Commercial Bank of Dubai (CBD) Reward Points Credit Cards

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  • No Annual Fee
  • Dining Discounts
  • Cashback up to AED2,000

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Founded in the year 1969, the Commercial Bank of Dubai is the seventh-largest bank in the UAE. It is headquartered in Dubai and has its branches spread out to the whole country. Offering various financial services, CBD has become one of the top banks for the residents and nationals of the UAE. From loans to credit cards, bank accounts, deposits to debit cards, there is nothing you won’t find with CBD. The bank specializes in personal as well as business banking programs. Commercial Bank of Dubai reward credit cards in the UAE are one of the most popular products offered by CBD. Let’s take a look at all reward points credit cards that CBD offers. 

Best ADCB Rewards Points Credit Cards in UAE

CBD World MasterCard Credit Card

The Commercial Bank of Dubai World Mastercard is one of the most exclusive reward point credit cards available in the series. It comes with an array of value-added services and a fantastic reward point system as well. From free supplementary cards to cinema benefits and dining discounts, there is a lot you can enjoy with this Commercial Bank of Dubai rewards credit card in the UAE. Given below is the complete list of benefits offered by CBD World Mastercard along with the reward point benefits. 

CBD World MasterCard Credit Card
Cashback
  • Minimum Salary AED 25,000
  • Annual Fee Free for the first year
  • Cashback
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Valet Parking

Minimum Income Required: AED 25,000

Annual Fee of the Card: AED 787.50, second year onwards  

Minimum Age Limit: 21 years 

Reward Points Offered with CBD World Mastercard Credit Card

  • Earn 40,000 CBD credit cards reward points as a welcome bonus when you first get this Commercial Bank of Dubai rewards credit card. A minimum spend of AED 5,000 should be made within the first billing cycle (30 days) of the CBD World Mastercard to get the welcome bonus.
  • Earn 0.75 CBD credit cards reward points for every AED spent on International transactions on groceries, supermarkets, government spending, utility bills, fuel, insurance, restaurants and education.
  • 1.5 CBD credit cards reward points for one Dirham spent on all other types of international transactions. 
  • Earn 0.5 CBD credit cards reward points for every Dirham spent on domestic transactions on groceries, supermarkets, government spending, utility bills, fuel, insurance, restaurants and education. 
  • 1 CBD reward point for every Dirham Spent on all other kinds of domestic transactions. 

Key Additional Features & Benefits of CBD World Mastercard Credit Card

  • You do not have to pay the annual fee of the CBD World Mastercard for first year. It starts applying in the second year. The levied annual fee is reversed if users spend AED 100,000 or above in one year.
  • All supplementary cards taken with this Commercial Bank of Dubai rewards credit card in the UAE are free for life. 
  • Unlimited free golf sessions for this Commercial Bank of Dubai rewards cardholders with minimum spend conditions. 
  • 10 credits earned every month which can be redeemed for health and wellness services in the UAE.
  • Get 4 complimentary valet parking every month on every billing cycle in the UAE. 
  • Get half off on 4 VOX and Reels cinema tickets every billing cycle with minimum spend conditions. 
  • Free unlimited access to over 900 lounges across 135 countries for both primary and supplementary cardholders. 
  • Up to 10% discount on bookings done via bookings.com as a Mastercard offer. 
  • 20% discount on your first 3 Uber rides every billing cycle. 
  • Up to 15% off on Emar entertainment chain including VR Theme Park of Dubai, KidZania, Dig it Dubai, etc. 

CBD Visa Signature Credit Card

The ideal Commercial Bank of Dubai rewards credit card in the UAE for travel as well as shopping, CBD Visa Signature is perfect for folks who require a lot of flexibility in their credit cards. Endowed with some very interesting value-added benefits and services. Along with reward points for every spend, the cardholders are also awarded additional welcome CBD reward points. Given below is the complete break-up of the same. 

CBD Visa Signature Credit Card
Cashback
  • Minimum Salary AED 15,000
  • Annual Fee Free for the first year
  • Cashback
  • Airport Lounge Access
  • Special Discounts

Minimum Income Required: AED 12,000

Annual Fee of the Card: AED 525, second year onwards

Minimum Age Limit: 21 years 

Reward Points Offered with CBD Visa Signature Credit Card

  • Get 30,000 CBD credit cards reward points as a welcome bonus when you first get this Commercial Bank of Dubai rewards credit card. A minimum spends of AED 2,500 should be made within the first billing cycle (30 days) of the CBD Visa Signature credit card to avail of the welcome bonus.
  • 0.5 CBD credit cards reward points for every Dirham spent on domestic transactions on groceries, supermarkets, the government spending, education sector, utility and other bills, fuel, restaurants, etc. 
  • 1.5 CBD reward point for every Dirham spent on all other kinds of domestic transactions. 
  • Earn 0.75 CBD reward points for every AED spent on International transactions on groceries, supermarkets, government spending, utility bills, fuel, restaurants, education, etc.
  • 2 CBD credit cards reward points for one Dirham spent on all other types of international transactions. 

