Commercial Bank of Dubai Credit Cards

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Commercial Bank of Dubai or CBD is a banking & financial services corporation in the UAE with its headquarters in Deira, Dubai. It works in various sectors including SME finance, retail banking, and Islamic banking. The customers can enjoy customized banking solutions which provides them with unique banking experience.

Credit cards are amongst the various products and services offered by the bank in the UAE. Currently, CBD is offering a wide range of credit cards in the UAE market, ranging from free for life cards to high rewarding premium cards. Each of the CBD credit card offer lucrative offers and rewards, helping its card members to meet their various lifestyle needs.

Types of CBD Credit Cards

There are various types of credit cards offered by CBD. Every CBD credit card offers its own particular set of benefits as cataloged below.

CBD Visa Platinum Credit Card

CBD Visa Platinum Credit Card
Travel Discount
  • Minimum Salary AED 8,000
  • Annual Fee  Free for Life
  • Free for 1st year
  • Travel Discount
  • Special Discount
Reward Value: AED 11,060
  • Annual Membership Fee: Free For Life
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Visa Platinum Credit Card :

  • Free Supplementary Card: The cardholder can opt for free supplementary CBD Visa Platinum credit card for the family members who are above 15 years of age.
  • Zero Annual Fees: This is free for life credit card. Thus, there is no annual fee charged on this card ever.
  • CBD Reward Points: Card members are automatically entitled to reward points program where they can earn CBD reward points on every AED spent.
  • Free Insurance Services: Card members can enjoy complimentary travel insurance and purchase protection.
  • VOX Cinema Offers: Members of this CBD credit card can avail 50% discount on up to four tickets on each transaction and a maximum of 10 discounted movie tickets purchased every month through VOX Cinemas. The offer is valid on Sunday shows only.
  • Entertainment Offers: Members of the CBD VISA Platinum Credit Card can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Visa Benefits: Card members can avail several visa benefits across travel, dining, lifestyle, and wellness, and hospitality on the platinum avenue.
  • Security: This CBD credit card is embedded with PIN & Chip technology for safe and secure transactions.
  • Convenience and 24x7 Assistance: CBD Visa Platinum Credit Card members are given round the clock customer assistance through the contact centre (600 575 556) of the bank.

CBD Titanium MasterCard Credit Card

CBD Titanium MasterCard Credit Card
Free for Life
  • Minimum Salary AED 10,000
  • Annual Fee Free for Free
  • Free for Life
  • Airport Lounge Access
  • Movie Discounts
Reward Value: AED 5,058
  • Annual Membership Fee:Free for Life
  • Minimum Monthly Salary Required: AED 5,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Titanium MasterCard Credit Card :

  • Free Supplementary Card: The cardholder can opt for free supplementary CBD Titanium MasterCard credit card for the family members who are above 15 years of age.
  • Zero Annual Fees: This is free for life credit card. Thus, there is no annual fee charged on this card ever.
  • CBD Reward Points: Card members are automatically entitled to reward points program where they can earn CBD reward points on every AED spent.
  • Security: This CBD credit card is embedded with PIN & Chip technology for safe and secure transactions.
  • Convenience and 24x7 Assistance: Card members are given round the clock customer assistance through the contact centre (600 575 556) of the bank.
  • Airport Lounge Access: Members of this card can avail free access to more than 10 VIP airport lounges in the UAE, Kuwait, Jordan, KSA, and Egypt.
  • Cashback on Booking.com: Cardholders can avail a maximum of 10% cash back on their spends done through the official website of Booking.com.
  • Exclusive Discounts with Mastercard Priceless Specials: Cardholders can explore 2-for-1 offers & discounts with Mastercard Priceless Specials in order to discover new restaurants and enjoy amazing deals. Also, this card offers a wide range of wellness, dining, lifestyle, travel, and hospitality benefits on the Titanium platform.
  • Careem Rides: Card members can enjoy a discount of 20% on three Careem rides every month.
  • Car Rentals: Members of the CBD Titanium MasterCard Credit Card can avail a 10% off at rentalcars.com when they rent a car online.

