How to Convert ADCB TouchPoints to AED

The ADCB TouchPoints rewards system lets customers collect points by using their bank account and debit or credit cards and other activities. Customers of ADCB TouchPoints program can transform their collected points into different rewards with cash equivalents available in the UAE dirham currency. The guide provides instructions about converting ADCB TouchPoints to AED starting from November 1, 2024, along with the latest program updates.

Understanding ADCB TouchPoints Redemption Value

Before converting TouchPoints to AED, it’s important to know the redemption rate:

• New Conversion Rate (Effective November 1, 2024):
  • 2,500 TouchPoints = AED 10
  • This is an update from the previous rate of 2,300 TouchPoints = AED 10.
• Minimum Redemption Requirement:
  • Previously: AED 20 (4,600 TouchPoints)
  • Now: AED 10 (2,500 TouchPoints)

Smaller redemption amounts have become more accessible while the conversion rate received a minor increase as per the new policy.

How to Convert ADCB TouchPoints to AED

The AED currency exchange is possible through ADCB digital banking and their network of participating merchant outlets.

1. Convert TouchPoints via ADCB Personal Internet Banking or Mobile App

Follow these steps:

1. You must access ADCB Personal Internet Banking or Mobile App through the login interface.
2. Open “TouchPoints” from the menu and proceed to “Redeem Now.”
3. Select the redemption format between bill payments and account credit or other options.
4. Complete the transaction.

2. Pay Directly Using TouchPoints at Merchant Locations

You can use your TouchPoints as a payment method at partner stores:

1. First visit the merchant outlet to select your preferred items.
2. The customer should ask to use ADCB TouchPoints for payment.
3. Show your ADCB Debit or Credit Card to proceed with the payment.
4. When the cashier swipes the payment card TouchPoints get automatically deducted.
5. Complete the transaction.

3. Pay with TouchPoints Online

You can also use your TouchPoints for online purchases:

1. Open the merchant website or download their mobile application to choose your items.
2. Select ADCB TouchPoints from the available payment options during checkout.
3. Your available TouchPoints balance can be checked by entering your ADCB card details.
4. Choose the TouchPoints amount you want to spend during checkout.
5. Verify the payment by entering the OTP that arrives on your registered mobile number or email followed by a confirmation step.

Additional Ways to Use ADCB TouchPoints

Aside from converting them to AED, you can redeem TouchPoints in various other ways:

• Bill Payments – Utility bills become payable through TouchPoints in addition to other payment methods.
• Skywards Miles Conversion – Convert to Emirates Skywards Miles (new conversion rate: 22 TouchPoints = 1 Mile).
• Donations & Zakat – The TouchPoints system enables users to donate money to charity organizations through Zakat and donations.
• School & College Fees – The payment of educational fees for schools and colleges is possible through the TouchPoints system.

Important Updates to the TouchPoints Program

Several changes are coming into effect for TouchPoints earn rates and redemption:

• Reduced Accrual for Debit Cards:
  • TouchPoints will cease to accumulate from any spending inside the country starting February 1, 2025.
  • The accrual of international points has been lowered across every customer group.
  • Private World Elite Debit Cards will receive new earning rates starting from February 1 2025.
• Changes in Reward Values:
  • The conversion of TouchPoints into Skywards Miles now requires 22 TouchPoints for each Mile while the previous rate was 18 TouchPoints.
  • All TouchPoints accrual will stop on savings accounts and fixed deposits as well as Islamic term deposits starting from December 1, 2024.

Through the TouchPoints Rewards Program customers of ADCB can convert their points into AED directly. The modification of redemption rate together with the decreased minimum redemption threshold now enables customers to effectively use their rewards. Keep track of your TouchPoints balance and use them through ADCB’s banking app website or partner merchant network. You can find additional information by reaching ADCB’s 24-hour support at 600 50 2030.