Abu Dhabi Commercial Bank
TouchPoints Infinite Credit Card
- Salary
- AED 40,000
- Fee
- AED 1,050
- Reward
- rewards
Card comparison
TouchPoints Infinite Credit Card vs Flex Elite Covered Card vs Skywards Signature Credit Card vs Etihad Guest Platinum Credit Card
Compare TouchPoints Infinite Credit Card from Abu Dhabi Commercial Bank, Flex Elite Covered Card from Emirates Islamic, Skywards Signature Credit Card from…
Abu Dhabi Commercial Bank
TouchPoints Infinite Credit Card
Emirates Islamic
Flex Elite Covered Card
- Salary
- AED 15,000
- Fee
- AED 735
- Reward
- EI SmartMiles
Emirates Islamic
Skywards Signature Credit Card
- Salary
- AED 12,000
- Fee
- AED 735
- Reward
- Skywards Miles
Emirates Islamic
Etihad Guest Platinum Credit Card
- Salary
- AED 5,000
- Fee
- AED 208.95
- Reward
- Etihad Guest Miles
Side by side
Compare key facts
TouchPoints Infinite Credit CardAbu Dhabi Commercial BankFlex Elite Covered CardEmirates IslamicSkywards Signature Credit CardEmirates IslamicEtihad Guest Platinum Credit CardEmirates Islamic
Rewards
Reward details
TouchPoints Infinite Credit Card
TouchPoints - Up to 1.5 TouchPoints on all spends - Up to 1.5 TouchPoints on all your spends- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Eligibility
Minimum Salary
TouchPoints Infinite Credit CardAED 40,000↑
Flex Elite Covered CardAED 15,000•
Skywards Signature Credit CardAED 12,000•
Etihad Guest Platinum Credit CardAED 5,000↓
Salary Transfer Required
TouchPoints Infinite Credit CardNo
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
Required Documents
TouchPoints Infinite Credit Card
Proof of salary - Latest salary certificate or bank statement - Latest salary certificate or bank statements- ID proof - Valid Emirates ID or passport - A valid passport or Emirates ID
Flex Elite Covered Card
- Proof of salary - Latest salary certificate or payslips - Proof of salary: latest salary certificate or payslips
- Identity proof - Valid Emirates ID or passport
- Address proof - Utility bill or tenancy contract
Skywards Signature Credit Card
- Salary Certificate / Payslip - Proof of income - minimumSalary: AED 12,000
- Valid Emirates ID - Proof of identity
- Bank Statements - Latest 3 months - sourceDocuments include bank statements
Etihad Guest Platinum Credit Card
- Valid Emirates ID - Mandatory - A valid Emirates ID
- Proof of Income - Mandatory - Latest salary certificate or proof of income
- Passport - Mandatory - Valid passport
Fees and rates
Annual Fee
TouchPoints Infinite Credit CardAED 1,050↑
Flex Elite Covered CardAED 735•
Skywards Signature Credit CardAED 735•
Etihad Guest Platinum Credit CardAED 208.95↓
First Year Annual Fee
TouchPoints Infinite Credit CardNot listed
Flex Elite Covered CardAED 0•
Skywards Signature Credit CardAED 0•
Etihad Guest Platinum Credit CardAED 0•
Foreign Transaction Fee
TouchPoints Infinite Credit Card2.99%↑
Flex Elite Covered Card2.34%↓
Skywards Signature Credit Card2.34%↓
Etihad Guest Platinum Credit Card2.34%↓
APR
TouchPoints Infinite Credit Card44.28% APR•
Flex Elite Covered Card44.28% APR•
Skywards Signature Credit Card44.28% APR•
Etihad Guest Platinum Credit Card44.28% APR•
Cash Advance Fee
TouchPoints Infinite Credit CardNot listed
Flex Elite Covered CardAED 3.15•
Skywards Signature Credit CardAED 3.15•
Etihad Guest Platinum Credit CardAED 3.15•
Cashback and rewards
Rewards
TouchPoints Infinite Credit Card
TouchPoints - Up to 1.5 TouchPoints on all spends - Up to 1.5 TouchPoints on all your spends- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Reward Rate
TouchPoints Infinite Credit Card
- TouchPoints - Up to 1.5 TouchPoints on all spends - Up to 1.5 TouchPoints on all your spends
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Welcome Bonus
TouchPoints Infinite Credit Card
- TouchPoints - Up to 1.5 TouchPoints on all spends - Up to 1.5 TouchPoints on all your spends
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Travel
Airport Lounge Access
TouchPoints Infinite Credit CardUnlimited worldwide
Flex Elite Covered CardUnlimited access to 1,200+ lounges worldwide
Skywards Signature Credit Cardmentioned
Etihad Guest Platinum Credit Cardmentioned
Travel Insurance
TouchPoints Infinite Credit Cardmentioned
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
Valet Parking
TouchPoints Infinite Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Signature Credit Card1 complimentary valet parking service per month
Etihad Guest Platinum Credit CardNot listed
Card Network
TouchPoints Infinite Credit CardVisa
Flex Elite Covered CardVisa
Skywards Signature Credit CardVisa
Etihad Guest Platinum Credit CardVisa
Lifestyle
Concierge
TouchPoints Infinite Credit Cardmentioned
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
Card type
Sharia Compliant
TouchPoints Infinite Credit CardNo
Flex Elite Covered CardYes
