# ADCB Islamic TouchPoints Gold Credit Card **Original Url:** https://www.paisabazaar.ae/credit-cards/adcb-islamic-touchpoints-gold-credit-card/ The ADCB Islamic TouchPoints Gold Credit Card, offered to existing ADCB cardholders, 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 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. * **Easy Bill Payments:** The cardmember can make easy bill payments or top up their accounts for various services with the ADCB Mobile App or Personal Internet Banking platform. The services include Du, ADDC, Salik, and Etisalat. * **Card Control:** Cardholders are allowed to set daily and monthly spending limits as well as control their card transactions that take place online, in-store, and internationally 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. * **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 up to 24 months. * **Fast Pay:** Cardmembers can pay their credit card bills in a jiffy at more than 50 ADCB branches along with selected ATMs, EPPCO and ENOC Stations, and Al-Ansari Exchange. * **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 0.9345% 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 across numerous spending categories. Moreover, members of this ADCB Islamic credit card can earn 0.75 Touchpoint for each AED 1 spent using this ADCB credit card. ## 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 | NIL | | 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 | ## Latest ADCB Credit Card Offers [ADCB 0% Balance Transfer 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This ADCB Islamic credit card offers 5,000 Touchpoints as a bonus upon spending of AED 5,000. **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. ## Top Other Credit Cards From ADCB Bank [ADCB Lulu Titanium Credit Card](https://www.paisabazaar.ae/credit-cards/adcb-lulu-titanium-credit-card/) [ADCB LuLu Platinum Credit Card](https://www.paisabazaar.ae/credit-cards/adcb-lulu-platinum-credit-card/) [Talabat ADCB Credit Card](https://www.paisabazaar.ae/credit-cards/adcb-talabat-credit-card/) [ADCB 365 Cashback Credit Card](https://www.paisabazaar.ae/credit-cards/adcb-365-cashback-credit-card/) [ADCB 365 Islamic Cashback Covered Card](https://www.paisabazaar.ae/credit-cards/adcb-365-islamic-cashback-covered-card/)