TouchPoints Gold Credit Card

What makes this card Islamic

ADCB Islamic Banking builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

Commodity Murabaha + Wakala Investment Account (ADCB Islamic Banking Credit Cards Key Facts Statement). Explicit profit-free period of 20-25 days from transaction date when the Total Amount Due is settled in full by the due date. Product page carries the charity clause verbatim: 'You might be required to pay the donation amount as per financing documents. Such amount shall be paid to charity. This will be after deduction of any actual loss that the bank may have suffered due to your default.'

Approved by ADCB Internal Shari'ah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

Every figure below comes from ADCB Islamic Banking’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

No annual feeFree across all three customer segments (Aspire, Privilege/Emirati, Excellency/Emirati Excellency) per the Schedule of Fees. Product page: 'This card comes with no annual fee.'source

Supplementary card

AED 0Supplementary Card: Free across all segments (Schedule of Fees).source

Profit rate

3.69% a month on the outstanding balance44.28% a year as stated by the banksource

Cash withdrawal

3.15% or AED 105 (whichever is higher).

Late payment

AED 241.50

Foreign currency spend

2.99% on top of the exchange rate

Replacement card

AED 78.75

Takaful cover

Islamic Credit Shield (Takaful), optional: 0.9345% of total outstanding balance per month. First two months free. Gold-tier indemnity: AED 75,000 natural death / TPD, AED 75,000 accidental death / TPD, AED 75,000 top-up life cover.

What you get back

• Up to 0.5 TouchPoints for every AED 1 spent
• 0.4 TouchPoints per AED 1 on domestic spends at supermarkets, auto dealers, insurance and quick-service restaurants
• 0.2 TouchPoints per AED 1 on fuel, education, government services, real estate, telecommunications, charity and transport
• 0.40 TouchPoints per AED 1 equivalent on retail purchases at European Economic Area merchants
• 5,000 bonus TouchPoints when you spend AED 5,000 in a month

Other benefits

• Buy 1 Get 1 free movie tickets at VOX Cinemas (2D Standard and 2D Max Standard), up to 2 free tickets a month per card
• Up to 20% off Avis worldwide, with Avis Preferred Plus membership enrolment
• TouchPoints redeemable instantly at thousands of UAE merchants, against utility bills and Salik, exchangeable for Emirates Skywards Miles, or against the card balance
• School fees convertible to a 0% Profit Payment Plan; FlexiPay; balance transfer; PayOrder Facility

Before you apply

• Everyday categories earn 0.2-0.4 TouchPoints per AED 1, well under the 0.5 headline.
• TouchPoints are worth roughly AED 0.005 each, so the 0.5 rate is only about 0.25% back.
• No lounge access at this tier.
• The live page's HTML <title> tag still reads 'ADCB Islamic Touchpoint Titanium Card' while the breadcrumb, heading and eligibility text all say Gold - the title tag appears stale.

Can you get it?

Minimum income

AED 5,000 a monthsource

Age

18 and over

Other conditions

At least 18 years old; minimum salary AED 5,000 OR eligible for a card limit of at least AED 3,000.

Where these figures come from

Last checked against ADCB Islamic Banking’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “This card comes with no annual fee. - product page”
• “Earn up to 0.5 TouchPoint for every AED 1 spent with your card / Receive 5,000 bonus TouchPoints when you spend AED 5,000 each month - product page”
• “Please note you will earn 0.4 TouchPoints for every 1 AED of domestic spends at supermarkets, auto dealers, insurance, quick service restaurants (i.e. fast food restaurants) and 0.2 TouchPoints for spends at fuel, education, government services, real estate, tele communication, charity and transport. - product page”
• “100,000 TouchPoints would be equivalent to AED 500 approximately depending on the redemption option of your choice. - product page”
• “You need to have a minimum salary of AED 5,000 or be eligible for a card limit of at least AED 3,000 - product page eligibility”
• “TouchPoints Gold Card: Free / Free / Free - ADCB Islamic Banking Schedule of Fees, Annual Membership Fee table”

• Product page
• Schedule of charges
• Terms and conditions