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RewardsVisa
ADCB
TouchPoints Titanium Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
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%
Free for life
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 0
- Fee note
- Free for life
- 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.
02Rewards & perks
What you get.
- Earn up to 0.5 TouchPoints per AED 1 spent
- 5,000 bonus TouchPoints on spending AED 5,000 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
- 100,000 TouchPoints equal approximately AED 500; 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 2 per month, 2D Standard and 2D Max Standard)
- 20% off one talabat grocery or food order per month (capped at AED 14)
- Up to 20% off Avis car rentals worldwide (Gold Visa)
- 0% Interest Payment Plan on school fees
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.