TouchPoints Platinum Credit Card
No salary transfer needed
Free for the first year; AED 630 Aspire, AED 315 Privilege, free for Excellency from year 2
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 630
- Fee note
- Free for the first year; AED 630 Aspire, AED 315 Privilege, free for Excellency from year 2
- 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 5,000
- 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.
What you get.
- Earn up to 1 TouchPoint per AED 1 spent
- 10,000 bonus TouchPoints on spending AED 10,000 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
- Buy one get one free movie tickets at VOX Cinemas (up to 4 per month) plus 25% off select meals at the candy bar
- 20% off talabat orders up to AED 20 per order on 2 orders a month (promo ADCBPLAT), plus 20% off one grocery/food order per month via Mastercard promo (cap AED 14)
- Complimentary golf all year at Arabian Ranches Golf Club and Abu Dhabi Golf Club (min AED 5,000 monthly spend)
- Airport lounge access: 4 visits per year at 25+ lounges (Mastercard) or 3 visits per year at 1,200+ lounges (Visa), including supplementary cardholders
- Up to 20% off Avis car rentals worldwide
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.