Commercial Bank of Dubai (CBD) Credit Cards

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.

CBD includes an Islamic division, which strictly focuses on Sharia-compliant banking known as Attijari-Al-Islami. The customers can enjoy customized banking solutions, which provides them with a 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. They range from free for life cards to high rewarding premium cards.

Types of CBD Credit Cards

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

CBD Visa Platinum Credit Card 

CBD Visa Platinum Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Annual Membership Fee: Nil
Monthly Interest Rate:  3.45%

Benefits: Following are the CBD Visa Platinum Card offers.

  • Free supplementary Commercial Bank of Dubai credit cards for family members above 15 years of age.
  • Reward points on each transaction- 1.5 Attijari point on every domestic transaction and 2 Attijari points on every international transaction.
  • Complimentary travel insurance.
  • Purchase protection.
  • 50% discount on up to four tickets on each transaction and 10 movie tickets purchased every month through VOX Cinemas. The offer is valid on Sunday shows only. Visa benefits on travel, dining, lifestyle and wellness, and hospitality.
  • PIN & Chip technology for secure transactions.

CBD Titanium MasterCard Credit Card

CBD Titanium MasterCard Credit Card

Eligibility: Minimum monthly salary of AED 10,000
Annual Membership Fee: Nil
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD Titanium MasterCard offers.

  • Free supplementary Commercial Bank of Dubai credit cards for family members above 15 years of age.
  • Reward points on each transaction- 1.5 Attijari point on every domestic transaction and 2 Attijari points on every international transaction.
  • VIP access to 10 airport lounges in UAE, Kuwait, Jordan, KSA and Egypt.
  • 20% discount on Careem rides three times every month.
  • Tons of ‘buy one, get one free’ deals on casual dining and events across the Middle East and Africa, through the MasterCard app.PIN & Chip technology for secure transactions.
  • MasterCard benefits on travel, dining, lifestyle & wellness, and hospitality.

CBD Visa Signature Credit CardCBD Visa Signature Credit Card

Eligibility: Minimum monthly salary of AED 12,000
Annual Membership Fee: Free for the first year. AED 525 from second year onwards.
Monthly Interest Rate: 3.45%

Note: *The annual membership fee is waived on spending AED 65,000 in a year.


Benefits: Following are the CBD Visa Signature Card offers.

  • Free supplementary Commercial Bank of Dubai credit cards for family members above 15 years of age.
  • Reward points on each transaction- 1.5 Attijari point on every domestic transaction and 2 Attijari points on every international transaction.
  • Complimentary travel insurance.
  • Benefits of Purchase protection and Extended Warranty.
  • Flat 50% discount on movie tickets in the UAE, booked through VOX cinemas.*
  • 2 complimentary Valtrans valet parking services every month at City Walk, Mirdif City Center, Box Park and Dubai International Airport.*
    * Both of these services may only be availed on spending a minimum monthly amount of AED 5,000.
  • Up to 8 passes yearly to over 1,000 airport lounges globally. This is applicable only for the primary Commercial Bank of Dubai credit card The first lounge pass is complimentary, while the remaining passes require at least USD 1 spent on international purchases every year.
  • Up to 8% off at hotels.com and 12% off at Agoda.com.
  • PIN & Chip technology for secure transactions.
  • Visa benefits on travel, dining, lifestyle and wellness, and hospitality.

CBD Visa Infinite Credit CardCBD Visa Infinite Credit Card

Eligibility: Minimum monthly salary of AED 20,000
Annual Membership Fee: Free for the first year. AED 787.50 from second year onwards.
Monthly Interest Rate: 3.45%

Note: *The annual membership fee is waived on spending AED 100,000 in a year.


Benefits: Following are the CBD Visa Infinite Card offers.

  • Free supplementary Commercial Bank of Dubai credit cards for family members above 15 years of age.
  • Reward points on each transaction- 1.5 Attijari point on every domestic transaction and 2 Attijari points on every international transaction.
  • Complimentary travel insurance.
  • Benefits of Purchase protection and Extended Warranty.
  • Access to Pharaohs Club WAFI, a luxurious club with facilities such as gyms, spas, pools and tennis and squash courts. *
  • Flat 50% discount on movie tickets in the UAE, booked through VOX cinemas.*
  • 3 complimentary Valtrans valet parking services every month at City Walk, Mirdif City Center, Box Park and Dubai International Airport.*
    * Note that all three of these services may only be availed on spending a minimum monthly amount of AED 5,000.
  • Up to 12 passes yearly to over 1,000 airport lounges globally. This is applicable only for the primary Commercial Bank of Dubai credit card owner and one guest. The first two lounge passes are complimentary, while the remaining passes require at least USD 1 spent on international purchases every year.
  • Up to 8% off at hotels.com and 12% off at Agoda.com.
  • PIN & Chip technology for secure transactions.
  • Visa benefits on travel, dining, lifestyle and wellness, and hospitality.

