Best Credit Card In UAE
+971

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Four plans offered under this Visa Signature Card
  • 50% off on Vox & Reel cinemas
  • Complimentary Valet, Golf and Airport lounge access
  • Enjoy a regular monthly cashback of up to AED 500
  • Pay per month and choose your design

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / or AED 105

Joining Offers

Double cashback for first two months till 31st March 2024

Key Features

  • Use your CBD One Card with the selected plan on your favorite listed brands to enjoy double cashback up to AED 1,000 for first 60 days from card issuance date.
  • Enjoy a regular monthly cashback of up to AED 500 from 3rd month onwards.
  • Watch your favorite movie with 50% off on Vox & Reel cinemas.
  • Free yourself from parking worries at selected Malls & Airport locations in Dubai & Abu Dhabi with CBD’s complimentary Valet Parking.
  • Enjoy Golf with your friends & family with 4 Complimentary rounds of golf every month at Trump International Golf Club.
  • Relax and entertain yourself during travel with up to 8 times free access to Airport Lounge with CBD One Visa Signature.
  • Pay in instalments with 0% Easy payment plan
  • Pay your other bank credit card with Balance transfer
  • Need Cash instantly, get Quick cash.
  • For global benefits offered by Visa

Reward Features

There are three plans available: One, One Plus, and One VIP.

For the One plan, the regular monthly cashback is AED 135, with a double cashback promotion of AED 270. The plan is free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 39 is waived if a minimum total spend of AED 8,000 is met. The minimum total monthly spend required to avail cashback is AED 5,000, and transactions on selected brands like Airbnb, Booking.com, and Uber are eligible for cashback.

For the One Plus plan, the regular monthly cashback is AED 250, with a double cashback promotion of AED 500. Similar to the One plan, it's free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 69 is waived if a minimum total spend of AED 15,000 is met. The minimum total monthly spend required to avail cashback is AED 8,000, and transactions on selected brands like Netflix, Spotify, and Starbucks are eligible for cashback.

For the One VIP plan, the regular monthly cashback is AED 500, with a double cashback promotion of AED 1,000. This plan is free with a minimum spend of AED 22,000, otherwise, a monthly fee of AED 99 applies if the spend criteria are not met. The minimum total monthly spend required to avail cashback is AED 15,000, and transactions on selected brands like Fitness First and Class Pass are eligible for cashback.

*Starter Plan is free for life with no cashback benefit.

Things To Be Aware Of

  • 50% off on Vox & Reel cinemas requires a spend of AED 5000
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 209

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • 50% off on movie tickets at Novo cinemas
  • 5 Smiles points on any spends at Etisalat or on Smiles app
  • Up to 2 Smiles points on international spends
  • Buy 1 Get 1 Free dining and lifestyle offers
  • Airport lounge access

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 209

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

  • 40,000 Smiles points subject to achieving spends of AED 1,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer.
  • 90 days of complimentary subscription to ' Unlimited Buy 1 Get 1 Offers ' worth AED 55
  • First year Free * (Annual fee of AED 199 waived for first year)
  • Free for life Supplementary cards

Key Features

  • 50% discount on 2 cinema tickets at Novo cinemas per calendar month. For more information: Click here . (To avail the benefit, calendar month spends of AED 2,000 are required)
  • Shopping & Dining: Discounts over 500+ lifestyle offers through CBD Mobile app.
  • Discount and savings at Emaar Attractions:
  • 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience
  • 20% discount on The Storm Coaster at Dubai Hills Mall
  • 20% discount at Dubai Ice Rink general admission tickets
  • 20% discount at Zabeel Sports District except badminton games
  • Get bonus credits at Play DXB when you purchase credits using CBD Credit Card.
  • Complimentary Insurance: ‘Purchase Protection’ & ‘Extended Warranty’ offered by Visa.
  • Complimentary Airport Lounge Access: Enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key. Each Cardholder (separately for Primary and Supplementary cardholders) shall be entitled for 8 complimentary visits per calendar year.
  • Multi-trip Travel Insurance: Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000
  • Purchase Protection: Doubles the repair period offered by original manufacture warranty, up to 1 year
  • Extended Warranty: Protects you from theft or accidental damage

Reward Features

5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)

  • Up to 2 Smiles points on all international spends.
  • Up to 1.5 Smiles points on all domestic spends.
  • Quarterly bonus of 7,500 Smiles points worth up to AED 75.