CBD Visa Signature Credit Card

CBD Visa Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee Free for the first year
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 15,782
  • Annual Membership Fee: Free for the first year. AED 525 from the second year onwards. (Note: *The annual membership fee is waived upon making the retail spending of AED 65,000 and above in a previous one year.)
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Visa Signature Credit Card:

  • Free Supplementary Card: The cardholder can opt for free supplementary CBD Visa Signature credit card for the family members who are above 15 years of age.
  • CBD Reward Points: Card members are automatically entitled to reward points program where they can earn CBD reward points on every AED spent.
  • Valet Parking Facility: The card member can enjoy 2 complimentary Valtrans valet parking services every month at some selected locations.
    VOX Cinema Offers: Members of this CBD credit card can avail 50% discount on movie tickets in the UAE, booked through VOX cinemas & REEL Cinemas.
  • Entertainment Offers: Cardholders can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Airport Lounge Access: Cardholders can avail up to 8 free passes yearly to more than 1,000 airport lounges globally through LoungeKey.
  • Multi-Trip Travel Insurance: This card offers multi-trip travel insurance for its cardholders and their family members for a maximum of 90 days from the travel date, up to US$ 500,000.
  • Security: This CBD credit card is embedded with PIN & Chip technology for safe and secure transactions.
  • Convenience and 24x7 Assistance: Card members are given round the clock customer assistance through the contact centre (600 575 556) of the bank.
  • Discounted Offers: Card members can avail up to 8% off at hotels.com and 12% off at Agoda.com.
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.

CBD Visa Infinite Credit Card

CBD Visa Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 20,000
  • Annual Fee Free for the first year
  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
Reward Value: NA
  • Annual Membership Fee:Free for the first year. AED 787.50 from the second year onwards. (Note: *The annual membership fee is waived on spending AED 100,000 in a year.)
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Visa Infinite Credit Card:

  • Free Supplementary Card: The cardholder can opt for free supplementary CBD Visa Infinite credit card for the family members who are above 15 years of age.
  • CBD Reward Points: Card members are automatically entitled to reward points program where they can earn CBD reward points on every AED spent.
  • Valet Parking Facility: The card member can enjoy 3 complimentary Valtrans valet parking services every month at some selected locations.
  • VOX Cinema Offers: Members of this CBD credit card can avail 50% discount on movie tickets in the UAE, booked through VOX cinemas & REEL Cinemas.
  • Entertainment Offers: Members of this CBD Credit Card can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Airport Lounge Access: Cardholders can avail up to 12 free passes yearly to more than 1,000 airport lounges globally through LoungeKey.
  • Multi-Trip Travel Insurance: This card offers multi-trip travel insurance for its cardholders and their family members for a maximum of 90 days from the travel date, up to US$ 1,000,000.
  • Security: This CBD credit card is embedded with PIN & Chip technology for safe and secure transactions.
  • Discounted Offers: Card members can avail up to 8% off at hotels.com and 12% off at Agoda.com.
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.

CBD World MasterCard Credit Card

CBD World MasterCard Credit Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee Free for the first year
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Valet Parking
Reward Value: AED 16,239
  • Annual Membership Fee:Free for the first year. AED 787.50 from the second year onwards. (Note: *The annual membership fee is waived on spending AED 100,000 in a year.)
  • Minimum Monthly Salary Required: AED 25,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD World MasterCard Credit Card:

  • Free Supplementary Card: The cardholder can opt for free supplementary CBD World MasterCard credit card for the family members who are above 15 years of age.
  • CBD Reward Points: Card members are automatically entitled to reward points program where they can earn CBD reward points on every AED spent.
  • Valet Parking Facility: The card member can enjoy 4 complimentary Valtrans valet parking services every month at some selected locations.
  • VOX Cinema Offers: Members of this CBD credit card can avail 50% discount on movie tickets in the UAE, booked through VOX cinemas & REEL Cinemas.
  • Entertainment Offers: Members of this CBD Credit Card can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Airport Lounge Access: Primary card members can avail unlimited access to more than 900 airport lounges in over 450 cities in around 135 countries across the globe through Loungekey.
  • Careem Rides: The cardholder can avail 20% discount on three Careem rides every month.
  • Exclusive Discounts with Mastercard Priceless Specials: Cardholders can explore 2-for-1 offers & discounts with Mastercard Priceless Specials in order to discover new restaurants and enjoy amazing deals. Also, this card offers a wide range of wellness, dining, lifestyle, travel, and hospitality benefits on the Titanium platform.
  • Cashback on Booking.com: Cardholders can avail a maximum of 10% cash back on their spends done through the official website of Booking.com.
  • Security: This CBD credit card is embedded with PIN & Chip technology for safe and secure transactions.
  • Convenience and 24x7 Assistance: Card members are given round the clock customer assistance through the contact centre (600 575 556) of the bank.