CBD World MasterCard Credit CardCBD World MasterCard Credit Card

Eligibility: Minimum monthly salary of AED 40,000
Annual Membership Fee: Free for the first year. AED 787.50 from second year onwards.
Monthly Interest Rate: 3.45%

Note: *The annual membership fee is waived on spending AED 100,000 in a year.

Benefits: Following are the CBD World MasterCard offers.

  • Free supplementary Commercial Bank of Dubai credit cards for family members above 15 years of age.
  • Reward points on each transaction- 1.5 Attijari point on every domestic transaction and 2 Attijari points on every international transaction.
  • Access to Pharaohs Club WAFI, a luxurious club with facilities such as gyms, spas, pools and tennis and squash courts. *
  • Flat 50% discount on movie tickets in the UAE, booked through VOX cinemas. *
  • 4 complimentary Valtrans valet parking services every month at City Walk, Mirdif City Center, Box Park and Dubai International Airport.*
    * Note: All three of these services may only be availed on spending a minimum monthly amount of AED 5,000.
  • Free airport lounge membership with Loungekey and unlimited access to more than 900 lounges in over 450 cities in around 135 countries across the globe.
  • 20% discount on Careem rides three times every month.
  • Tons of ‘buy one, get one free’ deals on casual dining and events across the Middle East and Africa, through the MasterCard app.PIN & Chip technology for secure transactions.
  • Free nights at selected Marriot Bonvoy hotels.
  • MasterCard benefits on travel, dining, lifestyle & wellness, and hospitality.

CBD Super Saver Credit CardCBD Super Saver Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Annual Membership Fee: Free for the first year (for new CBD customers only). AED 840 from second year onwards.
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD Super Saver Card offers.

  • The Super Saver Commercial Bank of Dubai credit card offers cardholders 1% cash back on every AED 2 spent on any other purchases. There is no cap on this offer.
  • Up to 10% cashback on daily retail expenditure including bills, education, supermarket, and transport. Every category is capped at AED 200 per month. The cashback can be earned on a minimum spend of AED 3,000
  • Free supplementary Commercial Bank of Dubai credit cards for family members above 15 years of age.
  • Flat 50% discount on movie tickets in the UAE, booked through VOX cinemas.*
  • 2 complimentary Valtrans valet parking services every month at City Walk, Mirdif City Center, Box Park, Ferrari World, YAS Waterworld and Dubai International Airport.*
    * Note: Both of these services may only be availed on spending a minimum monthly amount of AED 5,000.
  • Up to 8 passes yearly to over 1,000 airport lounges globally. This is applicable only for the primary Commercial Bank of Dubai credit card owner and one guest. The first lounge pass is complimentary, while the remaining passes require at least USD 1 spent on international purchases every year.
  • Complimentary travel insurance.
  • Benefits of Purchase protection and Extended Warranty.
  • Up to 8% off at hotels.com and 12% off at Agoda.com.
  • PIN & Chip technology for secure transactions.
  • Visa benefits on travel, dining, lifestyle and wellness, and hospitality.

CBD one Starter VISA Signature Credit CardCBD one Starter VISA Signature Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Annual Membership Fee: Nil
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD one Starter VISA Signature Credit Card offers.

  • Up to 8 airport lounge access in one year across the Middle East.
  • Discount at more than 500 places throughout the UAE using the CBD app.
  • Up to 8% off at hotels.com.
  • Up to 30% discount on meet & greet services.
  • Tap and Pay services for simple, secure, and fast payments.
  • Various excusive Visa Signature benefits.
  • Benefits of Purchase protection and Extended Warranty.

CBD one VISA Signature Credit CardCBD one VISA Signature Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Monthly Membership Fee: AED 0 on a minimum spend of AED 8,000 and AED 39 on a minimum spend of AED 5,000
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD one VISA Signature Credit Card offers.

  • Up to 8 airport lounge access in one year across the Middle East.
  • Cashback up to AED 135 monthly.
  • Up to 2 complimentary valet parking every month on a minimum retail spend of AED 5,000.
  • Discount at more than 500 places throughout the UAE using the CBD app.
  • Up to 8% off at hotels.com.
  • Up to 30% discount on meet & greet services.
  • Tap and Pay services for simple, secure, and fast payments.
  • Various excusive Visa Signature benefits.
  • Benefits of Purchase protection and Extended Warranty.

CBD one plus VISA Signature Credit CardCBD one plus VISA Signature Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Monthly Membership Fee: AED 0 on a minimum spend of AED 15,000 and AED 69 on a minimum spend of AED 8,000
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD one plus VISA Signature Credit Card offers.