Redeem Smiles points:

  • Payment of Etisalat bills | Prepaid recharges | Food delivery
  • Purchase of Smart phones | Shopping vouchers & more
  • Groceries and Pharmacies
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 12,000

RATE

3.85%

ANNUAL FEE

AED 999

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • First year Free (AED 999 waived for first year)
  • Premium lifestyle & travel benefits
  • 3 complimentary valet parking services
  • 1,000 Airport Lounges across the world via Lounge Key
  • 4 complimentary rounds of Golf

MINIMUM SALARY

AED 12,000

RATE

3.85%

ANNUAL FEE

AED 999

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

  • 100,000 Smiles points subject to achieving spends of AED 2,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer.
  • First year Free * (Annual fee of AED 999 waived for first year)
  • 1 year complimentary subscription to 'Unlimited Buy 1 Get 1 Offers' worth AED 200
  • Discount coupon worth AED 100 from Yallacompare
  • Free for life Supplementary cards

Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)

Key Features

  • Earn Smiles points
  • Redeem Smiles points seamlessly via the Smiles UAE mobile app across various categories
  • 4 complimentary rounds of Golf at Trump International Golf Club every month subject to calendar month retail spends of AED 7,500.
  • 3 complimentary valet parking services each calendar month at over 30 locations in the UAE.
  • Discount and savings at Emaar Attractions
  • 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and
  • Underwater Zoo Penguin Cove and Nursery experience
  • 20% discount on The Storm Coaster at Dubai Hills Mall
  • 20% discount at Dubai Ice Rink general admission tickets
  • 20% discount at Zabeel Sports District except badminton games
  • Enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key
  • Multi-trip Travel Insurance: Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000
  • Purchase Protection: Doubles the repair period offered by original manufacture warranty, up to 1 year
  • Extended Warranty: Protects you from theft or accidental damage

Reward Features

Earn Smiles points on every AED spent:

  • 10 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 25,000 Smiles points)
  • Up to 3 Smiles points on all international spends
  • Up to 2 Smiles points on all domestic spends
  • Quarterly bonus of 15,000 Smiles points worth up to AED 150

Redeem Smiles points:

  • Payment of Etisalat bills | Prepaid recharges | Food delivery
  • Purchase of Smart phones | Shopping vouchers & more
  • Groceries and Pharmacies


Things To Be Aware Of

  • Min. spend of USD 15,000 is req. for quarterly bonus
  • Min. retail spend of AED 5,000 req. to avail VOX offer
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 788

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • AED 2,000 as a cashback welcome offer
  • Premium lifestyle & travel benefits
  • Complimentary lounge/VIP parking/Wellness membership/Golf
  • CBD Rewards on all spend

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 788

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Enjoy AED 2,000 as a cashback welcome offer when you sign up for a CBD Visa Infinite Credit Card and spend a minimum of AED 12,000 within 30 days of card issuance

Key Features

  • Pay no annual fee for the first year. What’s more, enjoy no annual fee for the years after when you spend over AED 100,000 per annum on your Card.
  • CBD Points Rewards Program – earn up to 3 points for every AED spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • AED 80 worth of cashback on Vox at 50% discount. Roxy offer of 20% discount.
  • Free valet parking 4 times per month in Dubai & Abu Dhabi
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide plus 1 guest
  • Multi-trip travel insurance cover up to US $1,000,000
  • 24 hour Visa Premium Concierge Service
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty

Reward Features

  • Domestic Spend : Up to 2.5 CBD reward points on every AED spent
  • International Spend: Up to 3 CBD reward points on every AED spent
  • Reward Redemption:Cashback on card, Airline tickets, Emirates Skywards Miles, Electronics purchases, Shopping vouchers, Pay with Points for your next shopping, Charity

Things To Be Aware Of

  • Min spend of AED 5,000 per month
  • Required for some benefits
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 5,000

RATE

3.85%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • 0% Balance transfer offer for 12 months
  • 50% discount on 2 cinema tickets at Novo cinemas per month
  • Cinema offer at Nov

MINIMUM SALARY

AED 5,000

RATE

3.85%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app.

