Do you yearn for rewards every time you use your ADCB debit or credit card?
Do you dream of redeeming those rewards for exciting goodies or exclusive experiences?
Look no further than the ADCB TouchPoints program! It’s your gateway to unlocking a world of benefits just by banking and spending the way you always do.
This blog is here to help you understand and make the most of the ADCB TouchPoints program. Whether you’re already familiar with earning and using points or just starting out, we’ll give you all the information you need to know.
What is the ADCB TouchPoints?
ADCB, which stands for Abu Dhabi Commercial Bank, wants to make sure its customers know just how much they value them. That’s why they came up with the TouchPoints Rewards Program! It’s a special program that’s different from what other banks offer. In fact, it’s the very first Bank Wide Rewards Program of its kind in the region!
So, what makes this program so special? You get rewarded ADCB Conventional and Shari’ah Compliant products and services for everyday banking with ADCB. That means you can earn rewards across almost all their products and services. For example, if you use an ADCB Credit Card or Debit Card to make purchases, you’ll earn TouchPoints. If you save money with ADCB or get a loan from them, you’ll earn TouchPoints, too. Even if you do online banking with ADCB, you can earn TouchPoints!
Now, what can you do with these TouchPoints? Well, you can redeem them for vouchers that you can use at fancy stores and places that ADCB partners with.
ADCB TouchPoints Relationship
A TouchPoints Relationship refers to the different ADCB Products and Services that allow you to earn TouchPoints. Each of these products and services is considered a TouchPoints Relationship. Applying for and using the products and services mentioned in the conventional products above is easy.
Let’s say you have an ADCB Current Account, an ADCB Debit Card, an ADCB Platinum Credit Card, and a Mortgage Loan under the same customer ID. In this case, you would have four TouchPoints Relationships with ADCB. Each of these relationships gives you the opportunity to earn TouchPoints.
To earn more TouchPoints, all you have to do is continue adding more products and using a variety of ADCB services that fall under the “TouchPoints Relationship” category. By expanding your range of ADCB products and utilising more of their services, you’ll have the opportunity to accumulate even more TouchPoints.
What is a TouchPoints Account?
The “TouchPoints Account” is a special account created for each customer, where all your touchpoints are stored and accumulated.
Whenever you participate in activities that earn TouchPoints through different TouchPoints Relationships, those earned TouchPoints are automatically added to your TouchPoints Account. This account acts as a central hub where all your earned TouchPoints, bonus TouchPoints, adjusted TouchPoints, redeemed TouchPoints, and expired TouchPoints are collectively reflected.
In simpler terms, it’s like a virtual piggy bank where all your TouchPoints are kept. So, they go into this account whenever you earn TouchPoints from using ADCB products and services. Similarly, when you redeem TouchPoints for rewards or if any adjustments or bonus points are applied, those changes are reflected in your TouchPoints Account.
ADCB Products and Services that Offer TouchPoints
Conventional Products
- Current Account
- Savings Account
- Fixed Deposits
- ADCB TouchPoints Credit Card (Standard/Classic, Gold, Platinum, Excellency, Infinite Card, ADCB Private World Elite MasterCard and Traveller Card)
- ADCB Debit Card (Regular, Excellency)
- Personal Loan
- Smart Loan
- Car Loan
- Mortgage Loan
- Electronic Channels (ADCB@ctive Personal Internet Banking, ADCBMobile, IVR 600 50 2030)
- Investment Products
- Insurance Products
ADCB Islamic Banking Products
- Current Account
- Savings Account
- Term Investment Deposit
- ADCB Islamic Debit Card
- ADCB TouchPoints Credit Card
- Murabaha Personal Finance
- Murabaha Auto Finance
- Home Finance
- Electronic Channels (ADCB@ctive Personal Internet Banking, ADCBMobile, IVR 600 50 2030)
- Investment Products
- Takaful and Savings Programme Products
How to Earn TouchPoints
You can earn TouchPoints from the “TouchPoints Relationship”, and you can also earn bonus TouchPoints during promotions. Make sure to check the ADCB TouchPoints Earning Table here.
Using ADCB Credit Card
When using your ADCB Credit Card, you’ll accumulate TouchPoints for each Dirham spent on eligible purchases. The more you utilise your card, the more TouchPoints you’ll earn, providing greater redemption opportunities. It’s important to note that certain transactions are not eligible for earning TouchPoints.
These include cash advances, fees, charges, interest, balance transfers, credit card loans, insurance premiums or payments, foreign currency purchases, utility bill payments exceeding the earning limit, disputed transactions, erroneous transactions, and unauthorized/fraudulent transactions and payments.
Using an ADCB Debit Card
When using your ADCB Debit Card, you’ll earn higher TouchPoints for eligible purchases made outside the U.A.E. Whether you’re shopping locally or internationally, using your ADCB Debit Card will help you accumulate more TouchPoints. The same transactions are not eligible for earning TouchPoints, as mentioned above.