  • Up to 8 airport lounge access in one year across the Middle East.
  • Cashback up to AED 250 monthly.
  • Up to 2 complimentary valet parking every month on a minimum retail spend of AED 5,000.
  • Discount at more than 500 places throughout the UAE using the CBD app.
  • Up to 8% off at hotels.com.
  • Up to 30% discount on meet & greet services.
  • Tap and Pay services for simple, secure, and fast payments.
  • Various excusive Visa Signature benefits.
  • Benefits of Purchase protection and Extended Warranty.

CBD one VIP VISA Signature Credit CardCBD one VIP VISA Signature Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Monthly Membership Fee: AED 0 on a minimum spend of AED 22,000 and AED 99 on a minimum spend of AED 15,000
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD one VIP VISA Signature Credit Card offers.

  • Up to 8 airport lounge access in one year across the Middle East.
  • Cashback up to AED 500 monthly.
  • Up to 2 complimentary valet parking every month on a minimum retail spend of AED 5,000.
  • Discount at more than 500 places throughout the UAE using the CBD app.
  • Up to 8% off at hotels.com.
  • Up to 30% discount on meet & greet services.
  • Tap and Pay services for simple, secure, and fast payments.
  • Various excusive Visa Signature benefits.
  • Benefits of Purchase protection and Extended Warranty.

CBD Smiles VISA Platinum Credit CardCBD Smiles VISA Platinum Credit Card

Eligibility: Minimum monthly salary of AED 8,000
Annual Membership Fee: AED 349 (Free for first year)
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD Smiles VISA Platinum offers.

  • Up to 8 airport lounge access in one year.
  • 10,000 Smile points as welcome bonus.
  • 7,500 Smile points as quarterly bonus.
  • Up to 5 Smile points on the transactions (2 on international spends and 1.5 domestic spends).
  • Up to 50% off on movie tickets at VOX Cinemas on Sunday.
  • BOGO offers and up to 25% discount at more than 500 lifestyle and dining merchants.
  • Tap and Pay services for simple, secure, and fast payments.
  • Various excusive lifestyle Visa Platinum benefits.
  • Benefits of Purchase protection and Extended Warranty.

CBD Smiles VISA Signature Credit CardCBD Smiles VISA Signature Credit Card

Eligibility: Minimum monthly salary of AED 15,000
Annual Membership Fee: AED 999
Monthly Interest Rate: 3.45%

Benefits: Following are the CBD Smiles VISA Signature offers.

  • Airport lounge access at 1,000 lounges across the globe.
  • 50,000 Smile points as welcome bonus.
  • 15,000 Smile points as quarterly bonus.
  • Up to 10 Smile points on the transactions (3 on international spends and 2 domestic spends).
  • Up to 50% off on movie tickets at VOX Cinemas on Sunday.
  • BOGO offers and up to 25% discount at more than 500 lifestyle and dining merchants.
  • Tap and Pay services for simple, secure, and fast payments.
  • Various excusive lifestyle Visa Signature benefits.
  • Benefits of Purchase protection and Extended Warranty.

Features & Benefits of Commercial Bank of Dubai Credit Cards

With a long history of dedication and commitment to their customers, Commercial Bank of Dubai has spent decades catering to the needs of the UAE populace. Now, why should one choose a commercial bank of Dubai credit card?

A Commercial Bank of Dubai credit card offers customers the opportunity to exponentially increase their spending power and partake in the world-class benefits offered by the bank. As a Commercial Bank of Dubai credit card owner, here is what one can expect to get:

International Spending

No matter where the cardholder is, a Commercial Bank of Dubai 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:

  • By visiting a CBD branch
  • Through the internet and mobile banking
  • Over the phone via an Interactive Voice Response (IVR) system
  • Logging into CBD’s Facebook branch, an innovative social media-based banking feature
  • With direct debits from a bank account
  • On depositing a cheque in a CBD Cash Deposit Machine
  • Or by visiting Exchange Houses such as Al Ansari Exchange and Redha Al Ansari Exchange

e-Statement

The online banking portal allows the cardholders to access their Commercial Bank of Dubai credit card account statement, transaction history and carry out fund transfers conveniently on the go. This online portal can also be used to monitor and manage loyalty points and credit limit.

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

  • Commercial Bank of Dubai 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. Only the primary cardholder is covered by Credit Shield, and is liable to receive:
  • Up to AED 100,000 on permanent disabilities caused by illness or accidents.
  • Up to AED 100,000 on death.
  • Up to AED 50,000 on illnesses covered by the policy.
  • Up to AED 3,000 every month on the sudden loss of employment.

Other Benefits of CBD Credit Cards

Every Commercial Bank of Dubai credit card comes with its own set of benefits, especifically crafted by observing consumer behavior in the UAE. These benefits vary from card to card, some of which are listed below.