Offer valid until 31 March 2024. One time processing fee of 1.99% and 4% respectively, applies.

Key Features

  • No annual fees ever
  • CBD Points Rewards Program – earn up to 2 points for every AED spent
  • 50% discount on 2 cinema tickets at Novo cinemas per calendar month subject to a monthly spend of AED 2,000.Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended ​Warranty
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Buy 1 Get 1 offers on leisure, entertainment, and more

Reward Features

Earn Reward Points

  • Earn CBD Rewards Points on every spend, up to 1.5 Points per AED spend. Redeem your CBD Rewards Points for Skywards Miles and fly better with Emirates or you can opt for Cashback, Vouchers & so much more

Things To Be Aware Of

  • Some categories of spend earn fewer points
  • Min. spend of AED 2500 in 30 days is req. for welcome bonus
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • First year free
  • 50% off cinema tickets at Vox, Reel & Novo cinemas
  • 4 complimentary rounds of Golf
  • Complimentary access to over 1000 airport lounges

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / or AED 105

Key Features

  • Enjoy up to 15%* back in Yes Points on all your ENOC and EPPCO service station spends including fuel, Zoom purchases, Autopro, Pronto
  • 50% off cinema tickets at Vox, Reel & Novo cinemas
  • 4 complimentary rounds of Golf at Trump International Golf Club every month subject to calendar month retail spends of AED 7,500.
  • Free valet parking: Enjoy 2 complimentary valet parking services each calendar month at over 30 locations in the UAE.
  • Complimentary Airport Lounge Access: Enjoy complimentary access to over 1000 airport lounges
  • Multi-trip travel Insurance: Travel with complete freedom and peace of mind
  • Extended Warranty: Extended warranty up to one year from the expiry date of the original warranty.
  • Purchase Protection: Purchase protection provides you with additional peace of mind every time you make a purchase.
  • Balance Transfer: Transfer the outstanding balances from other banks credit cards to your CBD Credit Card and enjoy low interest rates.
  • 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience
  • 20% discount on The Storm Coaster at Dubai Hills Mall
  • 20% discount at Dubai Ice Rink general admission tickets
  • 20% discount at Zabeel Sports District except badminton games
  • Get bonus credits at Play DXB when you purchase credits using CBD Credit Card.

Reward Features

The Total Monthly Spend Tiers for ENOC/EPPCO Service Station Spends and Other Spends are categorized as follows: 

- For spends between AED 0 to AED 2,499, customers receive 3% back (equivalent to 3 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 75 (7,500 Yes Rewards). Additionally, they can earn up to 1% back (up to 1 Yes Reward Point) on other spends within this tier.

- For spends between AED 2,500 to AED 9,999, customers receive 10% back (equivalent to 10 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 125 (12,500 Yes Rewards).

- For spends exceeding AED 10,000, customers receive 15% back (equivalent to 15 Yes Rewards) per 1A

Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of AED 1,000*
  • Complimentary global airport lounge access with Lounge Key
  • Earn up to 10% cashback on specific categories

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

No Annual Fee for the first year on Primary Card. Annual fee applicable only from second year onwards

Key Features

  • Earn up to 10% cashback on key shopping categories including supermarket, fuel, education, utility bills and more
  • No annual fee for the first year
  • Enjoy 50% off all week long across VOX and Reel Cinemas movie tickets across UAE plus 20% off on F&B across all Reel Cinemas
  • Free Valtrans valet parking 2 times per month at over 15 locations like City Walk, Dubai International Airport, YAS Waterworld, Ferrari World and many more locations.
  • 8 Complimentary visits a year. Access to 1000+ VIP airport lounges for cardholder plus a guest
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 12 months complimentary extended warranty on your electronic purchases
  • Visa Luxury Hotel collection offers
  • 24-hour personalised premium concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn up to 10% Cashback on your monthly spends with CBD's Super Saver Cashback Credit Card with the maximum of up to AED 600 per month

• Up to 10% Cashback on Supermarket spends
• Up to 10% Cashback on Education (School, College, University Fees)
• Up to 10% Cashback on Utility bill payments
• Up to 10% Cashback on Transport (Fuel)

Track your Cashback in realtime through CBD App and redeem it instantly as Cashback

Earn up to 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback.       

