CBD (Commercial Bank of Dubai) Credit Cards

Minimum Salary
0,00 د.إ

Description

CBD offers a suite of conventional and Islamic credit cards—ranging from no-fee everyday cards to premium infinite cards—each with distinct profit rates, transparent fee schedules, eligibility criteria, documentation requirements, reward structures, welcome offers, and minimum-spend thresholds. Matching card features to your spending profile ensures optimal value.

Features

Card Summary Table

Card Variant	Min. Salary (AED)	Annual Fee (AED)	Profit Rate (Retail/month)	Welcome / Bonus Offer	Min. Spend for Bonus / Fee Waiver
CBD One (Visa Signature – One)	5,000	0 (Free for life)	3.85%	Double cashback first 2 months; 1% on retail	AED 5,000/mo for max AED 135 cashback/mo ^[1]
Yes Rewards	5,000	0 (Free for first year¹)	3.85%	Welcome points on spend milestones	AED 10,000/yr for fee waiver
Super Saver (Visa Signature)	8,000	400 (First year free¹)	3.69%	Up to 10% cashback in 4 categories, capped AED 600/mo	AED 3,000/mo to earn cashback ^[1]
Smiles Visa Signature	12,000	999 (First year free¹)	3.85%	100,000 Smiles points on AED 2,000 spend	AED 2,000/30 days for signup bonus ^[1]
Visa Platinum	5,000	0 (Free for life)	3.85%	0% Cash-on-Call 6/12-mo; purchase protection; extended warranty	N/A
Visa Infinite	15,000	787.50 (First year free¹)	3.85%	AED 2,000 cashback on AED 12,000 spend; golf, hotel, F&B offers	AED 12,000/30 days for welcome ^[1]

¹ Fee waived first year; subsequent waiver subject to annual spend thresholds published on CBD’s website.

Profit Rates & Interest-Related Charges

Retail Purchases:85% per month (APR 46.20%).
Cash Advances:85% per month on withdrawn amount; AED 105 fee per withdrawal.
Balance Transfer & Easy Payment Plans (EPP):8% per month (up to 3 months) on new plans booked before 1 Aug 2025; thereafter up to 2.1% per month.
Foreign Currency Transactions:99% of transaction value.
Interest-Free Period: Up to 55 days on purchases when full statement balance is paid by due date.
Minimum Payment Due: 5% of statement balance or AED 100 (whichever higher).
Late Payment Fee: AED 241.50 (rising to AED 304.50 from 11 Jul 2024).
Overlimit Fee: AED 288.75 (rising to AED 304.50 from 11 Jul 2024).

Detailed Schedule of Fees

Fee Type	Amount (AED)
Annual Fee (Primary)	See card table
Annual Fee (Supplementary)	Free
Late Payment Fee	AED 241.50 [AED 304.50 effective 11 Jul 2024]
Overlimit Fee	AED 288.75 [AED 304.50 effective 11 Jul 2024]
Cash Withdrawal Fee	AED 105 per withdrawal; 3.15% waived
Card Replacement / Reissuance	AED 78.75
Duplicate Statement	AED 47.25
Sales Voucher Copy	AED 52.50
Liability Letter Request	AED 52.50
Credit Shield Insurance (optional)	1% of outstanding balance
Foreign Currency Transaction Fee	2.99%
EPP Processing Fee	1% of transaction
Balance Transfer Processing (BT)	0.99% per month

(All fees inclusive of 5% VAT unless stated).

Eligibility Criteria

Age: 21–63 years (residents) / up to 65 (nationals).
Residency: UAE resident visa & Emirates ID.
Income: Minimum depends on card (AED 5,000–15,000).
Employment: Salaried with salary transfer to CBD, or self-employed with verifiable income.
Credit Profile: No defaults; acceptable AECB report.

Documents Required

Passport copy with valid UAE visa page.
Emirates ID (front & back).
Salary certificate or employment contract (for salaried).
Last 3 months bank statements.
Salary transfer mandate (for salaried) or trade licence with financials (self-employed).
Completed CBD credit card application form.

Additional Info

Rewards, Benefits & Minimum-Spend Criteria

CBD One (Visa Signature – One)

Cashback: 1% on all spends; double cashback first two months.
Max Cashback: AED 135/mo on AED 5,000 spend.
Design Choice: Customizable card face.
Lounge Access: Complimentary visits.

Yes Rewards

Points: 1 point/AED 1 local; accelerated on promos.
Lifestyle Offers: Dining, entertainment, travel deals.
Lounge Access: Priority Pass (paid).

Super Saver

Category Cashback: Up to 10% on education, utilities, groceries, fuel.
Monthly Caps: AED 600 total.
Spend: AED 3,000/mo to activate cashback.

Smiles Visa Signature

Welcome Miles: 100,000 on AED 2,000 spend within 30 days.
Smiles Points: Earn on Etihad flights & retail.
Travel Perks: Lounge visits; flight upgrades.

Visa Platinum

0% Cash-on-Call: 6- & 12-month plans on withdrawals within 30 days.
Purchase Protection: Insures against damage/theft.
Extended Warranty: Doubles manufacturer’s warranty.

Visa Infinite

Cashback Welcome: AED 2,000 on AED 12,000 spend within 30 days.
Golf Benefit: 4 free rounds/mo at Trump Int’l GC when AED 7,500 spend met.
Hotel & F&B Discounts: Up to 12% at participating partners.
Travel & Lifestyle: Complimentary concierge; premium airport experiences.