ADCB TouchPoints Platinum Credit Card

The joining fee is free, and one of the card's listed features is "No Annual Fee for the First Year." The annual fee itself, per the card's key highlights, is AED 630. If you carry a balance, the standard rate is 3.25% per month, which works out to 39% per annum.

You need a minimum monthly salary of AED 8,000 and a minimum age of 18. No minimum credit limit is specified in the card's eligibility criteria beyond those two requirements.

You earn 1 TouchPoint per AED 1 on general retail spend. Reduced rates of 0.4 TouchPoints per AED 1 apply to supermarkets, auto dealers, insurance, and UK/Europe (EEA) retail purchases, while fuel, education, government, real estate, telecom, charity and transport spend earns 0.2 TouchPoints per AED 1. Utility bill payments earn the full 1 TouchPoint per AED 1, but only on bill spend under AED 3,500 a month.

Yes. Spend AED 10,000 or more in a given month and you earn a 10,000 TouchPoint bonus on top of your regular earn rate for that month. This is a recurring monthly perk tied to your own spend level rather than a one-time signup bonus, since the card has no separate welcome offer listed.

Cardholders get 4 complimentary lounge visits per year across 25+ lounges worldwide through the Mastercard Travel Pass programme. That allowance is shared between the primary cardholder and any supplementary cardholders. Additional visits beyond the 4 are charged at USD 32 per person per visit.

The card includes complimentary, year-round golf rounds at Arabian Ranches Golf Club and Abu Dhabi Golf Club. To qualify for a given month, you need to spend at least AED 5,000 on the card that month. Rounds are booked one at a time on a first-come, first-served basis, with no published monthly cap on the number of rounds.