  • Bills (e.g. Telecomm Bills, Utilities Bills and Government-Linked Payments)
  • Education (e.g. Schools, and Colleges/Universities in the UAE and abroad)
  • Supermarket (e.g. Grocery Stores)
  • Transport (e.g. Fuel )

Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.

Things To Be Aware Of

  • Min. spend of AED 3,000 req. to earn cashback
  • Max cashback per month is AED 200 per ctgry and 600 a month
  • Min spend of AED 5000 on primary card for movies offer
Apply Now

Apply through CBD mobile App

Introduction

Commercial Bank of Dubai (CBD) on Wednesday announced a record net profit of Dh2.65 billion for the year ended December 31, 2023, up 45.2 per cent year-on-year. This outstanding performance was driven by exceptional revenue contribution across net interest and other operating income, backed by robust loan growth. Notably, higher market interest rates played significant role in boosting revenue.

The bank attributed its strong financial results to the positive business activity and confidence in the UAE, supported by robust domestic non-oil business activity. Additionally, CBD anticipates further growth in key economic sectors and an increase in the number of people and businesses migrating to the country, further bolstering its performance.

CBD, one of the UAE's leading national banks, reaffirmed its commitment to a sustainable future by signing a Memorandum of Understanding (MoU) with Visa, a global leader in digital payments. This MoU represents the continuation of a longstanding partnership between CBD and Visa, with both parties committing to collaborate on sustainable initiatives aimed at enhancing sustainability, specifically carbon awareness, engagement, and offsetting.

CBD has been recognized with several prestigious awards in recent years, including the Best Digitization Initiatives award at the ME Banking AI Awards in 2023. In 2022, CBD was named the Number One Bank in the UAE in the Forbes World's Best Banks report, and in 2021, it received the "Best Local Bank in UAE"; award at the EMEA Finance Middle East Banking Awards. The bank's commitment to customer-oriented transformation was recognized in 2020 with the Transformers Award for "Best Customer-oriented Transformation."

In 2022, CBD received the "Best Technological Innovation in Financial Services" Award at the Seamless Middle East Awards ceremony for its CBD Investr app. This app, powered by smart algorithms, is the first robo-advisory investment solution in the region offered by a bank. It actively manages investment portfolios to deliver optimal risk-adjusted performance.

Established in 1969, CBD has grown to become a key player in the UAE's banking sector, offering a wide range of banking products and services, including retail banking, corporate banking, investment banking, and wealth management. The bank's retail banking division provides a comprehensive suite of products such as savings accounts, current accounts, credit cards, personal loans, mortgages, and wealth management services. CBD also serves businesses through its corporate banking division, offering services like corporate finance, tradefinance, treasury services, and cash management solutions.

Embracing digital transformation in banking, CBD offers various digital banking services, including online banking platforms, mobile banking apps, and digital payment solutions, ensuring convenience and accessibility for its customers. Known for its strong customer service culture and commitment to excellence, CBD focuses on building long-term relationships with its customers by delivering personalized financial solutions and excellent customer support.

Beyond its core banking operations, CBD actively engages in corporate social responsibility (CSR) initiatives, supporting community development programs, education initiatives, and environmental sustainability projects across the UAE. Through its CSR activities, CBD demonstrates its commitment to giving back to society and contributing to the welfare of the communities it serves.

In summary, CBD's record net profit for 2023 reflects its strong performance and commitment to excellence in the UAE's banking sector. With a focus on sustainability, innovation, and customer satisfaction, CBD continues to play a vital role in driving economic growth and development in the country.

The CBD offers several credit card options with various features and benefits:

1. CBD Visa Signature Card:

- Type: Cash Back, Points/Rewards, Travel/Air Miles

- Premium: No

- Annual Fee: AED 525

- Features: Unlimited access to airport lounges worldwide, golf offers, dining discounts, valet parking, cinema ticket discounts, travel insurance, extended warranty, purchase protection, etc.

