ADCB Islamic TouchPoints Gold Credit Card

The ADCB Islamic TouchPoints Gold Credit Card is one of a kind Islamic credit card. It offers a host of special features and benefits that are unmatched by any other credit card available in the UAE. This is free for life credit card that makes this credit card an ideal choice for all types of spenders. Also, this card offers access to Visa benefits and the TouchPoints reward program to help its cardholders to make the most of their every spending.

Features & Benefits of ADCB Islamic TouchPoints Gold Credit CardADCB Islamic TouchPoints Gold Credit Card

The ADCB Islamic TouchPoints Gold Credit Card is loaded with exclusive features and benefits that make this card one of the best Islamic credit cards in the UAE and they are as follows:

  • Free for Life: This is a free for life credit card as it does not charge an annual membership fee ever.
  • Exciting Benefits at Amusement parks: At Ferrari World, Yas WaterWorld & Warner Bros Abu Dhabi, cardholders can enjoy a wide range of special benefits on entry tickets, food & beverages, merchandise, and a lot more.
  • Visa Benefits: Being a member of the ADCB Islamic TouchPoints Gold Credit Card, one can also enjoy an array of Visa Gold card privileges
  • Card Control: Cardholders are allowed to set spending limits as well as control their card transactions with the advanced “card control” feature through the ADCB mobile application.
  • Minimum Due Amount: ADCB gives the ADCB Islamic TouchPoints Gold Credit Card members a comfort of paying as minimum as 5% of their full outstanding amount every month and carry forward a remaining amount to the next month’s billing cycle.
  • Convenient Payment Options: Members of this ADCB Islamic Credit Card can make their credit card bill payment through any of the given below channels:
    • Mobile Banking App
    • ADCB Internet Banking
    • Cash Deposit Machines
    • ADCB branches
    • Auto-debit Instructions via ADCB Savings or Current Account

Alternatively, card members can also pay their credit card bill payment at LuLu Exchange branches, ENOC/EPPCO, and at AI Ansari Exchange. All they need to pay a nominal charge of just AED 5 per payment transaction for paying credit card bills via partnered payment locations.

  • Balance Transfer (BT) Facility: The facility of BT is available within 90 days of the registration of this Credit Card. Cardholders can easily make the repayment through monthly installments of 6, 9, 12, or 24 months.
  • Pay Order Facility: Cardholders can avail cash against their available credit card limit and it will be transferred to their bank account within only three working days. They can make the repayment through monthly installments of 6, 9, 12, or 24 months.
  • Easy Installments: ADCB Islamic TouchPoints Gold Credit Card comes with an easy installment facility that helps in reducing the stress of paying for huge purchases in one go. It basically enables cardholders to split their huge purchases into a 0% profit payment plan for 6, 9, 12, or 24 months.
  • Credit Shield: It is basically an optional plan that covers the ADCB Islamic TouchPoints Gold Credit Card for a maximum of AED 75,000 against various tragic events like permanent or total disablement critical illness, involuntary employment loss, or even natural death. To reap the advantage of this takaful program, cardholders will need to enroll themselves in the program by paying a nominal charge of 9345% of their card’s full outstanding amount.

ADCB Islamic TouchPoints Gold Credit Card Rewards & Offers

Given below are the exciting offers and rewards that can be availed by the members of the ADCB Islamic TouchPoints Gold Credit Card:

  • Reward Points: Card members are given membership into a reward program that is known as TouchPoints. They can earn rewards points by making purchases using the ADCB Islamic TouchPoints Gold Credit Card. And then, the accumulated rewards points can further be redeemed for flight tickets and upgrades, dining and shopping vouchers, paying utility bill payments, and a lot more. Moreover, members of this ADCB Islamic credit card can earn 0.5 Touchpoint for each AED 1 spent using this ADCB credit card. Not only this, they can also earn a bonus of 5,000 Touchpoints on spending AED 5000 by using this card for purchases every month.
  • Dining Exclusives: Card members can enjoy a maximum of 25% off at more than 1400 finest of eateries and restaurants.

Fees & Charges on ADCB Islamic TouchPoints Gold Credit Card

Listed are the fees & charges associated with the ADCB Islamic TouchPoints Gold Credit Card:

Particulars Fee and Charges

Annual Membership Fee

AED 0

Profit Rate

3.25% monthly

Cash Advance Charges

AED 105 or 3.15% (whichever is greater)

Installment Plans/Balance Transfer/Pay Order

A maximum of 1.50% monthly

Late payment fee

AED 241.50

Card replacement fee

AED 78.75

Duplicate statement fee

AED 26.25

Returned cheque charge

AED 157.50

Sale voucher copy

AED 26.25

International currency transaction

2.99% of the total amount of transaction

Credit shield Charges

0.9345% of the outstanding balance

Limit of Cash Advance

60% of the available credit card limit

Frequently Asked Questions

Q1: Where can I redeem the TouchPoints?

Ans: You can redeem the accumulated Touchpoints for various purposes such as flight tickets and upgrades, dining and shopping vouchers, paying utility bill payments, and a lot more.

Q2: Do I need to pay an annual fee for ADCB Islamic TouchPoints Gold Credit Card?

Ans: No, you don’t have to pay an annual membership fee for this ADCB Islamic TouchPoints Gold Credit Card since it is a free for life credit card.

Q3: Can I get bonus rewards with the ADCB Islamic TouchPoints Gold Credit Card?

Ans: Yes. This ADCB Islamic credit card offers 5000 Touchpoints as a bonus upon spending of AED 5000.

Q4: What is the balance transfer facility all about?

Ans: Well, it allows you to transfer your other bank’s credit card outstanding balance to the ADCB Islamic TouchPoints Gold Credit Card at an attractive profit rate to consolidate debts.

Q5: Can I withdraw cash through the ADCB Islamic TouchPoints Gold Credit Card?

Ans: Yes. This ADCB Islamic credit card entitles you to withdraw cash a maximum of 60% of your available credit limit.

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