a minimum monthly salary of AED 40,000 and must be at least 21 years old to qualify for this Visa Infinite card. No separate minimum credit limit is listed beyond the income requirement. These are the only two eligibility criteria published for the card.