CBD Super Saver Credit Card

CBD Super Saver Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee Free for the first year
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Valet Parking
Reward Value: AED 13,867
  • Annual Membership Fee:Free for the first year (for new CBD customers only). AED 420 from second year onwards.
  • Minimum Monthly Salary Required: AED 8,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Super Saver Credit Card:

  • Free Supplementary Card: The cardholder can opt for free supplementary CBD Super Saver credit card for the family members who are above 15 years of age.
  • Cash Back: The cardholder can earn a maximum of 10% cash back on daily retail expenditure including bills, education, supermarket, and transport. Every category is capped at AED 200 per month. The cash back can be earned on a minimum monthly spend of AED 3,000 across all categories.
  • Valet Parking Facility: The card member can enjoy 2 complimentary Valtrans valet parking services every month at more than 15 locations.
  • VOX Cinema Offers: Members of this CBD credit card can avail 50% discount on movie tickets in the UAE, booked through VOX cinemas & REEL Cinemas.
  • Entertainment Offers: Members of this CBD Credit Card can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Airport Lounge Access: The cardholder can enjoy up to 8 free visits yearly to more than 1,000 airport lounges globally through LoungeKey.
  • Multi-Trip Travel Insurance: This card offers multi-trip travel insurance for its cardholders and their family members for a maximum of 90 days from the travel date, up to US$ 500,000.
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.
  • Security: This CBD credit card is embedded with PIN & Chip technology for safe and secure transactions.
  • Discounted Offers: Card members can avail up to 8% off at hotels.com and 12% off at Agoda.com.
  • Convenience and 24x7 Assistance: Card members are given round the clock customer assistance through the contact centre (600 575 556) of the bank.

CBD one Starter VISA Signature Credit Card

CBD one Starter VISA Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 1,020
  • Monthly Plan for Starter: Free
  • Minimum Monthly Salary Required: AED 8,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD one Starter VISA Signature Credit Card :

  • Flexibility: Customers can choose and customize the design of their card from the CBD one art gallery.
  • Airport Lounge Access: The cardholder can avail up to 8 airport lounge access in one year across the Middle East. This lounge access can easily be activated by incurring one non-AED spend on this CBD credit card. 
  • Discounts with CBD App: Card members can avail discount at more than 500 places throughout the UAE using the CBD app.
  • Travel Discount: Card members can avail up to 8% disocunt at hotels.com and a maximum of 12% discount at Agoda.
  • Meet & Greet Services: The cardholders can enjoy a discount of 30% on the meet and greet services. 
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.

CBD one VISA Signature Credit Card

CBD one VISA Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 0
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 3,840
  • Monthly Plan for One: AED 0 on a minimum spend of AED 8,000 and AED 39 on a minimum spend of AED 5,000
  • Minimum Monthly Salary Required: AED 8,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD one VISA Signature Credit Card:

  • Flexibility: Customers can choose and customize the design of their card from the CBD one art gallery.
  • Airport Lounge Access: The cardholder can avail up to 8 airport lounge access in one year across the Middle East. This lounge access can easily be activated by incurring one non-AED spend on this CBD credit card. 
  • Discounts with CBD App: Card members can avail discount at more than 500 places throughout the UAE using the CBD app.
  • Travel Discount: Card members can avail up to 8% disocunt at hotels.com and a maximum of 12% discount at Agoda.
  • Meet & Greet Services: The cardholders can enjoy a discount of 30% on the meet and greet services. 
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.
  • Valet Parking Facility: Card members can enjoy two free valet parking services every month on the minimum expenditure of AED 5000.
  • Cashback: CBD One Visa signature credit card members can earn the cashback of up to AED 135 by simply using this card for making purchases from partnered merchants like Zomato, Spotify, Netflix, Prime Video, Starbucks, VOX Cinemas, etc.