- Welcome Offer: 30,000 CBD reward points

- Key Features: No annual fee for the first year, CBD Points Rewards Program, complimentary access to Pharaoh's Wafi Club, free valet parking, discounts on golf courses and cinema tickets,        airport lounge access, etc.

- Minimum Salary: AED 12,000

- Things to be Aware of: Minimum spend of AED 5,000 per month required for some benefits

2. CBD Visa Infinite Card:

- Type: Points/Rewards

- Premium: Yes

- Annual Fee: AED 787.5

- Features: Similar to Visa Signature but with additional premium lifestyle and travel benefits like higher travel insurance coverage, more valet parking services, higher cinema ticket discounts,       etc.

- Welcome Offer: AED 2,000 cashback

- Key Features: No annual fee for the first year with high spending, higher rewards points, premium lifestyle benefits, airport lounge access, etc.

- Minimum Salary: AED 15,000

- Things to be Aware of: Minimum spend of AED 5,000 per month required for some benefits

3. CBD Visa Platinum Card:

- Type: Cash Back, Points/Rewards, Travel/Air Miles

- Premium: No

- Annual Fee: Free for life

- Features: Similar to Visa Signature but with fewer premium benefits and lower annual fee, offers balance transfer, discounts on cinema tickets, extended warranty, purchase protection, etc.

- Welcome Offer: 0% balance transfer offer for 12 months, 50% discount on 2 cinema tickets at Novo cinemas per month

- Key Features: No annual fees ever, CBD Points Rewards Program, discounts on cinema tickets, DragonPass 'Dine & Fly' airport dining program, purchase protection, extended    warranty, etc.

- Minimum Salary: AED 5,000

- Things to be Aware of: Some categories of spend earn fewer points, minimum spend required for welcome bonus

4. CBD Smiles Visa Signature:

- Type: Points/Rewards

- Premium: No

- Annual Fee: AED 999

- Features: Offers smiles points, discounts on dining and cinema tickets, valet parking, airport lounge access, travel insurance, purchase protection, etc.

- Welcome Offer: First year free with various benefits and rewards points

- Key Features: Smiles rewards program, complimentary valet parking, discounts on cinema tickets, airport lounge access, multi-trip travel insurance, extended warranty, etc.

- Minimum Salary: AED 12,000

- Things to be Aware of: Minimum spend required for quarterly bonus, minimum retail spend required to avail VOX offer

5. CBD Smiles Visa Platinum:

- Type: Points/Rewards

- Premium: No

- Annual Fee: AED 208.95

- Features: Similar to Smiles Visa Signature but with fewer benefits and lower annual fee, offers smiles points, discounts on cinema tickets, airport lounge access, extended warranty, purchase       protection, etc.

- Welcome Offer: First year free with various benefits and rewards points

- Key Features: Smiles rewards program, discounts on cinema tickets, airport lounge access, multi-trip travel insurance, extended warranty, etc.

- Minimum Salary: AED 5,000

- Things to be Aware of: Minimum spend required for quarterly bonus, minimum retail spend required to avail VOX offer

6. CBD Yes Rewards:

- Type: Points/Rewards

- Premium: No

- Annual Fee: Free for life

- Features: Offers Yes rewards points, discounts on cinema tickets, valet parking, airport lounge access, travel insurance, purchase protection, balance transfer, etc.

- Welcome Offer: 40,000 Yes Rewards points

7. CBD One:

- Type: Points/Rewards

- Premium: No

- Annual Fee: AED 0

- Features: Offers cashback, discounts on cinema tickets, valet parking, golf, airport lounge access, installment plans, balance transfer, etc.

- Welcome Offer: Double cashback for the first two months

- Key Features: Four plans offered, regular monthly cashback, discounts on cinema tickets, valet parking, golf, airport lounge access, installment plans, balance transfer, etc.

- Minimum Salary: AED 5,000

- Things to be Aware of: Minimum spend required for various benefits, different plans with varying benefits and fees.

These CBD credit cards offer a range of benefits including rewards programs, discounts on various purchases, travel benefits, and more, catering to different lifestyles and spending habits.

Product Name

Annual Fee

Profit Rate

Top Reasons

Joining Offers

Minimum Salary

Visa Signature Card 525 3.45%
  • Welcome bonus of 30,000 CBD reward points
  • Premium lifestyle & travel benefits

Welcome Offer: 30,000 CBD Reward Points.

