All you need to know about the “TouchPoints” loyalty Program from Abu Dhabi Commercial Bank (ADCB) - UAETouchPoints, loyalty Program, Abu Dhabi, ADCB, UAE

All you need to know about the ADCB TouchPoints Program from Abu Dhabi Commercial Bank


By  Hana Ihjoul , Digital Marketing.

Abu Dhabi Commercial Bank (ADCB) offers you a unique rewards program that allows customers to earn points through various options, In addition to that, the bank provides an abundance of choices to redeem points. 


How to earn “Touchpoints”? 


Customers can earn points when they spend on any ADCB Debit or Credit Card, save with ADCB, finance through ADCB, and invest with the bank. Customers can also earn points for online banking, bill-payments and many other interactions with ADCB.

  • Credit Cards: 

Card Type

Points per 1 AED

Classic Credit Card

0.5 Points

Gold Credit Card

0.5 Points

Platinum and Excellency Credit Cards

1 Point

Excellency Visa Infinite Credit Cards

1.5 Points

ADCB Private World Elite MasterCard

4 Points

Traveller Credit Card

2 Points


  • Utility Bill Payments through Credit Cards: 

Card Type

Points per 1 AED

Classic Credit Card

0.5 Points

Gold Credit Card

0.75 Points

Platinum and Excellency Credit Card

1 Point

Excellency Visa Infinite Credit Card

1.5 Points

ADCB Private World Elite MasterCard

4 Points

Traveller Credit Card

2 Points

* Points are earned when the bill is more than AED 3,500 per month

  • Debit Cards: 

Card Type

Points per 4 AED
Local Spending

Points per 2 AED
International Spending

ADCB Titanium Debit Card

1 Point

1 Point

Privilege Club Debit Card

1.25 Points

1.25 Points

Excellency Premium Debit Card

1.50 Points

1.50 Points


  • ADCB Loans

Loan Type

Points per AED 1,000 spent

Personal Loan  between
AED 10,000 and AED 150,000

200 Points

Personal loans above AED 150,000

300 Points

Smart Loan > 10,000

300 Points

Mortgage Loan

200 Points

Car Loan

50 Points


  • ADCB Insurance Products


Insurance Type

Points earned for every
AED 1,000 of premium paid

Premium Protection Insurance

2000 Points

Premium Savings Insurance

750 Points

Premium Single Insurance

250 Points


  • Other Banking Services

Banking Service

Points earned per AED 1000 earned

Current and savings accounts ranging from AED 10,000 to AED 25,000

15 Points

Current and savings accounts ranging from AED 25,000 to AED 100,000

20 Points

Current and savings accounts in excess of AED 100,000

25 Points

Excellency Current and Savings Account

25 Points

*TouchPoints are earned for current and savings accounts when the average account balance per month is AED 10,000 or more.

*TouchPoints are earned for current and Savings accounts when the average account balance per month is AED 50,000 or more.

  • Electronic Banking Services 

Electronic Service

Points earned

First Time Registration

500 Points

Mobile App

500 Points

SMS Banking

500 Points

Contact Centre

500 Points

Utility Bill Payment (per Payment)

50 Points

External Fund Transfer (per Transfer)

500 Points 


Customers will earn additional points when using Internet Banking, SMS or Mobile App, as follows:

  • You get 250 points when you use any of the above services for a month

  • You get 500 points when you use any of the mentioned services for 2 months

  • You get 1000 points when you use any of these services for three months

Points are earned for each service separately, for example, if customers use SMS and mobile services for three months they will earn 1000 points for using SMS and 1000 points for using the application

Customers will also earn 500 bonus points if they transfer money using the Internet Banking or Bank application in the first month of use, the second month of use and the third month of use.

  • Purchase Touchpoints 

Customers who wish to redeem a specific reward and do not have enough can purchase up to 15,000 points per day for a rate AED 0.8/100 points. 



How to redeem Touchpoints? 

ADCB TouchPoints can be redeemed in one of the following ways:

1. Vouchers: A variety of suppliers offer vouchers for ADCB loyalty customers. You can review a list of suppliers here
2. Pay at shops directly: Customers can visit one of ADCB’s business partners and inform customer services that they wish to pay with their points. Customers need to have their ADCB Card with them. To see the list of partners
3. Points Transfer: Customers can convert  TouchPoints to Etihad Guest Rewards program at a rate of 14 points = 1 Mile. Similarly, they can transfer points to Emirates Skywards Rewards program at a rate of 18 points = 1 Mile.
4. Payment of Bills: Customers can pay water, electricity, mobile, Salik and many more using their points as a payment method.
5. Donate Points: Customers can donate their points to any of the charities and associations that participate with ADCB such as Al Jalila Foundation, UAE Red Crescent and others.


Read about the Top 5 Reward Programs in the United Arab Emirate’s Banking Sector


Last Updated  February 4, 2020