TouchPoints Platinum cashback rate, cap and annual fee
TouchPoints Platinum pays 0.45% on everything, as a base rate, and 7 other rates. The card costs AED 630 a year.
ADCB · United Arab Emirates · catalogue v101
Read from ADCB's own published terms on 19 Sep 2026.
AED 630Annual fee
0.45%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 0.45% | —Everything else, including restaurants that are not fast food. Merchants in the United Kingdom and the EEA 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 files with them: car dealers, insurance and fast-food restaurants. |
| fuel | 0.09% | —Fuel, on the 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. |
ADCB's top band here is 1 TouchPoint a dirham, which at the published rate of about half a fil is roughly 0.45%. Below it sit two bands the headline never mentions: 0.4 TouchPoints at supermarkets, car dealers, insurance and fast-food restaurants, and 0.2 on fuel, education, government, real estate, telecoms, charity and transport. Spending in the UK or the EEA earns 0.4 whatever it is spent on. The thing worth planning around is not in the rate table at all: ADCB pays a flat 10,000 bonus TouchPoints in any month you spend AED 10,000, which is another AED 45 and doubles what the card returns at exactly that level of spending. Year one is free; the prevailing fee applies from the second year. Source: adcb.com TouchPoints Platinum page, read 19 Sep 2026.
Questions people ask
What cashback does the TouchPoints Platinum pay?
0.45% on everything, as a base rate, and 7 other rates.
Is there a cap on the TouchPoints Platinum?
No monthly cap is published on the rates shown here.
What is the annual fee on the TouchPoints Platinum?
AED 630 a year.
Knowing the rate is not the same as remembering it
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