CBD one plus VISA Signature Credit Card

CBD one plus VISA Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 0
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 5,220
  • Monthly Plan for One Plus: AED 0 on a minimum spend of AED 15,000 and AED 69 on a minimum spend of AED 8,000
  • Minimum Monthly Salary Required: AED 8,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD one plus VISA Signature Credit Card:

  • Flexibility: Customers can choose and customize the design of their card from the CBD one art gallery.
  • Airport Lounge Access: The cardholder can avail up to 8 airport lounge access in one year across the Middle East. This lounge access can easily be activated by incurring one non-AED spend on this CBD credit card. 
  • Discounts with CBD App: Card members can avail discount at more than 500 places throughout the UAE using the CBD app.
  • Travel Discount: Card members can avail up to 8% disocunt at hotels.com and a maximum of 12% discount at Agoda.
  • Meet & Greet Services: The cardholders can enjoy a discount of 30% on the meet and greet services. 
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.
  • Valet Parking Facility: Card members can enjoy two free valet parking services every month on the minimum expenditure of AED 5000.
  • Cashback: CBD One Plus Visa signature credit card members can earn the cashback of up to AED 250 by simply using this card for making purchases from partnered merchants like Zomato, Spotify, Netflix, Prime Video, Starbucks, VOX Cinemas, etc.

CBD one VIP VISA Signature Credit Card

CBD one VIP VISA Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 0
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 8,220
  • Monthly Plan for One Plus: AED 0 on a minimum spend of AED 22,000 and AED 99 on a minimum spend of AED 15,000
  • Minimum Monthly Salary Required: AED 8,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD one VIP VISA Signature Credit Card:

  • Flexibility: Customers can choose and customize the design of their card from the CBD one art gallery.
  • Airport Lounge Access: The cardholder can avail up to 8 airport lounge access in one year across the Middle East. This lounge access can easily be activated by incurring one non-AED spend on this CBD credit card. 
  • Discounts with CBD App: Card members can avail discount at more than 500 places throughout the UAE using the CBD app.
  • Travel Discount: Card members can avail up to 8% disocunt at hotels.com and a maximum of 12% discount at Agoda.
  • Meet & Greet Services: The cardholders can enjoy a discount of 30% on the meet and greet services. 
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.
  • Valet Parking Facility: Card members can enjoy two free valet parking services every month on the minimum expenditure of AED 5000.
  • Cashback: CBD One VIP Visa signature credit card members can earn the cashback of up to AED 500 by simply using this card for making purchases from partnered merchants like Zomato, Spotify, Netflix, Prime Video, Starbucks, VOX Cinemas, etc.

CBD Smiles VISA Platinum Credit Card

CBD Smiles VISA Platinum Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 366.45
  • Travel Discounts
  • Special Discounts
  • Free for 1st year
Reward Value: AED 11,060
  • Annual Membership Fee:AED 366.45 (Free for the first year)
  • Minimum Monthly Salary Required: AED 5,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Smiles VISA Platinum Credit Card:

