TouchPoints Infinite cashback rate, cap and annual fee
TouchPoints Infinite pays 0.67% on everything, as a base rate, and 7 other rates. The card costs AED 1,050 a year.
ADCB · United Arab Emirates · catalogue v101
Read from ADCB's own published terms on 19 Sep 2026.
AED 1,050Annual fee
0.67%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 0.67% | —Everything else, including restaurants that are not fast food. Merchants in the United Kingdom and the European Economic Area earn 0.4 instead. |
| fast-food restaurantsdining | 0.18% | —Fast-food restaurants only, which ADCB bands with supermarkets, car dealers and insurance. A restaurant that is not fast food earns the card's top rat |
| groceries | 0.18% | —Supermarkets, and the band ADCB puts with them: car dealers, insurance and fast-food restaurants. |
| fuel | 0.09% | —Fuel. The card's lowest published band, with education, government, real estate, telecoms, charity and transport. |
| education | 0.09% | —Education, on the same lowest band. |
| government | 0.09% | —Government services, on the same lowest band. |
| rent and property | 0.09% | —Real estate, on the same lowest band. |
| phone and internet | 0.09% | —Telecoms, on the same lowest band. |
Up to 1.5 TouchPoints a dirham generally, which at ADCB's published rate of a little under half a fil is about 0.68%. Underneath that are two lower bands the headline never mentions: 0.4 TouchPoints a dirham on supermarkets, car dealers, insurance and fast food, and 0.2 on fuel, education, government services, real estate, telecoms, charity and transport. Spending at British or European merchants also earns 0.4. So a household whose card mostly buys petrol and pays bills earns about a ninth of the advertised rate. A bonus of 15,000 TouchPoints applies in any month the card spends AED 15,000, which this app does not score because it is a threshold rather than a rate. Source: adcb.com TouchPoints Infinite page, read 19 Sep 2026.
Questions people ask
What cashback does the TouchPoints Infinite pay?
0.67% on everything, as a base rate, and 7 other rates.
Is there a cap on the TouchPoints Infinite?
No monthly cap is published on the rates shown here.
What is the annual fee on the TouchPoints Infinite?
AED 1,050 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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