Using Current and/or Savings Account
The more you maintain an average monthly balance in your Current and/or Savings Account, the higher the number of TouchPoints you will earn. TouchPoints are earned based on the average monthly balance you maintain across your current and savings accounts associated with the same customer ID.
Excellency customers can also benefit from the TouchPoints program based on their account balances. It’s important to note that all current and savings accounts held under the same customer ID are treated as a single account and are subject to minimum qualifying criteria and point accrual limits.
Opening Fixed Deposits
Fixed Deposits offer you the advantage of earning both interest and TouchPoints. Upon maturity of the Fixed Deposit Amount for the chosen tenure, you will earn TouchPoints.
It’s important to note that all deposits held under the same customer ID will be subject to minimum qualifying criteria and point accrual limits. This means you can enjoy the benefits of earning TouchPoints and the interest on your Fixed Deposit.
Taking Out Personal, Smart, Car, or Mortgage Loan
When you take out a Personal, Smart, Car, or Mortgage Loan, you have the opportunity to earn TouchPoints. TouchPoints are earned based on the disbursed loan amount. It’s important to note that the TouchPoints will be credited to your TouchPoints Account after at least thirty (30) days from the account activation, provided that the account remains active and in good standing during that period.
The exact number of TouchPoints credited to your TouchPoints Account will be subject to minimum qualifying criteria and TouchPoints accrual limits. This means that the amount of TouchPoints you earn will depend on certain criteria and limits set by the program.
Subscribing to Insurance Products Distributed by ADCB i.e Bancassurance
With Bancassurance a collaborative agreement was established between an ADCB and an insurance company, enabling them to market and distribute its products to the ADCB’s existing customer network. TouchPoints are earned once the insurance company approves your Insurance product and you have fulfilled the requirement of paying the first premium as per the terms and conditions.
Using the Electronic Channels (ADCB@ctive Personal Internet Banking, ADCB Mobile, IVR 600 50 2030)
TouchPoints are earned on the first-time registration to ADCB@ctive Personal Internet Banking, ADCB Mobile, and when registering for a Telephone Personal Identification Number (TPIN) on the IVR. Additionally, TouchPoints can be earned when making a utility bill payment (per payment) or an external funds transfer.
However, it’s important to note that TouchPoints are subject to qualifying criteria and limits for accrual. Please be aware that no TouchPoints will be earned for funds transfers made between ADCB accounts.
ADCB Cards TouchPoints Equivalent
| ADCB Product | TouchPointsAwarded on | TouchPoints Earned up to | Monthly Bonus TouchPoints | Cap |
| Credit Cards: Classic/Standard Cards | Retail Purchases | 0.5 TouchPoints earned for every Retail Purchase of AED 1. | 5,000 TouchPoints when you spend AED 5,000. | No** |
| Credit Cards:Gold Cards | Retail Purchases | 0.5 TouchPoints earned for every Retail Purchase of AED 1. | 5,000 TouchPoints when you spend AED 5,000. | No** |
| Credit Cards: Platinum and Excellency Cards | Retail Purchases | 1 TouchPoints earned for every Retail Purchase of AED 1. | 10,000 TouchPoints when you spend AED 10,000. | No** |
| Credit Cards:Excellency Visa Infinite Cards | Retail Purchases | 1.5 TouchPoints earned for every Retail Purchase of AED 1. | 15,000 TouchPoints when you spend AED 15,000. | No** |
| Credit Cards :ADCB Betaqti (exclusive to UAE Nationals) | Retail Purchases | 3 TouchPoints earned for every Retail Purchase of AED 1. | No | No** |
| Credit Cards:ADCB Private World Elite MasterCards | Retail Purchases | 4 TouchPoints earned for every Retail Purchase of AED 1. | No | No** |
| Credit Cards: Traveller Cards (All retailpurchases made at merchants based outside UAE will not earn TouchPoints) | Retail Purchases | 2 TouchPoints earned for every Retail Purchase of AED 1. | No | No** |
| Utility Bill Payments: Classic/Standard Credit Cards | Utility Bill Payments | 0.5 TouchPoints earned for every AED 1 spent to make payment. | No | < AED 3,500 every month |
| Utility Bill Payments: Gold Credit Cards | Utility Bill Payments | 0.75 TouchPoints earned for every AED 1 spent to make payment. | No | < AED 3,500 every month |
| Utility Bill Payments: Platinum and Excellency Credit Cards | Utility Bill Payments | 1 TouchPoints earned for every AED 1 spent to make payment. | No | < AED 3,500 every month |
| Utility Bill Payments: Excellency Visa Infinite Credit Cards | Utility Bill Payments | 1.5 TouchPoints earned for every AED 1 spent to make payment. | No | < AED 3,500 every month |
| Utility Bill Payments: ADCB Private World Elite MasterCards | Utility Bill Payments | 4 TouchPoints earned for every AED 1 spent to make payment. | No | < AED 3,500 every month |
| Utility Bill Payments: Traveller Cards | Utility Bill Payments | 2 TouchPoints earned for every AED 1 spent to make payment. | No | < AED 3,500 every month |
| ADCB Titanium Debit Card | Retail Purchases | 0.4 TouchPoint earned for every Retail Purchase of AED 4 within UAE2 TouchPoints earned for every Retail Purchase of AED 4 overseas* | No | No |
| Privilege Club Debit Card and Emirati Debit card | Retail Purchases | 0.6 TouchPoints earned for every Retail Purchase of AED 4 within UAE2.5 TouchPoints earned for every retail Purchase of AED 4 overseas* | No | No |
| Excellency and Emirati Excellency PremiumDebit Card | Retail Purchases | 0.8 TouchPoints earned for every Retail Purchase of AED 4 within UAE3 TouchPoints earned for every Retail Purchase of AED 4 overseas* | No | No |
| Private ClientDebit Card | Retail Purchases | 1.50 TouchPoints earned for every Retail Purchase of AED 2 within UAE and overseas*. | No | No |
Note: **During a month, the cardholder can only earn TouchPoints for transactions that fall within the assigned Credit Limit on the card. Transactions that exceed the Credit Limit will not earn any TouchPoints for that month.