  • 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 Commercial Bank of Dubai 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.
  • Cash Advance: A certain amount of the Commercial Bank of Dubai credit card’s credit limit can be transferred directly into the cardholders’ account on certain cards. The amount is then paid off in equal monthly instalments with tenors ranging from 3 to 36 months.
  • Instalment Plans: Easy Installment Plans are a scheme through which a Commercial Bank of Dubai 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.
  • Attijari Rewards: Commercial Bank of Dubai credit card loyalty program is referred to as Attijari Rewards. Cardholders earn points by making purchases, paying utility bills, making investments and more. Attijari points can be redeemed for exciting rewards such as:
    • Air Miles: Applicable on Emirates Skywards Miles and on Etihad Guest Miles.
    • Cash Back: Credited into cardholder’s account.

Commercial Bank of Dubai Credit Card Annual Fees

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

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

CBD Visa Platinum

3.45

Free for life

CBD Titanium MasterCard

3.45

Free for life

CBD Visa Signature***

3.45

525* (annual)

CBD Visa Infinite***

3.45

787.50* (annual)

CBD World MasterCard***

3.45

787.50* (annual)

CBD Super Saver

3.45

840** (annual)

CBD One Starter Visa Signature

3.45

Free for life

CBD One Visa Signature

3.45

39 (monthly)

CBD One Plus Visa Signature

3.45

69 (monthly)

CBD One VIP Visa Signature

3.45

99 (monthly)

CBD Smiles Visa Platinum

3.45

349*

CBD Smiles Visa Signature

3.45

999

(Updated as of December 2019)

* Annual Fee is waived on 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: Yearly spending requirement of AED 65,000.
  • CBD Visa Infinite: Yearly spending requirement of AED 100,000.
  • CBD World MasterCard: Yearly spending requirement of AED 100,000.

Commercial Bank of Dubai Credit Card Eligibility

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 card.

Age

Applicants must be between 21-60 years of age to qualify for a CBD card. UAE nationals, however, can be up to 65 years of age.

Income

Every Commercial Bank of Dubai credit card requires a minimum monthly income ranging from AED 8,000 to AED 40,000 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 card offers 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.

Commercial Bank of Dubai Credit Cards Based on Salary

As mentioned earlier, every Commercial Bank of Dubai 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

8,000

CBD Super Saver

8,000

CBD Titanium MasterCard

10,000

CBD Visa Signature

12,000

CBD Visa Infinite

20,000

CBD World MasterCard

40,000

CBD One Starter Visa Signature

8,000

CBD One Visa Signature

8,000

CBD One Plus Visa Signature

8,000

CBD One VIP Visa Signature

8,000

CBD Smiles Visa Platinum

8,000

CBD Smiles Visa Signature

15,000

(Updated as of December 2019)

How to Apply for a Commercial Bank of Dubai Credit Card

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

  • Online Applications: The easiest way of applying for a Commercial Bank of Dubai 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 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 complete the Commercial Bank of Dubai 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 most amount of credit that a bank is willing to extend to a cardholder. Each Commercial Bank of Dubai credit card offers a varying credit limit from customer to customer, depending on their financial status and prior credit history.

To check their 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.

Commercial Bank of Dubai 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 misdemeanors. These might include:

  • Late Fees: AED 209
  • Over Limit Fees: AED 209

How to Cancel a Commercial Bank of Dubai Credit Card

The cardholder may cancel their Commercial Bank of Dubai 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 Commercial Bank of Dubai credit card only after all the formalities have been completed.

Commercial Bank of Dubai FAQs

Q.1. 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.

Q.2. What is a late fee?

Ans: If you have not made the payment by this due date, you are charged a late 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 Commercial Bank of Dubai credit cards is AED 209.

Q.3. 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 Commercial Bank of Dubai credit cards is AED 209.

Q.4. 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.

Commercial Bank of Dubai 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.

Q.5. 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.

Commercial Bank of Dubai credit cards charges a replacement fee of AED 75 for lost/stolen cards.

 Q.6. 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.

Q.7. What are instalment plans and how do I book one?

Ans: An instalment plan allows cardholders to pay for big amount purchases in smaller instalments 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 Commercial Bank of Dubai credit card offers Easy Installment Plans for purchases above AED 1,000 at 0% interest for the first 12 months.

Q.8. 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.

Q.9. Will I earn loyalty points on online purchases as well?

Ans: Yes, any purchases made through your credit card are liable for loyalty points. These purchases can be made in person or online. To ensure you are earning points, first confirm whether your credit card grants you access to a loyalty program. Furthermore, factors such as the type of currency being used (foreign or local), type of items being purchased (grocery and real estate purchases may earn less) and yearly earning limits can determine whether you earn points.

The Commercial Bank of Dubai credit card loyalty program is known as Attijari Rewards.

Q.10. 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 a 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
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