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Independent guides to points, miles and rewards.

United Arab Emirates

ADCB TouchPoints

ADCB TouchPoints explained as a programme: 2,500 = AED 10 on bills, 8,333 = AED 50 at TouchPoints Max partners, and Skywards (22:1) or Etihad Guest (14:1) conversions.

Best ways to maximise ADCB TouchPoints

  • Spend at TouchPoints Max or e-commerce partners for the best cash-like rate. (about AED 0.006 per TouchPoint, against AED 0.004 on bills).
  • Convert to miles only for a reward you've already found. See How to convert TouchPoints.

Current offers

No official offer with a published end date is running right now.

Last checked . Offers come only from official scheme or issuer pages and disappear when they end.

We explain bank rewards programmes for information only. This isn't a recommendation of any card or account.

Summary

  • Value per TouchPoint:
    AED 0.004 to AED 0.006, depending on how you spend
    Converts to:
    Skywards (22:1), Etihad Guest (14:1)
    Last checked:
    1 November 2026
  • ADCB's rewards programme for its customers.
  • Spend: on bills and donations, at TouchPoints Max and e-commerce partners, at in-store partners, or convert to airline miles.
  • Our verdict: know the AED value of your balance before converting. Converting to miles only makes sense for a specific reward.

Value per TouchPoint, with the sums

  • Bills, donations, Zakat

    ADCB's rate:
    2,500 = AED 10
    Per TouchPoint:
    AED 0.004

  • TouchPoints Max and e-commerce partners

    ADCB's rate:
    8,333 = AED 50
    Per TouchPoint:
    about AED 0.006

  • In-store instant partners

    ADCB's rate:
    10,000 = AED 50
    Per TouchPoint:
    AED 0.005
  • 10,000 TouchPoints = AED 40 on bills (10,000 × 0.004), AED 50 in store, or about AED 60 at Max partners (10,000 ÷ 8,333 × 50 = AED 60.00).

Conversions

  • Emirates Skywards

    Ratio:
    22 TouchPoints = 1 Mile (minimum 22,000, since 1 November 2024)
    AED of TouchPoints given up per mile (at the bills rate):
    22 × AED 0.004 = AED 0.088

  • Etihad Guest

    Ratio:
    14 TouchPoints = 1 Mile
    AED of TouchPoints given up per mile (at the bills rate):
    14 × AED 0.004 = AED 0.056

FAQ

How much are 10,000 TouchPoints worth? Between AED 40 and about AED 60, depending on where you spend them.

What's the TouchPoints to Skywards rate? 22 TouchPoints per Skywards Mile, minimum 22,000 TouchPoints.

Sources (official, checked 1 November 2026)

  • ADCB, TouchPoints rate change (effective 1 November 2024): https://www.adcb.com/en/personal/promotions/tp-updates
  • ADCB, TouchPoints redemption rates: https://www.adcb.com/en/personal/general/tp-redemption-rates
  • ADCB, TouchPoints Max: https://www.adcb.com/en/personal/promotions/touchpoints-max
  • Etihad Guest, points transfer partners (14:1): https://www.etihad.com/en-af/etihadguest/earn-miles/transfer-your-points

All UAE programme verdicts