TouchPoints Titanium / Gold cashback rate, cap and annual fee
TouchPoints Titanium / Gold pays 0.22% on everything, as a base rate, and 7 other rates.
ADCB · United Arab Emirates · catalogue v101
Read from ADCB's own published terms on 19 Sep 2026.
NoneAnnual fee
0.22%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 0.22% | —Everything else. Merchants in the United Kingdom and the EEA earn 0.4 instead, which is almost the same. |
| 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. |
The free tier of the TouchPoints family, and the one where the reduced bands matter most. The top band is 0.5 TouchPoints a dirham — about 0.225% — while supermarkets, car dealers, insurance and fast food pay 0.4 and fuel, education, government, real estate, telecoms, charity and transport pay 0.2. So a grocery shop on this card earns nearly as much as anything else does, which is another way of saying the card barely pays. What lifts it is the monthly bonus: 5,000 TouchPoints, about AED 22.50, in any month you spend AED 5,000. That is roughly triple the base earning, and it arrives only if the threshold is met. No annual fee. Source: adcb.com TouchPoints Gold and Titanium page, read 19 Sep 2026.
Questions people ask
What cashback does the TouchPoints Titanium / Gold pay?
0.22% on everything, as a base rate, and 7 other rates.
Is there a cap on the TouchPoints Titanium / Gold?
No monthly cap is published on the rates shown here.
What is the annual fee on the TouchPoints Titanium / Gold?
No annual fee.
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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