  • Welcome Bonus: Card members can earn a welcome bonus of 10,000 Smiles points.
  • Quarterly Bonus: The existing card member is entitled to a quarterly bonus of 7,500 Smiles points.
  • Smiles Points Reward Program: Members of this CBD credit card are automatically enrolled into the reward program. Under this, they can earn Smiles Points on every dirham spent against the card and then redeem the accumulated points for electronics, travel, dining, bill payments, entertainment, and shopping using the Smiles UAE app. The following points can be earned on different spending categories:
    • The cardholder can earn 5 Smiles Points on Etisalat spends or through the Smiles UAE mobile application.
    • The cardholder can earn up to 1.5 Smiles points on local spends.
    • The cardholder can earn up to 2 Smiles points on foreign spends.
  • Limited-Time Special Offers: Card members can enjoy the following special limited-time offers:
    • Free unlimited BOGO (Buy One Get One) offers for a duration of 90 days.
    • A discount worth AED 100 on Car Insurance on Yalla Compare’s official website.
    • A discount voucher for AED 100 that can be redeemed at Laguna Waterpark for a Full Day Pass.
  • VOX Cinema Offers: Cardholders can avail 50% discount on movie tickets in the UAE when booked through VOX cinemas using the CBD Smiles Visa Platinum Credit Card.
  • Entertainment Offers: Members of this CBD Credit Card can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Buy One Get One Offers: The cardholders are entitled to buy 1 get 1 free offers & discounts of 25% (maximum) at over 500 lifestyle and dining merchants.
  • Travel Discounted Offers: Card members can avail up to 8% off at hotels.com, 12% off at Agoda.com and a discount of 30% with YQ Meet & Greet.
  • Free Insurance Services: Card members can enjoy the benefits of purchase protection and extended warranty.

CBD Smiles VISA Signature Credit Card

CBD Smiles VISA Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 1,048.95
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 15,782
  • Annual Membership Fee:AED 1048.95
  • Minimum Monthly Salary Required: AED 12,000
  • Monthly Retail Interest Rate:45%

Features & Benefits of CBD Smiles VISA Signature Credit Card :

  • Welcome Bonus: Card members can earn a welcome bonus of 50,000 Smiles points.
  • Quarterly Bonus: The existing card member is entitled to a quarterly bonus of 15,000 Smiles points.
  • Smiles Points Reward Program: Members of this CBD credit card are automatically enrolled into the reward program. Under this, they can earn Smiles Points on every dirham spent against the card and then redeem the accumulated points for electronics, travel, dining, bill payments, entertainment, and shopping using the Smiles UAE app. The following points can be earned on different spending categories:
    • The cardholder can earn 10 Smiles Points on Etisalat spends or through the Smiles UAE mobile application.
    • The cardholder can earn up to 2 Smiles points on local spends.
    • The cardholder can earn up to 3 Smiles points on foreign spends.
  • Limited-Time Special Offers: Card members can enjoy the following special limited-time offers:
    • Free unlimited BOGO (Buy One Get One) offers for a duration of 12 months.
    • A discount worth AED 250 on air tickets with Travelstart.ae.
    • A discount worth AED 200 on Car Insurance on Yalla Compare’s official website.
    • A discount voucher for AED 100 can be redeemed for Full Day Pass or annual pass at Laguna Waterpark.
  • VOX Cinema Offers: Cardholders can avail 50% discount on movie tickets in the UAE when booked through VOX cinemas & REEL Cinemas using the CBD Smiles Visa Signature Credit Card.
  • Entertainment Offers: Members of this CBD Credit Card can get a discount of 15% at Emaar entertainment like EKart, Kidzania, VR theme Park, and Dig It Dubai.
  • Valet Parking Facility: The card member can enjoy 3 complimentary Valtrans valet parking services every month at some selected locations.
  • Airport Lounge Access: Card members can enjoy free airport lounge access at more than 1,000 lounges across the globe.
  • Multi-Trip Travel Insurance: This card offers complimentary multi-trip travel insurance for the cardholders as well as their family members.

Features & Benefits of CBD Credit Cards 

Every CBD credit card comes with its own set of features & benefits, specifically crafted by observing consumer behaviour in the UAE. These features benefits vary from card to card, some of which are listed below:

