Lifestyle
Merchant
Optic Studio
30% discount on all products at Optic Studio
Valid until 15 Oct 2026
- Joining Fee
- Free
- Annual Fee
- AED 630
- Minimum Salary
- AED 5,000
ADCB TouchPoints Platinum Credit Card
A Mastercard Platinum card earning ADCB TouchPoints on every spend, free for the first year, with complimentary golf and lounge visits.
≈ AED 3,028 potential value / year · incl. perks
At a glance
Fees and eligibility
Joining FeeFree
Annual FeeAED 630
Minimum SalaryAED 5,000
Monthly Interest Rate
3.69%
International Transaction Fee (non-AED)
2.99%
Rewards
| Category | Rate |
|---|---|
Grocery, Automotive +3 more | 0.24% 0.4 points per AED |
Fuel, Education +5 more | 0.12% 0.2 points per AED |
All other spend | 0.6% 1 point per AED |
| Category | Rate |
|---|---|
Grocery, Automotive +3 more | 0.24% 0.4 points per AED |
Fuel, Education +5 more | 0.12% 0.2 points per AED |
All other spend | 0.6% 1 point per AED |
Rewards
1ADCB TouchPoints
per AED 1 on general spend.
0.4ADCB TouchPoints
per AED 1 on supermarkets, auto dealers, insurance and fast-food restaurants.
0.2ADCB TouchPoints
per AED 1 on fuel, education, government, real estate, telecom, charity and transport.
0.4ADCB TouchPoints
per AED 1 on UK and Europe (EEA) retail spend.
Rewards Calculator
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Eligibility
18
Minimum Age
5,000AED
Minimum Income
3,000AED
Minimum Credit Limit
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
October 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
Offers
See all 3001View offer
Lifestyle
Merchant
The Ninth Cut
10% discount on a la carte menu at The Ninth Cut exclusive to selected ADCB Cards
Valid until 15 Oct 2026
Lifestyle
Merchant
The Ninth Cut Experience
10% discount at The Ninth Cut Experience exclusive to selected ADCB Cards
Valid until 15 Oct 2026
Lifestyle
Merchant
Al Badayer Retreat
15% discount on F&B at Al Madam Restaurant, Al Badayer Retreat
Valid until 19 Oct 2026
Additional Benefits
Complimentary lounge access
4 visits a year to 25+ lounges via Mastercard Travel Pass.
Complimentary golf
Year-round rounds at Arabian Ranches and Abu Dhabi Golf Club.
VOX Cinemas offer
Buy 1 get 1 free, up to 4 tickets a month, plus 25% off F&B.
talabat discount
20% off, up to AED 20 per order, on up to 2 orders a month.
Credit Shield
Optional cover with complimentary life insurance.
Fees
Free
Joining Fee
630AED
Annual Fee
3.69%
Monthly Interest Rate
Frequently Asked Questions
Get answers to common questions about ADCB TouchPoints Platinum Credit Card credit card
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