Route spending through Dining.
Earn 2X here — 0.5% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Dining
ABU DHABI COMMERCIAL BANK (ADCB) · ADCB TOUCHPOINTS PLATINUM CREDIT CARD
ADCB TouchPoints Platinum Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹6,300 for a mid spender · travel
ABU DHABI COMMERCIAL BANK (ADCB)
Updated January 2025 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Abu Dhabi Commercial Bank (ADCB)'s.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY UAE PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹6,300 first-year net value · mid spender · travel
Category rewards ₹6,300
Net first-year value ₹6,300
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.25% back on eligible spends 1 pts 1 points per د.إ10
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.5% back
Dining 2X · 0.5%
Groceries 2X · 0.5%
Fuel 2X · 0.5%
Everything else (base) · 0.3%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Abu Dhabi Commercial Bank (ADCB) tweaks the program.
Don't sleep on Groceries.
The second tier earns 2X (0.5% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.3%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
12 domestic visits per year. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified January 2025. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.