All you Need to Know About the ADCB TouchPoints Program

All you Need to Know About the ADCB TouchPoints ProgramPolicybazaarAverage Rating / 5 ( reviews)
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Abu Dhabi Commercial Bank offers credit card seekers ADCB credit cards. These cards come with a unique rewards program, which allows cardholders to earn reward points via various different alternatives. On top of this, the ADCB TouchPoint Credit Cards come with a wide variety of options for redeeming the accumulated points.

How Can I Earn TouchPoints?

ADCB customers can earn TouchPoints whenever they spend on any of the ADCB credit cards or debit cards, finance via ADCB, save with ADCB, as well as invest with ADCB. Cardholders are also eligible to earn points for bill payments, online banking, along with various other interactions with the banks. Below detailed are the different points that can be earned via the various ways with ADCB (updated as of February 2020).

ADCB Credit Cards

Credit Card Type

Points Earned

Classic Credit Card

For every AED 1, 0.5 Points

Gold Credit Card

For every AED 1, 0.5 Points

Platinum & Excellency Cards

For every AED 1, 1 Point

Excellency Visa Infinite Card

For every AED 1, 1.5 Points

Private World Elite MasterCard

For every AED 1, 4 Points

Traveller Credit Card

For every AED 1, 2 Points

Utility Bill Payments via ADCB TouchPoint Credit Cards

Credit Card Type

Points Earned

Classic Credit Card

For every AED 1, 0.5 Points

Gold Credit Card

For every AED 1, 0.75 Points

Platinum & Excellency Cards

For every AED 1, 1 Point

Excellency Visa Infinite Card

For every AED 1, 1.5 Points

Private World Elite MasterCard

For every AED 1, 4 Points

Traveller Credit Card

For every AED 1, 2 Points

The points on such spends are earned when the bill exceeds the value of AED 3,500 for every month.

ADCB Debit Cards

Debit Card Type

Points Earned on Domestic Spends

Points Earned on International Spends

Titanium Debit Card

For every AED 4 spent, 1 Point

For every AED 2 spent, 1 Point

Privilege Club Card

For every AED 4 spent, 1.25 Points

For every AED 2 spent, 1.25 Point

Excellency Premium Card

For every AED 4 spent, 1.5 Point

For every AED 2 spent, 1.5 Point

ADCB Insurance Products

Type of Insurance

Points Earned For Amount of Premium Paid

Premium Protection

2000 Points for Every AED 1,000

Premium Savings

750 Points for Every AED 1,000

Premium Single

250 Points for Every AED 1,000

ADCB Loans

Type of Loans

Points for every spending worth AED 1,000

Personal loan ranging from AED 10,000 to AED 150,000

200 points

Personal loan amounts more than AED 150,000

300 points

Smart loans worth more than AED 10,000

300 points

Mortgage loans

200 points

Car loans

50 points

Other Banking Services

ADCB Banking Services

Points Earned

Current & Savings account with the amount ranging between AED 10,000 and AED 25,000

15 Points for every AED 1,000

Current & Savings account with the amount ranging between AED 25,000 and AED 100,000

20 Points for every AED 1,000

Current & Savings accounts with more than AED 100,000

25 Points for every AED 1,000

Excellency Current & Savings Accounts

25 Points for every AED 1,000

Electronic Banking Services

Electronic Service

Points Earned

First-time registration

500

Mobile App

500

Contact Centre

500

SMS Banking

500

For every utility bill paid

50

For every external fund transfer

500

Cardholders are eligible to earn extra points when banking via Internet Banking, SMS Banking, or the Mobile Application. These additional points are mentioned below:

  1. The cardholder is eligible to earn 250 points when any of the services mentioned above is used for one month.
  2. The cardholder is eligible to earn 500 points when any of the services mentioned above is used for 2 months.
  3. The cardholder is eligible to earn 1000 points when any of the services mentioned above is used for 3 months.

For each service, the points are earned separately. For instance, if cardholders use the SMS service and the mobile service both for a period of 3 months – they are eligible to earn 1000 points for using the SMS service and 1000 points for using the mobile app.

Cardmembers will also earn bonus points worth 500 if they transfer funds via the mobile app or the Internet Banking platform within the first month, the second month, and the third month of the use.

Buying TouchPoints

Members of the ADCB TouchPoints Credit Cards who wish to redeem one particular reward and might not have sufficient points on their ADCB credit cards can buy up to 15,000 points in one day at a rate of AED 0.8 for every 100 points.

Redemption of TouchPoints

The TouchPoints on the ADCB Credit Cards can be redeemed in any one of the below-mentioned ways:

  1. Vouchers: Numerous suppliers offer vouchers to cardholders that are a part of the ADCB loyalty program.
  2. Paying Directly at Shops: Cardmembers can visit any of the partners of ADCB and inform the customer service present that they would like to pay via points. The ADCB credit cards need to be carried for the same.
  3. Transfer of Points: The cardholder can convert the accumulated ADCB TouchPoints to the Etihad Guest Reward program at a rate of every 1 mile for 14 points. Similarly, the Etihad Skywards Rewards can be converted at the rate of every 1 mile for 18 points.
  4. Bill Payments: Cardholders can pay their utility bills using the accumulated points.
  5. Donation of Points: The cardmember can donate the accumulated points to any associations and charities that are part of ADCB.
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