The ADCB TouchPoints Platinum Credit Card offers premium benefits tailored for those who want more value in everyday spending.
This article breaks down its features, perks, and how it stands out. Expect insights on rewards, travel benefits, and exclusive privileges. Get the key details to decide if it fits your lifestyle.
Abu Dhabi Commercial Bank Overview
Abu Dhabi Commercial Bank (ADCB) is a major bank in the UAE. It offers a variety of banking services. It plays a key role in personal, corporate, and investment banking.
The bank focuses on digital solutions and customer convenience. ADCB is financially strong and provides diverse products. The TouchPoints Platinum Credit Card offers premium benefits.
Key Features of the TouchPoints Platinum Credit Card
The TouchPoints Platinum Credit Card is designed for individuals who want added value in everyday spending.
It provides access to rewards, discounts, and exclusive privileges, making it a versatile option for shopping, travel, and lifestyle needs.
Credit Limit and Eligibility
The credit limit for this card depends on income and credit history. Higher-income individuals may qualify for a larger limit.
Applicants must meet the bank’s minimum salary requirement to be eligible. Other factors, such as age, employment status, and financial background, also play a role.
A strong credit score increases the likelihood of approval. Limits and requirements may vary based on the bank’s policies.
Rewards and Benefits
Cardholders can earn TouchPoints on every eligible transaction. These points can be redeemed for a variety of rewards, enhancing the value of everyday purchases.
TouchPoints on Every Purchase
Every transaction using the card earns TouchPoints, helping cardholders accumulate rewards. Points can be collected on shopping, dining, travel, and bill payments.
Spending more leads to greater rewards, with bonus TouchPoints for reaching spending thresholds. The program is designed to benefit frequent users.
Complimentary Lounge Access
The card provides unlimited airport lounge access at select locations. Travelers can enjoy comfortable waiting areas, refreshments, and priority services.
This feature is valid at both domestic and international airports. It enhances the travel experience for frequent flyers.
Discounts on Dining, Travel, and Entertainment
Cardholders get buy-one-get-one-free movie tickets at VOX Cinemas. Dining discounts include 20% off Talabat orders, making food delivery more affordable.
Travel perks offer savings on flights and hotel bookings. Additional shopping and entertainment deals add further value.
Rewards and Redemption Options
TouchPoints can be redeemed for multiple options, allowing cardholders to make the most of their rewards. The program offers flexibility in how points are used across different spending categories.
Details on Earning TouchPoints
Cardholders earn points on every eligible purchase, including shopping, dining, and travel expenses.
Special categories may offer higher rewards, helping users accumulate points faster. Spending AED 10,000 unlocks bonus TouchPoints, adding more value.
Large purchases and recurring bill payments also contribute to earning potential. Promotional offers occasionally boost point accumulation.
How to Redeem TouchPoints
TouchPoints can be used for vouchers, cashback, and air miles. Redemption is available through the bank’s online platforms, making the process simple.
Gift cards, bill payments, and travel bookings are additional options. Shopping discounts can also be claimed using points.
Depending on the reward category, some redemptions may require a minimum balance of points.
Bonus Points on Specific Purchases
Certain purchases may qualify for extra TouchPoints. Seasonal promotions and partner deals offer higher rewards for travel, dining, and online shopping.
Spending in selected categories can significantly increase the total points earned.
Checking for active promotions ensures that cardholders maximize their rewards. Frequent spending unlocks more benefits.
What to Expect in Charges?
This card comes with fees and interest rates that depend on usage. Understanding these costs helps in managing expenses effectively.
Annual Fees
Cardholders pay an annual fee based on their card type. Higher-tier cards may have higher fees due to added benefits.
Some promotions may waive fees for the first year. The fee is deducted automatically from the account.
Checking the latest fee structure ensures there are no surprises. Annual fees vary, so reviewing them before applying is important.
Interest Rates on Purchases and Cash Withdrawals
Purchases are subject to monthly interest if not paid in full. Cash withdrawals often have higher interest rates, making them costly.
The bank sets interest based on the cardholder’s profile. Paying off the balance on time avoids extra charges.
Interest rates may change, so reviewing terms is necessary. Responsible spending helps minimize interest payments.
Foreign Transaction Fees
Transactions in foreign currencies come with conversion charges. A percentage-based fee applies to international purchases.
Currency exchange rates also affect the final amount charged. Using local currency when possible may reduce costs.
Reviewing the fee structure helps in planning foreign expenses. Some promotions may offer lower foreign transaction fees.
Additional Benefits
This card includes complimentary services and exclusive privileges. These benefits add value beyond just spending rewards.
Complimentary Travel Insurance
Cardholders receive free travel insurance for international trips. The coverage includes medical emergencies and trip cancellations.
Protection applies when booking tickets with the card. Reviewing the terms ensures full use of the benefit.
Free Supplementary Cards
Additional cards can be issued without extra fees. Family members can enjoy the same benefits as the primary cardholder.
Spending on these cards earns rewards for the main account. Limits can be set for better expense control.
Exclusive Offers With Partner Businesses
Special discounts apply to select merchants for shopping, dining, and travel. Partner brands offer exclusive deals for cardholders.
Limited-time promotions can provide extra savings. Checking for active offers ensures maximum benefits.
How to Apply and What You Need?
Applying for an ADCB TouchPoints Platinum credit card is quick and simple. Follow these steps to get started:
- Call the 24-hour contact center at 600 50 2030.
- Send an SMS with “TPCARD” to 2626.
- Visit a branch to apply in person.
Documentation Required:
- Valid Emirates ID for UAE residents.
- Passport and visa copy (for expatriates).
- Salary certificate or proof of income.
- Bank statements (if required for credit assessment).
Eligibility Criteria:
- Applicants must meet the minimum salary requirement.
- A good credit score improves approval chances.
- Age criteria may apply based on bank policies.
- Employment status and financial stability are considered.
Customer Service and Support
Help is available 24/7 through the contact center. For assistance, call 600 50 2030 to speak with a representative.
Quick Summary of the ADCB TouchPoints Platinum Credit Card
The ADCB TouchPoints Platinum Credit Card provides valuable rewards and lifestyle perks. Cardholders can earn TouchPoints on every purchase and redeem them for multiple benefits.
Simple application methods and strong customer support enhance convenience. Checking the latest fees and offers ensures smart usage.
Disclaimer: Information is subject to change based on bank policies. Always review the latest terms and conditions before applying.