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, fast-food restaurants, fuel and government spend.

The card offers 15,000 bonus TouchPoints in an eligible month when you spend AED 15,000 or more, plus a one-time AED 1,200 Expedia.ae hotel voucher for a two-night stay, issued when you pay your first-year annual membership fee.

Expedia's exclusion list for ADCB vouchers covers the whole Marriott group (including Ritz-Carlton, St. Regis, W, Westin, Sheraton and JW Marriott), Hilton, IHG, Radisson, Wyndham, Best Western, Four Seasons, Mandarin Oriental, Rosewood, Taj and Premier Inn. In the UAE it also excludes Emaar Hospitality, Rove, Atlantis and One&Only. Accor, Hyatt, Jumeirah and Rotana are not on the list. Expedia updates the list without notice, so check Expedia's ADCB exclusion list before booking.

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. 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 must be at least 18 years old and have a minimum monthly salary of AED 25,000 or eligibility for a credit limit of at least AED 25,000.