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PremiumVisa
ADCB
TouchPoints Infinite Credit Card
No salary transfer needed
Min. salary
AED 30,000
Annual fee
AED 1,050
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
AED 1,050; AED 525 for Excellency
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 1,050
- Fee note
- AED 1,050; AED 525 for Excellency
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 30,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- AED 1,200 Expedia.ae 2-night stay voucher when you pay the first-year annual membership fee
- Earn up to 1.5 TouchPoints per AED 1 spent
- 15,000 bonus TouchPoints on spending AED 15,000 each month
- 0.4 TouchPoints per AED 1 at supermarkets, auto dealers, insurance and quick service restaurants; 0.2 on fuel, education, government, real estate, telecom, charity and transport; 0.4 on UK & Europe spends
- 200,000 TouchPoints equal approximately AED 1,000; redeem instantly at merchants, on utility bills and Salik, or exchange for Skywards Miles
- Unlimited complimentary access to 1,200+ airport lounges worldwide for primary and supplementary cardholders plus 1 guest per visit
- Complimentary golf all year at Arabian Ranches Golf Club and Abu Dhabi Golf Club (min AED 5,000 monthly spend)
- Buy one get one free movie tickets at VOX Cinemas (up to 4 per month) plus 25% off select meals at the candy bar
- Up to 35% off Avis car rentals worldwide
- Complimentary Multi-Trip Travel Insurance (personal accident up to USD 500,000, emergency medical up to USD 1,000,000)
- 24-hour Visa Infinite concierge
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.