# ADCB TouchPoints

Source: https://kredit.ae/loyalty/adcb-touchpoints

ADCB's rewards programme: compare the three TouchPoints credit cards, what a TouchPoint is worth in AED at each redemption option, and where to spend them.

ADCB TouchPoints is the rewards programme of Abu Dhabi Commercial Bank. Three ADCB credit cards earn TouchPoints on every eligible purchase: TouchPoints Platinum, TouchPoints Infinite and, for ADCB Private clients, Private World Elite.

A TouchPoint has no single value. What it is worth depends on where you redeem it, so compare the redemption options before judging a card by its earn rate.

## How it works

TouchPoints are credited on eligible retail spend at a rate set by the card: **1 TouchPoint per AED** on TouchPoints Platinum, **1.5** on TouchPoints Infinite and **4** on Private World Elite. On all three, supermarkets, auto dealers, insurance and retail spend with UK and EEA merchants earn 0.4 TouchPoints per AED, and fuel, education, government, real estate, telecom, charity and transport earn 0.2.

TouchPoints Platinum also pays a fixed bonus in any month your spend reaches its threshold, and TouchPoints Infinite has a spend-based welcome bonus; the amounts are on each card's page.

## Tiers

- **ADCB TouchPoints Platinum** — minimum salary AED 8,000. 1 TouchPoint per AED, plus a monthly bonus once spend reaches the card's threshold
- **ADCB TouchPoints Infinite** — minimum salary AED 40,000. 1.5 TouchPoints per AED, plus a spend-based welcome bonus
- **ADCB Private World Elite** — minimum salary AED 200,000. 4 TouchPoints per AED, the highest TouchPoints earn rate; ADCB Private clients only

## Redemption

Use the calculator above to value a balance at each redemption option ADCB publishes. TouchPoints can also be transferred to Emirates Skywards, Yes Rewards and talabat credit; ADCB publishes no fixed AED rate for Yes Rewards or talabat credit.

## Why choose TouchPoints

### Points on every purchase

Every eligible purchase earns TouchPoints, including categories that many cashback cards exclude, at a reduced rate. The card's base rate applies to everything else.

### A monthly bonus rewards steady spend

TouchPoints Platinum adds a fixed bonus in any month your spend reaches its threshold, so a card used as the main household card earns noticeably more than one used occasionally.

### Redemption choice sets the value

The same balance is worth more at Max and e-commerce partners than as vouchers or bill payments. Pick the redemption you will actually use before comparing cards on points alone.

## Frequently asked questions

### How much is an ADCB TouchPoint worth in AED?

It depends on the redemption. Max and e-commerce partners give the most per point; in-store partners, vouchers and bill payments give less. The calculator on this page values a balance at each option.

### Which ADCB card earns the most TouchPoints?

ADCB Private World Elite, at 4 TouchPoints per AED, but it is only for ADCB Private clients. Of the cards open to everyone, TouchPoints Infinite earns 1.5 per AED from AED 40,000 salary and TouchPoints Platinum earns 1 per AED from AED 8,000.

### Can I transfer TouchPoints to Emirates Skywards?

Yes. TouchPoints transfer to Emirates Skywards, Yes Rewards and talabat credit. ADCB publishes no fixed AED rate for Yes Rewards or talabat credit.

### Do supermarkets and fuel earn TouchPoints?

Yes, at reduced rates: 0.4 TouchPoints per AED at supermarkets, auto dealers and insurance, and 0.2 on fuel, education, government, real estate, telecom, charity and transport.

### How do I qualify for the monthly bonus?

Reach the monthly spend threshold on TouchPoints Platinum; the threshold and bonus are on its card page. TouchPoints Infinite has a spend-based welcome bonus instead.