Welcome Bonus is given provided the cardholder spends 2500 AED within 30 days from card issuance date.

12000

Visa Infinite Card


787.5 3.85%
  • AED 2,000 as a cashback welcome offer
  • Premium lifestyle & travel benefits
  • Complimentary lounge/VIP parking/Wellness membership/Golf
  • CBD Rewards on all spend

Enjoy AED 2,000 as a cashback welcome offer when you sign up for a CBD Visa Infinite Credit Card and spend aminimum of AED 12,000 within 30 days of card issuance 15000
Visa Platinum Card

Free for life


3.85%
  • Free for life
  • 0% Balance transfer offer for 12 months
  • 50% discount on 2 cinema tickets at Novo cinemas per month
  • Cinema offer at Nov
New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app. Offer valid until 31 March 2024. One time processing fee of 1.99%  and 4% respectively, applies. 5000
Smiles Visa Signature 999 3.85%
  • First year Free (AED 999 waived for first year)
  •  Premium lifestyle & travel benefits
  • 3 complimentary valet parking services
  • 1,000 Airport Lounges across the world via Lounge Key
  • 4 complimentary rounds of Golf

100,000 Smiles points subject to achieving spends of AED 2,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer. First yearFree * (Annual fee of AED 999 waived for first year) 1 year complimentary subscription to 'Unlimited Buy 1 Get 1 Offers' worth AED 200 Free for life Supplementary cards 12000

Smiles Visa Platinum

999 3.85%
  • 50% off on movie tickets at Novo cinemas
  • 5 Smiles points on any spends at Etisalat or on
  • Smiles app
  • Up to 2 Smiles points on international spends
  • Buy 1 Get 1 Free dining and lifestyle offers
  • Airport lounge access

40,000 Smiles points subject to achieving spends of AED 1,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer. 90 days of complimentary subscription to 'Unlimited Buy 1 Get 1 Offers' worth AED 55 First year Free * (Annual fee of AED 199 waived for first year) Free for life Supplementary cards 12000
Yes Rewards

Free for life


3.85%
  • Free for life
  • 50% off cinema tickets at Vox, Reel & Novo cinemas
  • 40,000 Yes Rewards welcome bonus
  • 4 complimentary rounds of Golf
  • Complimentary access to over 1000 airport lounges
The Total Monthly Spend Tiers for ENOC/EPPCO Service Station Spends and Other Spends are categorized as follows: For spends between AED 0 to AED 2,499, customers receive 3% back (equivalent to 3 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 75 (7,500 Yes Rewards). Additionally, they can earn up to 1% back (up to 1 Yes Reward Point) 5000
One 4 plans


3.85%
  • Four plans offered under this Visa Signature Card
  • 50% off on Vox & Reel cinemas
  • Complimentary Valet, Golf and Airport lounge access 
  • Enjoy a regular monthly cashback of up to AED 500
  • Pay per month and choose
    your design

Double cashback for first two months till 31st March 2024


5000




Popular Cards from Commercial Bank Dubai (CBD) Income Eligibility Annual Fee Interest / Profit Rate
CBD One Credit Card AED 5,000 AED 0 3.85
CBD Smiles Visa Platinum AED 5,000 AED 209 3.85
CBD Smiles Visa Signature AED 12,000 AED 999 3.85%
CBD Super Saver Credit Card AED 8,000 AED 400 3.69%
CBD Visa Infinite Card AED 15,000 AED 788 3.85%
CBD Visa Platinum Card AED 5,000 AED 0 3.85%
Yes Rewards credit Card AED 5,000 AED AED 0 3.85

FAQs

Through Bank website: Download the mobile app in the app store or play store and apply for a card.

Through Soulwallet: You can apply for a CBD credit card through Soulwallet by downloading CBD mobile app. Soulwallet is a UAE based personal finance comparison site which has quality and unbiased content helping users identify suitable personal finance solutions.

CBD offers a range of credit cards including cash back cards, rewards cards, travel cards, and more. You can find detailed product comparison along with listings at www.Soulwallet.com.