Skywards Signature Credit CardYes
Etihad Guest Platinum Credit CardYes
Islamic
TouchPoints Infinite Credit CardNo
Flex Elite Covered CardYes
Skywards Signature Credit CardYes
Etihad Guest Platinum Credit CardYes
Other useful facts
Minimum Credit Limit
TouchPoints Infinite Credit CardAED 50,000
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
APR
TouchPoints Infinite Credit Card44.28%•
Flex Elite Covered Card44.28%•
Skywards Signature Credit Card44.28%•
Etihad Guest Platinum Credit Card44.28%•
Monthly purchase rate
TouchPoints Infinite Credit Card3.69%
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
Movie Benefit
TouchPoints Infinite Credit CardBuy1-Get1 free movie tickets at VOX cinemas
Flex Elite Covered CardRoxy Cinemas
Skywards Signature Credit CardReel Cinemas
Etihad Guest Platinum Credit CardMovie Offers
Minimum Payment
TouchPoints Infinite Credit Card5% or AED 100, whichever is higher
Flex Elite Covered Card5% of closing balance outstanding or AED 100, whichever is higher
Skywards Signature Credit Card5% of closing balance outstanding or AED 100, whichever is higher
Etihad Guest Platinum Credit Card5% of closing balance outstanding or AED 100, whichever is higher
Lounge Access
TouchPoints Infinite Credit Cardmentioned
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
Eligible Cards
TouchPoints Infinite Credit CardInfinite; Platinum; Titanium
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
Free Tickets Infinite
TouchPoints Infinite Credit Card4
Flex Elite Covered CardNot listed
Skywards Signature Credit CardNot listed
Etihad Guest Platinum Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelLifestyleCard typeOther useful facts
| Field | TouchPoints Infinite Credit CardAbu Dhabi Commercial Bank | Flex Elite Covered CardEmirates Islamic | Skywards Signature Credit CardEmirates Islamic | Etihad Guest Platinum Credit CardEmirates Islamic |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 40,000↑ | AED 15,000• | AED 12,000• | AED 5,000↓ |
| Salary Transfer Required | No | Not listed | Not listed | Not listed |
| Required Documents |
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| Fees and rates | ||||
| Annual Fee | AED 1,050↑ | AED 735• | AED 735• | AED 208.95↓ |
| First Year Annual Fee | Not listed | AED 0• | AED 0• | AED 0• |
| Foreign Transaction Fee | 2.99%↑ | 2.34%↓ | 2.34%↓ | 2.34%↓ |
| APR | 44.28% APR• | 44.28% APR• | 44.28% APR• | 44.28% APR• |
| Cash Advance Fee | Not listed | AED 3.15• | AED 3.15• | AED 3.15• |
| Cashback and rewards | ||||
| Rewards |
|
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|
|
| Reward Rate |
|
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|
| Welcome Bonus |
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| Travel | ||||
| Airport Lounge Access | Unlimited worldwide | Unlimited access to 1,200+ lounges worldwide | mentioned | mentioned |
| Travel Insurance | mentioned | Not listed | Not listed | Not listed |
| Valet Parking | Not listed | Not listed | 1 complimentary valet parking service per month | Not listed |
| Card Network | Visa | Visa | Visa | Visa |
| Lifestyle | ||||
| Concierge | mentioned | Not listed | Not listed | Not listed |
| Card type | ||||
| Sharia Compliant | No | Yes | Yes | Yes |
| Islamic | No | Yes | Yes | Yes |
| Other useful facts | ||||
| Minimum Credit Limit | AED 50,000 | Not listed | Not listed | Not listed |
| APR | 44.28%• | 44.28%• | 44.28%• | 44.28%• |
| Monthly purchase rate | 3.69% | Not listed | Not listed | Not listed |
| Movie Benefit | Buy1-Get1 free movie tickets at VOX cinemas | Roxy Cinemas | Reel Cinemas | Movie Offers |
| Minimum Payment | 5% or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher |
| Lounge Access | mentioned | Not listed | Not listed | Not listed |
| Eligible Cards | Infinite; Platinum; Titanium | Not listed | Not listed | Not listed |
| Free Tickets Infinite | 4 | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
TouchPoints Infinite Credit CardMiles · Lounge · Dining
|
Abu Dhabi Commercial Bank | AED 1,050 | AED 40,000 | 44.28% APR | Not listed |  Miles Lounge Dining Travel Cinema Islamic Low fee | Visa | Details | |
|
Flex Elite Covered CardCashback · Miles · Lounge
|
Emirates Islamic | AED 735 | AED 15,000 | 44.28% APR | AED 3.75 | CashbackMilesLoungeTravelCinemaIslamicLow fee | Visa | Details | |
|
Skywards Signature Credit CardMiles · Lounge · Travel
|
Emirates Islamic | AED 735 | AED 12,000 | 44.28% APR | Up to 1.5 Skywards Miles per USD spent | MilesLoungeTravelCinemaIslamicLow fee | Visa | Details | |
|
Etihad Guest Platinum Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 208.95 | AED 5,000 | 44.28% APR | Up to 2 Etihad Guest Miles per USD spent | CashbackMilesLoungeDiningTravelCinemaLow fee | Visa | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.