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ADCB Islamic TouchPoints Platinum Credit Card

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The ADCB Islamic TouchPoints Platinum Credit Card is one of the exclusive Islamic credit cards offered by the Abu Dhabi Commercial Bank (ADCB). It promises an array of rewards and savings on each AED spent by the cardmembers. Ever since its launch, this ADCB Islamic credit card has been on the top list amongst residents in the whole region because of its exclusive features and benefits. Not only it meets the different spending habits of different people but it also helps them to make the most of their every spending.

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

Given below are some of the eminent features and benefits of the TouchPoints Platinum Credit Card offered by the ADCB:

Lifestyle Benefits

  • Exclusive Privileges at Amusement Parks: Members of the ADCB Islamic TouchPoints Platinum Credit Card can enjoy an array of exclusive benefits on tickets, food & beverages (F & B), merchandise, and much more at Ferrari World, Yas WaterWorld & Warner Bros Abu Dhabi. The discounts on tickets and the Quick/Flash Pass benefits are offered to the cardholder and up to 3 accompanying guests.
  • Free Golf Access: Cardholders can enjoy complimentary golf privileges all year round on a complimentary basis at some of the leading golf courses across the UAE such as Arabian Ranches Golf Club Dubai, Sharjah Golf & Shooting Club, and Yas Links Golf Club Abu Dhabi. To enjoy uninterrupted access, the cardholder simply needs to meet a minimum spend of AED 5,000 in a month. Reservations at the golf clubs are mandatory and can be made up to 14 days in advance, on a first-come-first-serve basis.

Travel Benefits

  • Free Airport Lounge Access: The cardmember can enjoy 3 free access yearly to 1000+ airport lounges globally through LoungeKey.
  • Visa Benefits: Cardmembers can enjoy a wide range of Visa Platinum benefits to compliment their lifestyle.

Other Benefits

  • Credit Shield: By paying a nominal charge of 0.9345% of the full outstanding amount, cardholders can enroll themselves in the Credit Shield Takaful program. It is basically an optional plan that covers the ADCB Islamic TouchPoints Platinum Credit Card for as high as AED 100,000 against various unfortunate incidents such as involuntary employment loss, permanent or total disablement critical illness, or even natural death.
  • Purchase Protection: Members of this ADCB Islamic credit card can get free purchase protection on the items that have been purchased utilizing this card. It covers accidental damage or theft to give cardmembers an absolute peace of mind every time they make a purchase.
  • Extended Warranty: The cardholder can avail retailer’s warranty and an extended manufacturer’s warranty for up to 1 year on several products bought using this ADCB Credit Card.
  • Minimum Due Amount: The ADCB Islamic TouchPoints Platinum Credit Card offers the convenience to its cardmembers of paying as minimum as 5% of their entire outstanding amount balance each month and then carry forward a remaining balance to the billing cycle of next month.
  • Convenient Payment Options: ADCB Islamic TouchPoints Platinum Credit Card bill payments can be made through any of the below mentioned channels:
    • ADCB Internet Banking
    • ADCB branches
    • Mobile Banking Application
    • Cash Deposit Machines
    • Auto-debit Instructions via ADCB Savings or current bank accounts
  • Pay Order Facility: Members of this ADCB Islamic credit card are entitled to get cash against their available credit limit. And it will be transferred to their account within only three working days. However, the cardholder can choose to make the repayment through monthly installments of up to 24 months.
  • Easy Installments: ADCB Islamic TouchPoints Platinum Credit Card comes with the facility of easy installments that helps in reducing the stress of paying for huge purchases in one go. With the easy installment facility, cardmembers can split their large purchases into a 0% profit payment plan for up to 24 months.
  • Balance Transfers: The balance transfer facility is available within the first 90 days of the registration of the ADCB Islamic TouchPoints Platinum Credit Card. Cardholders can choose to make the repayment through monthly installments of up to 24 months.
  • Card Control: Cardholders can control their various card transactions (online, in-store, and foreign), and also they can set spending limits (daily and monthly) with the “card control” feature through the ADCB mobile app.

ADCB Islamic TouchPoints Platinum Credit Card Rewards & Offers

The ADCB Islamic TouchPoints Platinum Credit Card provides some of the exclusive offers and rewards to its cardmembers and they are as follows:

  • Rewards Points: Cardholders are given a membership to a reward program that is known as ‘TouchPoints.’ They can earn rewards points in terms of TouchPoints on making purchases using the ADCB Islamic TouchPoints Platinum Credit Card. In this way, they can accumulate their rewards points & redeem them for upgrades and flight tickets, shopping or dining vouchers, making utility bill payments, and much more. Moreover, 1 TouchPoint can be earned for every AED 1 spent using this Credit Card. Additionally, cardholders can avail a bonus of 10,000 Touchpoints upon making the spending of AED 10,000 each month. The accumulated TouchPoints can also be converted into Skywards (18 TouchPoints = 1 Mile) and Etihad Guest Miles (14 TouchPoints = 1 Mile).
  • Talabat Orders: Cardmembers can enjoy a 20% discount on Talabat orders, for up to AED 20 off per order on two orders over a month. Kindly note that this exclusive offer is valid on orders all over the UAE and not valid for mobile wallet payments.
  • 2 for 1 Visa Offers: By just downloading the VISA Offers MENA App, cardholders can enjoy exclusive 2-for-1 deals on food & entertainment in addition to 5000 travel discounted offers.
  • Discounted Offers at Agoda: Upon booking a hotel through Agoda, members of the ADCB Islamic TouchPoints Platinum Credit Card can enjoy as high as 12% discount on the promotion eligible hotels all over the network.
  • Dragon Pass “Dine & Fly” Airport Dining Program: Cardmembers can get access to more than 200 airport restaurant offers throughout the world. All they are required to download the “Dine & Fly”  application and accomplish a registration so as to begin redeeming.

Fees & Charges on ADCB Islamic TouchPoints Platinum Credit Card

Following are the fees & charges associated with the ADCB Islamic TouchPoints Platinum Credit Card:

Particulars Fee and Charges

Annual Membership Fee

AED 630 (Free for 1st Year)

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

FAQs on ADCB Islamic TouchPoints Platinum Credit Card

Q1: Do all transactions qualify for earning TouchPoints?

Ans: You can earn rewards points i.e. TouchPoints on all spends including all retail transactions (net of refunds & reversals). However, it excludes cash withdrawals or any sort of disputed purchases.

Q2:  Do I need to make minimum spending in order to avail complimentary golf access?

Ans: Yes, you need to make a minimum spending of AED 5,000 and above than that by using ADCB Islamic TouchPoints Platinum Credit Card to play uninterrupted complimentary golf all year round.

Q3: Who all can avail the exclusive benefits at Yas Island Theme Parks using the ADCB Islamic TouchPoints Platinum Credit Card?

Ans: Well, the primary cardholder and up to 3 accompanying guests can get ticket discounts as well as Flash or Quick Pass benefits at Ferrari World, Yas WaterWorld & Warner Bros Abu Dhabi.

Q4: Do I need to pay an annual membership fee for supplementary ADCB Islamic TouchPoints Platinum Credit Card?

Ans: No, you don’t need to pay an annual membership fee since ADCB levies AED 0 for supplementary ADCB Islamic TouchPoints Platinum Credit cards.

Q5: Can I withdraw cash using the ADCB Islamic TouchPoints Platinum Credit Card?

Ans: Yes, you can withdraw cash up to 60% of your available credit limit using this ADCB Islamic credit card.