TouchPoints Infinite 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.

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

AED 1,050Segment-dependent per the Schedule of Fees: AED 1,050 (Aspire), AED 1,050 (Privilege / Emirati), AED 525 (Excellency / Emirati Excellency). The AED 1,050 figure recorded here is the standard rate.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. Infinite-tier indemnity: AED 200,000 natural death / TPD, AED 200,000 accidental death / TPD, AED 200,000 critical illness, AED 200,000 top-up life cover.

What you get back

• Up to 1.5 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
• 15,000 bonus TouchPoints when you spend AED 15,000 in a month

Other benefits

• AED 1,200 Expedia.ae 2-night stay voucher on payment of the first-year annual fee, issued within 60 days, valid 6 months
• Unlimited complimentary access to 1,200+ airport lounges worldwide for the cardholder plus 1 guest, for both primary and supplementary cardholders
• Free golf all year at Arabian Ranches Golf Club Dubai and Abu Dhabi Golf Club, subject to AED 5,000 monthly spend
• Complimentary multi-trip travel insurance: up to USD 1,000,000 emergency medical, USD 500,000 personal accident (international), USD 500,000 evacuation/repatriation, USD 7,500 trip cancellation - cardholder, spouse and up to 5 children, age limit 75
• Visa Infinite fraud protection: up to USD 3,000 per occurrence, USD 5,000 annual aggregate
• 20% off talabat orders (up to AED 20 off, 4 orders a month, promo ADCBINF); 15% off Noon.com (up to AED 100 off, 1 order a month)
• Buy 1 Get 1 free at VOX Cinemas including THEATRE, Gold and KIDS, up to 4 tickets a month
• Unlimited Buy 1 Get 1 free at Caribou Coffee; Visa Infinite 24-hour global concierge; up to 35% off Avis

Before you apply

• AED 1,050 annual fee with no first-year waiver on the standard segment - only Excellency customers pay AED 525.
• Everyday categories earn 0.2-0.4 TouchPoints per AED 1, no better than the free Gold card.
• TouchPoints are worth roughly AED 0.005 each, so the 1.5 rate is about 0.75% back.
• The Expedia voucher is only issued after the annual fee is actually paid, expires in 6 months, and excludes selected properties.
• Highest income bar of any ADCB Islamic card at AED 30,000 a month.

Can you get it?

Minimum income

AED 30,000 a monthsource

Age

18 and over

Other conditions

At least 18 years old; minimum salary AED 30,000 OR eligible for a limit of at least AED 30,000. Complimentary golf requires a minimum spend of AED 5,000 a month. The Expedia voucher requires payment of the first-year annual membership fee.

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.

• “TouchPoints Infinite Card: AED 1,050 / AED 1,050 / AED 525 - ADCB Islamic Banking Schedule of Fees, Annual Membership Fee table (Aspire / Privilege-Emirati / Excellency-Emirati Excellency)”
• “Enjoy an AED 1,200 Expedia.ae stay voucher when you pay your annual membership fee in the first year. The voucher will be issued within 60 days of the annual fee payment. - product page”
• “Earn up to 1.5 TouchPoints for every AED 1 spent with your card / Receive 15,000 bonus TouchPoints when you spend AED 15,000 each month - product page”
• “Unlimited access at over 1,200 airport lounges worldwide for self plus 1 guest per visit*. Access available to both primary and supplementary cardholders. - product page”
• “You need to have a minimum salary of AED30,000 or be eligible for a limit of at least AED30,000 - product page eligibility”
• “Emergency Medical Expenses up to US$ 1,000,000 - product page, multi-trip travel insurance”
• “This insurance benefit will provide reimbursement up to USD 3,000 per occurrence with USD 5,000 annual aggregate limit for Visa Infinite cardholders. - product page”

• Product page
• Schedule of charges
• Terms and conditions