  • International Spending -  No matter where the cardholder is, a CBD credit card ensures limitless connectivity and access to their funds without interruption. So whether they are using their CBD credit card on purchases or to withdraw cash, they can do so fearlessly.
  • Convenient Payment Options - The Commercial Bank of Dubai credit card offers some of the most diverse set of payment options amongst any bank in the world. Customers can pay in any of the following ways:
  1. By visiting a CBD branch
  2. Through the internet and mobile banking
  3. Over the phone via an Interactive Voice Response (IVR) system
  4. Logging into CBD’s Facebook branch, an innovative social media-based banking feature
  5. With direct debits from a bank account
  6. On depositing a cheque in a CBD Cash Deposit Machine
  7. Or by visiting Exchange Houses such as Al Ansari Exchange and Redha Al Ansari Exchange
  • Encrypted & Secure - By following industry-leading security protocols, Commercial Bank of Dubai credit cards offer reliable and secure banking experience to the card members. All online transactions are verified by Visa and MasterCard through One-Time-Passwords (OTP). Additionally, the CBD fraud monitoring processes give cardholders access to an early warning system which helps to prevent any misuse of the card.
  • Credit Shield - CBD credit cards offer a third-party insurance policy, known as Credit Shield. Under this policy, any unforeseen events such as sudden disabilities, illnesses, death and loss of employment are covered by Orient Insurance. The primary cardholder can avail this feature on request and will be charged 0.89% on the monthly statement balance of their credit card.
  • No Annual Fees - Many of the CBD credit cards are unconditionally fee-free for life. Commercial Bank of Dubai credit cards with no annual membership fees also come loaded with various benefits.
  • Balance Transfer - The facility of balance transfer on CBD credit cards makes them extremely attractive for the applicants looking to pay off their debt. Most of the cards offer a 0% interest rate on balance transfer for the first 12 months, making them the perfect card to pay off the outstanding amounts.
  • Instalment Plans - Easy Installment Plans are a scheme through which a CBD credit card offers the card members an opportunity to convert transactions above AED 1,000 into monthly instalment plans with no interest for the first 12 months.
  • Airport Lounge Access - Many of the CBD credit cards offer complimentary airport lounge access globally.

CBD Credit Card Rewards & Offers

There is a wide variety of credit cards offered by the Commerical Bank of Dubai, all of them offer the best of perks and privileges to its cardholders. Some of the popular CBD Credit Card offers common across many of their cards are as follows:

  • 50% Off on VOX Cinema Tickets - Almost each and every CBD credit card offers the cardholder a discount worth 50% on tickets purchased with VOX Cinemas across the UAE.
  • Travel Discounts on Hotel Bookings - Many of the CBD credit cards allow the card member to enjoy discounts on hotel stays of up to 12% when booking is made through the official website of Agoda and up to 8% when booking done through the official website of hotels.com.
  • Up to 20% off on Rides with Careem - The cardholder can enjoy a discount on Careem Rides of up to 20% for a fixed number of rides in a month.
  • 30% Discount on Meet and Greet - Many credit cards offered by the Commerical Bank of Dubai provide discounts worth 30% on the meet and greet services.

CBD Credit Card Interest Rates & Annual Fees

Given below is a complete list of CBD credit card interest rates and annual membership fees for cards available in the market.

CBD Credit Card Name Monthly Retail Interest (in %) Annual Membership Fee (in AED)

CBD Visa Platinum Credit Card

3.45

Free for life

CBD Titanium MasterCard Credit Card

3.45

Free for life

CBD Visa Signature Credit Card ***

3.45

525 (Free for the 1st Year)

CBD Visa Infinite Credit Card ***

3.45

787.50 (Free for the 1st Year)

CBD World MasterCard Credit Card ***

3.45

787.50(Free for the 1st Year)

CBD Super Saver Credit Card**

3.45

420

CBD One Starter Visa Signature Credit Card

3.45

Free for life

CBD One Visa Signature Credit Card

3.45

39 (monthly)

CBD One Plus Visa Signature Credit Card

3.45

69 (monthly)

CBD One VIP Visa Signature Credit Card

3.45

99 (monthly)

CBD Smiles Visa Platinum Credit Card

3.45

366.45

CBD Smiles Visa Signature Credit Card

3.45

1048.95

(Updated as of October 2020)

* Annual Fee is waived in the first year. It is applicable from the second year onwards.

** New Commercial Bank of Dubai credit card members are eligible for no annual fees in the first year.

***Note: Commercial Bank of Dubai credit cards offer a fee-waiver on meeting a minimum yearly spending requirement for the following cards:

  • CBD Visa Signature Credit Card: Yearly spending requirement of AED 65,000.
  • CBD Visa Infinite Credit Card: Yearly spending requirement of AED 100,000.
  • CBD World MasterCard Credit Card: Yearly spending requirement of AED 100,000.

