All you Need to Know About the ADCB TouchPoints Program

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Written By

Tanvi PathakTeam Lead Writer (Expertise - Banking )

Reviewed By

Brijesh KumarCBO, Paisabazaar.ae

Last updated on 09 January 2026Editorial Standards

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:

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

Vouchers: Numerous suppliers offer vouchers to cardholders that are a part of the ADCB loyalty program.
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.
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.
Bill Payments: Cardholders can pay their utility bills using the accumulated points.
Donation of Points: The cardmember can donate the accumulated points to any associations and charities that are part of ADCB.