The eligibility criteria for a credit card depends on several factors such as your credit score, credit history, monthly salary, debt burden (percentage of financial liabilities vs your monthly income), your employer, residency status etc., CBD has a seamless digital process which is considered one of the best in the UAE market. Find out more visit www.soulwallet.com)

CBD’s mobile application journey requires Emirates ID and a liveness check. Typically, you will need to provide a copy of your Emirates ID, passport, residence visa, and proof of income such as salary slips or bank statements. Additional documents may be required based on your individual circumstances.

As of Feb 2024, CBD offers the below credit cards. Note, the Fee mentioned in the table includes VAT

Product Name Annual Fees

Visa Signature Card

AED 525

Visa Infinite Card

AED 787.5
Visa Platinum Card

Free for life

Smiles Visa

Signature


AED 999

Smiles Visa

Platinum


AED 208.95


Yes Rewards
Free for life

One

As per plan


The interest rates for purchases and cash advances on our credit cards vary depending on the card type and prevailing market conditions. Please refer to the terms and conditions of your specific credit card for the applicable rates. As of Feb 2024, retail and cash interest rates stand at 3.85%. Note, there is a cash advance fee of 3% or AED 105 whichever is higher.

CBD periodically launch exciting campaigns with joining offers for new credit card applicants.  These may include waived annual fees, bonus rewards points, or cashback incentives.

As of Feb 2024, below are the joining offers on CBD Cards. This might change in the future.

Product Name Joining Offers
Visa Signature Card

Welcome Offer: - 30,000 CBD Reward Points - Welcome Bonus is given provided the cardholder spends 2500 AED within 30 days from card issuance date.

Visa Infinite Card

Enjoy AED 2,000 as a cashback welcome offer when you sign up for a CBD Visa Infinite Credit Card and spend a minimum of AED 12,000 within 30 days of card issuance.


Visa Platinum Card

New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app. Offer valid until 31 March 2024. One time processing fee of 1.99% and 4% respectively, applies.

Smiles Visa Signature

- 100,000 Smiles points subject to achieving spends of AED 2,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer. - First year Free (Annual fee of AED 999 waived for the first year) - 1-year complimentary subscription to Unlimited Buy 1 Get 1 Offers  worth AED 200 - Discount coupon worth AED 100 from Yallacompare - Free for life Supplementary cards. Promotion

validity: 1 January 2024 to 31 March 2024.

Smiles Visa Platinum

- 40,000 Smiles points subject to achieving spends of AED 1,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer. - 90 days of complimentary subscription to  Unlimited Buy 1 Get 1 Offers worth AED 55 - First year Free (Annual fee of AED 199 waived for the first year) - Free for life

Supplementary cards.

Yes Rewards

To welcome you to the CBD Yes Card family, we are giving you a complimentary gift of AED 400** (in the form of 40,000 Yes Rewards) to fuel up your tank for free.

One Double cashback for the first two months till 31st March 2024.


The credit limit for our credit cards varies based on factors such as your income, credit history, and the type of card you apply for. Your assigned credit limit will be communicated to you upon approval of your credit card application.

You can make payments towards your credit card bill through our online banking portal, mobile app, ATM machines, or by visiting any of our branches. Additionally, you can set up automatic payments for your convenience.

Yes, credit cards generally offer a grace period for credit card payments, typically ranging fromn 20 to 25 days from the statement date. During this period, no interest is charged on new purchases if the outstanding balance is paid in full by the due date.

Fees and charges associated with using the credit card may include annual fees, late payment fees, over-limit fees, and foreign transaction fees. Please refer to the terms and conditions of your specific credit card for a detailed list of applicable fees.

Yes, you can request additional cards for family members or authorized users on your credit card account by calling CBD and requesting on CBD customer service line or through digital channels such as mobile app or online banking.

If your credit card is lost or stolen, you should immediately report it to the banks customer service hotline or through our online banking portal. They will block your card to prevent unauthorized use and issue you a replacement card.

All transaction disputes must be made through the bank. Contact the bank’s customer service teams who will brief you on the process, timelines and documentation required.

Yes, CBD credit cards offer various rewards and loyalty programs such as cashback, rewards points, and travel miles. You can earn rewards on your everyday purchases and redeem them for a variety of options including travel, shopping, and gift vouchers.