CBD Credit Card Eligibility Criteria

Applying for a Commercial Bank of Dubai credit card is not really difficult and the eligibility requirements are fairly relaxed. The following factors can determine whether the applicants qualify for a CBD credit card or not.

  • Age - Expatriates must be between 21-60 years of age to qualify for a CBD credit card. UAE nationals, however, can be up to 65 years of age.
  • Income - Every CBD credit card requires a minimum monthly income ranging from AED 5,000 to AED 25,000 per month. Furthermore, CBD also asks applicants to have at least 6 months of service in their organization.
  • Credit Score - Regardless of the monthly income, poor credit history can still disqualify the applicants from obtaining a CBD card. The bank will also check for the applicants’ existing debt. Having debt more than 50% of their monthly income may instantly disqualify them.
  • Residency - Most of the Commercial Bank of Dubai credit cards are applicable for UAE residents and UAE nationals only. Applicants without a UAE residency will need to get in touch with a CBD representative for further instructions.

CBD Credit Cards Based on Salary

As mentioned earlier, every CBD credit card has its own requirement for minimum monthly income. These are mentioned below.

Name of Card Minimum Monthly Income (in AED)

CBD Visa Platinum Credit Card

NA

CBD Super Saver Credit Card

8,000

CBD Titanium MasterCard Credit Card

5,000

CBD Visa Signature Credit Card

NA

CBD Visa Infinite Credit Card

NA

CBD World MasterCard Credit Card

25,000

CBD One Starter Visa Signature Credit Card

8,000

CBD One Visa Signature Credit Card

8,000

CBD One Plus Visa Signature Credit Card

8,000

CBD One VIP Visa Signature Credit Card

8,000

CBD Smiles Visa Platinum Credit Card

5,000

CBD Smiles Visa Signature Credit Card

12,000

(Updated as of October 2020)

How to Apply for a CBD Credit Card?

Customers can apply for a CBD credit card by visiting the branch, submitting an online application or via phone and text.

  • Online Applications: The easiest way of applying for a CBD credit card is through the online application using the online banking portal of the bank.
  • Branch Visit: Applicants can also visit one of the many CBD branches in the UAE to apply for a CBD credit card. Commercial Bank of Dubai has over 20 branches across the Emirates.
  • Phone or Text: Customers may also SMS CARD to 4266 to initiate the application process, or contact a CBD representative via phone on:
    • 600 575 556 - within UAE, and
    • +971 600 575 556 - outside UAE.

Documents Required to Apply for a CBD Credit Card

Documents required to complete the CBD credit card application are as follows:

  • Passport or National ID (for expats)
  • Residence Visa (for expats)
  • Emirates ID (for UAE nationals)
  • Salary Certificate
  • A trade license (for self-employed applicants)

Note: Commercial Bank of Dubai credit card applicants without a UAE residency will have to contact a CBD representative on the numbers mentioned above, or submit a query online.

The Commercial Bank of Dubai Credit Card Limit

A credit limit is the amount of credit that a bank is willing to extend to a cardholder. Each CBD credit card offers a varying credit limit from customer to customer, depending on their financial status and prior credit history.

In order to check the Commercial Bank of Dubai credit card limit, the cardholders can head over to the CBD online banking page and log in with their credentials. CBD customers may also request an increase in their credit limit by visiting any of the CBD branches or by talking to a CBD representative at (+971) 600 575 556.

Such requests majorly depend on the payment history with the bank. Maintaining a good repayment record with CBD will increase the chances of having their request approved.

CBD Credit Card Fees & Charges

Not all fees and charges levied on the Commercial Bank of Dubai credit card are necessarily negative. Some of these are the costs associated with owning a credit card, such as:

  • Annual Membership Fees: Vary from card to card
  • Foreign Transaction Fee: 2.75%

However, many of the fees and charges incurred are due to negligence or purposeful misdemeanours. These might include:

  • Late Payment Fees: AED 241.50
  • Over Limit Fees: AED 288.75

Note: You can find the complete list of fees and charges on the official website of Commercial Bank of Dubai.