How to Redeem ADCB TouchPoints?
Redeeming your TouchPoints is a breeze! You have a few convenient options to instantly redeem your TouchPoints.
You can conveniently use your TouchPoints to make online payments. Here’s how it works:
TouchPoints online
- Visit the website or mobile app of the merchant from whom you wish to make a purchase.
- Select the item you want to buy and proceed to checkout.
- At the checkout, choose “ADCB TouchPoints” as your payment option.
- To check your TouchPoints balance, enter your ADCB card details.
- Next, select the number of TouchPoints you would like to use towards your purchase.
- For added security, you will receive a One-Time Password (OTP) on your registered mobile number or email. Enter this OTP.
- Finally, complete your payment by using your TouchPoints.
If you would like to see a list of partners who accept TouchPoints as a payment method online, please click here.
TouchPoints In-store
- Visit the merchant outlet and select the items you wish to purchase.
- Inform the staff at the counter that you would like to pay with TouchPoints.
- Present your ADCB Credit or Debit Card to the staff at the counter.
- The staff will swipe your card to process an instant payment using your TouchPoints.
- Complete the transaction, and you’re done!
Please click here to explore the full list of partners who accept TouchPoints as a payment method in-store.
ADCB Personal Internet Banking or Mobile App
Follow the below Simple Steps to Pay with your TouchPoints:
- Login to ADCB Personal Internet Banking or Mobile app
- Click on “TouchPoints” and then “Redeem Now”
- Select your preferred redemption option
- Complete the transaction
FAQs
What is 100,000 Equivalent in AED?
For Titanium and Gold Credit Card, 100,000 TouchPoints would be equivalent to AED 600 approximately depending on the redemption option of your choice.
Can the TouchPoints that have been redeemed be refunded or converted into cash?
No, unfortunately, once TouchPoints have been redeemed, they cannot be refunded or exchanged for cash.
Do the TouchPoints ever expire?
Yes, they do. You can check the expiration status of your TouchPoints on your TouchPoints Summary Statement. Each TouchPoint is valid for three years from the last day of the month in which you earned them. If you don’t use your TouchPoints before the expiration date, they will expire and be deducted from your total TouchPoints balance.
How frequently can I redeem the TouchPoints I’ve earned?
There are no limitations on the number of times you can redeem your TouchPoints. You can redeem them as frequently as you desire, depending on the number of TouchPoints available in your TouchPoints account and the number of TouchPoints required for redemption in exchange for the voucher you have chosen.
Can you transfer your TouchPoints to someone else?
Absolutely! You have the option to transfer your TouchPoints to other customers who have accounts with ADCB and Al Hilal. Click here to know more.
What occurs if I have redeemed all of my TouchPoints and do not earn any additional TouchPoints for a period of time?
Rest assured that your TouchPoints Account will remain active as long as the TouchPoints Relationship associated with it is open and in good standing.
Are there any Membership Fees to Enrol in the Programme?
You can enrol in the program free of charge. Plus, if you’re already an ADCB customer, you’re automatically enrolled in the TouchPoints Rewards Program without doing anything extra.
ADCB believes that their customers deserve to enjoy the benefits and rewards without any additional costs. They want to make it as easy and accessible as possible for you to earn and redeem TouchPoints.
At what point can I redeem the TouchPoints I’ve earned?
You can redeem your TouchPoints once they have been transferred to your TouchPoints Account by the relevant TouchPoints Relationship. It’s important to note that only the Primary account holder has the ability to redeem TouchPoints.
What is the minimum number of TouchPoints required for redemption?
The minimum number of TouchPoints needed to obtain a specific voucher will be clearly indicated next to the respective Merchant Partner Outlet.
Do Excellency Customers earn additional TouchPoints?
Yes, Excellency Customers holding Excellency Current Accounts, Savings Accounts, ADCB Platinum Credit Cards, or ADCB Excellency Credit Cards earn higher TouchPoints. All current and savings accounts under the same customer ID are treated as one account for TouchPoints calculation.
