TouchPoints Platinum 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 630No annual fee for the first year. From the second year onwards the prevailing annual fee applies for new customers.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. Platinum-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 1 TouchPoint 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
• 10,000 bonus TouchPoints when you spend AED 10,000 in a month

Other benefits

• 3 complimentary airport lounge visits a year at 1,200+ lounges for the cardholder and supplementary cardholders (Visa Airport Companion)
• Free golf all year at Arabian Ranches Golf Club Dubai and Abu Dhabi Golf Club, subject to AED 5,000 monthly spend
• 20% off talabat orders, up to AED 20 off per order on 2 orders a month (promo code ADCBPLAT)
• Buy 1 Get 1 free movie tickets at VOX Cinemas including IMAX and VIP, up to 4 tickets a month per card
• Up to 20% off Avis worldwide with Avis Preferred Plus membership
• Purchase Protection and Extended Warranty; Takaful Credit Shield with complimentary life cover

Before you apply

• The annual fee is segment-dependent - AED 630 on the standard Aspire segment, AED 315 on Privilege/Emirati, free only on Excellency.
• Everyday categories earn 0.2-0.4 TouchPoints per AED 1, well under the 1.0 headline.
• Only 3 lounge visits a year; extra visits or guests cost USD 32 each.
• Golf requires AED 5,000 monthly spend and carries no-show fees of AED 100-250.
• TouchPoints are worth roughly AED 0.005 each, so the 1.0 rate is about 0.5% back.

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. Complimentary golf requires a minimum spend of AED 5,000 a month.

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 Platinum Card (free for the first year): AED 630 / AED 315 / Free - ADCB Islamic Banking Schedule of Fees, Annual Membership Fee table (Aspire / Privilege-Emirati / Excellency-Emirati Excellency)”
• “No Annual Fee for the first year. From the second year onwards, the prevailing Annual Fee will apply for new customers. - product page”
• “Earn up to 1 TouchPoint for every AED 1 spent with your card / Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month - product page”
• “Enjoy 3 complimentary visits per year, for you and your supplementary cardholders, at over 1,200 airport lounges - product page”
• “To be eligible for this offer there is a minimum spend requirement of AED 5,000 per month. - product page, complimentary golf”
• “200,000 TouchPoints would be equivalent to AED 1,000 approximately depending on the redemption option of your choice. - product page”
• “You need to have a minimum salary of AED5,000 or be eligible for a card limit of at least AED3,000 - product page eligibility”

• Product page
• Schedule of charges
• Terms and conditions