How to Cancel a CBD Credit Card?

The cardholder may cancel their CBD credit card by contacting a CBD representative at (+971) 600 557 556. The cancel request will only be completed after all outstanding payments and their respective interests have been paid in full. Once all dues have been cleared, CBD will cancel your credit card.

It is advised to cut your CBD credit card only after all the formalities have been completed.

FAQs on CBD Credit Cards

Q1: Who can avail CBD supplementary credit cards?

Ans: Nearly all Commercial Bank of Dubai credit cards offers free supplementary cards to the family members of the primary cardholder who are above the age of 15. No annual or monthly fee is charged on these cards.

Q2: What is a late fee?

Ans: If you have not made the outstanding amount payment by the due date, you will be charged a late payment fee. This late fee is charged over the interest you’d normally pay on the outstanding debt. It is advisable to avoid late fees by paying on time every month, as late fees will also negatively affect your credit history.

The late fee on CBD credit cards is AED 241.50.

Q3: What is an over-limit fee?

Ans: If outstanding or current balance surpasses the set credit limit, the cardholder is charged an over-limit fee. Interest, cash advances, and other charges are also included in the outstanding balance of an account.

The over-limit fee on the Commercial Bank of Dubai credit cards is AED 288.75.

Q4: What is a cash advance?

Ans: Any cash withdrawal made from an ATM or a branch using the credit card is referred to as a cash advance. Credit card withdrawals incur a cash advance fee and will also have interest charged on the withdrawn amount, starting from the date of the withdrawal itself.

CBD credit cards levy a cash advance transaction fee of 3% of the transaction amount (up to AED 105 at most). The cash advance interest is 3.49% per month, calculated from the date of the transaction.

Q5: What am I supposed to do if my credit card is stolen or lost?

Ans: Lost or stolen credit cards need to be reported to a bank representative as soon as possible. The bank will then freeze the missing card and replace it with a new one. The longer you wait to report a missing card, the more at risk you are of paying for fraudulent credit card purchases.

CBD credit cards charge a replacement fee of AED 78.75 for lost/stolen cards.

 Q6: How do I gain access to airport lounges using my credit card?

Ans: Ensure that your card has lounge access benefits or you may be charged during entry. Similarly, only airports partnered with the bank will permit airport lounge access. To gain entry, you must have your credit card in person. The card will be swiped at the reception and relevant lounge passes will be deducted from your card benefits.

Most of the Commercial Bank of Dubai credit card offers on lounge access requires the cardholder to make a small yearly international transaction of USD 1.

Q7: What are installment plans and how do I book one?

Ans: An installment plan allows cardholders to pay for big amount purchases in smaller installments over an agreed upon a number of months (or tenor). In other words, customers can purchase items within their credit limit and pay off the full amount over a period of time. Nearly every CBD credit card offers Easy Installment Plans for purchases above AED 1,000 at 0% interest for the first 12 months.

Q8: What services can I access through online banking?

Ans: Online banking makes day to day transactions and query resolutions a breeze. Some of the many features of online banking are as follows:

  • Account Balance & Statement
  • Transaction History
  • Fund Transfers: To accounts in the same bank, in other banks and even overseas
  • Bill Payments
  • Add Beneficiaries & Manage Investments
  • Add & Modify Personal Information
  • Block & Cancel Cards
  • Create Activity Alerts and a lot more.

You can find the Commercial Bank of Dubai login online.

Q9: Where do I make my credit card payments?

Ans: Credit cardholders have to make minimum monthly payments by a specified payment due date, to avoid late fees and a bad impact on their credit history. These payments can be made in a variety of ways, depending on the bank. They can be made:

  • Through online transfers
  • Through automatic monthly payments (also known as direct debit)
  • Through ATM deposits (by cheque)
  • Through a UAE fund transfer system (UAEFTS)
  • Through phone banking, via an Interactive Voice Response (IVR) system
  • Through exchange houses such as Al Ansari Exchange and Redha Al Ansari Exchange