CBI Bank Credit Cards

Minimum Salary
0,00 د.إ

Description

Commercial Bank International (CBI) offers four main Sharia-compatible credit cards—CBI First, CBI Rewards World, CBI Rewards Platinum, and Mastercard Titanium—each with distinct annual fees, competitive profit rates, transparent fee schedules, clear eligibility requirements, straightforward documentation, flexible 0% Easy Payment Plans, and reward structures. Choose the card that aligns with your spending habits, reward preferences, and repayment flexibility.

Features

Card Summary

Feature	CBI First	Rewards World	Rewards Platinum	Mastercard Titanium
Annual Fee (AED)	0	840	1,575	0
Joining Fee (AED)	0	315	315	0
Monthly Profit Rate (Retail)	2.99%	3.45%	3.45%	3.45%
Monthly Profit Rate (Cash)	2.99%	3.75%	3.75%	3.75%
Interest-Free Period	Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 days
Minimum Payment	4.5% of balance	4.5% of balance	4.5% of balance	4.5% of balance
0% EPP Tenure	N/A	3 months	3 months	3 months
Balance Transfer Promo	0% for 3 months	0% for 3 months	0% for 3 months	0% for 3 months
Foreign Currency Txn Fee	2.99%	2.99%	2.99%	2.99%
Cash Advance Fee	3.15% or AED 105	3.15% or AED 105	3.15% or AED 105	3.15% or AED 105
Credit Shield Insurance	0.85%	0.85%	0.85%	0.85%

Detailed Schedule of Fees

Fee Type	Amount
Late Payment Fee	AED 230
Overlimit Fee	AED 313.95
Card Replacement/Re-issuance	AED 78.75
Duplicate Statement Fee	AED 47.25
Sales Voucher/Slip Copy	AED 52.50
Credit Shield Insurance	0.85% of outstanding balance
Minimum Payment Due	4.5% of statement balance or AED 100
Balance Transfer (BT) – EMI Fee	0.99% per month up to 36 months
EPP Processing Fee	1% of transaction up to 36 months
Cash to Account Transfer Fee	1% of transaction

Eligibility Criteria

Age 21–65 years
UAE residency visa and Emirates ID
Minimum monthly income: AED 5,000 for CBI First; AED 10,000 for other cards
Clean credit history; AECB report
Salary transfer to CBI or minimum relationship balance as per card

Documents Required

Passport copy with valid UAE visa page
Emirates ID (front and back)
3 months’ salary certificates/bank statements
Salary transfer mandate (for payroll accounts)
Completed CBI credit card application form

Additional Info

CBI First

No annual fee
1 CBI Rewards point per AED 1 retail spend; 2.5 points per AED 1 on foreign currency spend
Complimentary access to 1,200+ airport lounges
0% EPP for up to 3 months on selected merchants

CBI Rewards World

1 CBI Rewards point per AED 1 on domestic spend; 2.5 points on foreign spend
0% EPP for 3 months; 0% BT promo
Complimentary lounge access (priority pass)
Dining, lifestyle and entertainment offers

CBI Rewards Platinum

Accelerated 1.5 points per AED 1 on domestic spend; 2.5 points on foreign spend
0% EPP for 3 months; 0% BT for 3 months
Complimentary premium lounge access
Dining, travel and retail partner privileges

Mastercard Titanium

Fee-free card with basic rewards: 1 point per AED 1 retail spend
0% EPP for 3 months and 0% BT for 3 months
Dining and entertainment offers via Mastercard
Emergency card replacement and global assistance

Minimum Spend Criteria

CBI First & Titanium: No minimum spend for rewards; simply use card
Rewards World & Rewards Platinum: No spend threshold to earn points; EPP and BT promos require activation within 30 days
Annual Fee Waiver: Not applicable (fees are fixed)