MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
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
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
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
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
Key Features
Reward Features
5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)
Redeem Smiles points:
Apply through CBD mobile App
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
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
Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)
Key Features
Reward Features
Earn Smiles points on every AED spent:
Redeem Smiles points:
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 788
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
Reward Features
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
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
Reward Features
Earn Reward Points
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED AED 0
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
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 through CBD mobile App
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
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
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.
Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.
Things To Be Aware Of
Apply through CBD mobile App
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.
- 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
- 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
- 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
- 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
- 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
- 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
- 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 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% |
|
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% |
|
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% |
|
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% |
|
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% |
|
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% |
|
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 |
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.