# All you Need to Know About the ADCB TouchPoints Program

**Published:** 2020-08-26T00:00:00.000Z
**Updated:** 2026-07-30T16:25:16.141Z
**Author:** Tanvi Pathak
**Original Url:** https://www.paisabazaar.ae/credit-cards/articles/all-you-need-to-know-about-the-adcb-touchpoints-program-ccart/

## Most Popular Credit Card in UAE

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### Cashback Credit Card

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Minimum Salary:**5,000**

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### ULTRACASH Mastercard Touch Card

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Minimum Salary:**10,000**

Annual Fee:**500**

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### TouchPoints Visa Infinite Credit Card

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Annual Fee:**1,050**

15,000 Bonus TouchPoints for spends of AED 15,000

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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](https://www.paisabazaar.ae/credit-cards/adcb-credit-cards/ "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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