Key Additional Features and Benefits of CBD Visa Signature Credit Card

  • The CBD Visa Signature credit card is free for first year for all cardholders. 
  • Enjoy free valet parking at Dubai International Airport twice every billing cycle. 
  • Get half off on VOX and Reel cinema tickets in the UAE. 
  • Get a 15% discount on Emaar Entertainment features including Dubai VR Theme Park, Dig It Dubai, etc. 
  • Get 20% off on three Careem car rides every billing cycle, 10% off on bike rides and 30% off food/shopping orders. 
  • Get up to 8 complimentary visits to over 1000 airport lounges worldwide in a year. 
  • Complimentary multi-trip travel insurance for all cardholders worth AED 500,000 for a trip duration of 90 days and less. 
  • Additional features include purchase protection and extended warranty facility. 

CBD Visa Infinite Credit Card

The Visa Infinite credit card from the Commercial Bank of Dubai comes with the highest level of reward point payout out of all the cards. Along with a hefty welcome gift of reward points, the card also features some very interesting value-added services. From movie tickets to complimentary airport lounge access and food offers, there is nothing you won’t find with this Commercial Bank of Dubai rewards credit card in the UAE. 

CBD Visa Infinite Credit Card
Cashback
  • Minimum Salary AED 20,000
  • Annual Fee Free for the first year
  • Cashback
  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection

Minimum Income Required: AED 6000

Annual Fee of the Card: AED 0 

Minimum Age Limit: 21 years 

Reward Points Offered with CBD Visa Infinite Credit Card

  • 60,000 CBD credit cards reward points are offered as a welcome bonus when you first get this Commercial Bank of Dubai reward credit card. A minimum of AED 5,000 should be spent using the CBD Visa Infinite card to avail of the welcome bonus benefit. 
  • Earn 0.75 CBD credit cards reward points for every AED spent on International transactions on groceries, supermarkets, fuel, utility bills, government spends, education, etc. 
  • 3 CBD credit cards reward points for one Dirham spent on all other kinds of international transactions. 
  • Earn 0.5 CBD credit cards reward points for every Dirham spent on domestic transactions on groceries, supermarkets, government spends, utility bills, fuel, etc. 
  • 2.5 CBD reward point for every Dirham spent on all other kinds of domestic transactions. 

Key Additional Features and Benefits of CBD Visa Infinite Credit Card

  • Free for life supplementary credit cards can be bought with this Commercial Bank of Dubai rewards credit card for family members. 
  • Get free 3 valet parking every billing cycle at Dubai International Airport in every billing cycle. 
  • Enjoy half off on VOX and Reel cinema shows.
  • Up to 15% off on Emaar entertainment. This includes tickets from VR Park, EKart, Dig It Dubai and KidZania. 
  • Get a total of 12 complimentary airport lounge accesses in one year with this Commercial Bank of Dubai rewards credit card in more than 1000 airport lounges worldwide. 
  • Avail up to 20% off on Careem car rides, 10% Careem credit back on bike rides and 50% off on 3 food and shopping order services. Applicable on one billing cycle. 
  • Enjoy a multi-trip insurance worth AED 1,000,000 for trips with a duration of 90 days or less. 
  • Get additional benefits like extended warranty and purchase protection with this Commercial Bank of Dubai rewards credit card in the UAE. 

CBD Visa Platinum Credit Card

This Commercial Bank of Dubai rewards credit card is the perfect credit card for your everyday shopping needs. The CBD Visa Platinum card is designed to suit both the basic regular needs of a household as well the luxury spends of the cardholders. It comes with a very attractive rewards program as well to kick start your journey as a CBD Visa Platinum credit card holder. Given below are the complete details of the same. 

CBD Visa Platinum Credit Card
Cashback
  • Minimum Salary AED 8,000
  • Annual Fee  Free for Life
  • Cashback
  • Free for 1st year
  • Travel Discount
  • Special Discount

Minimum Income Required: AED 8000

Annual Fee of the Card: AED 0 

Minimum Age Limit: 21 years 

Reward Points Offered with CBD Visa Platinum Credit Card 

  • 20,000 CBD credit cards reward points are awarded as a welcome bonus when you first get this Commercial Bank of Dubai rewards credit card. The users are required to spend at least AED 500 within the first billing cycle (30 days) in order to avail of the welcome bonus.
  • Earn 0.5 CBD credit cards reward points for every Dirham spent on domestic transactions on groceries, supermarkets, government spends, utility bills, fuel, insurance, restaurants and education. 
  • 1 CBD reward point on every Dirham spent on all other kinds of domestic transactions. 
  • Earn 0.75 CBD credit cards reward points for every AED spent on International transactions on groceries, supermarkets, government spends, utility bills, fuel, insurance, restaurants and education.
  • 1.5 CBD credit cards reward points for one Dirham spent on all other types of international transactions. 

Key Additional Features and Benefits of CBD Visa Platinum Credit Card 

  • Get the CBD Visa Platinum credit card for free for first year. Enjoy free supplementary cards for your family members older than 15 years of age as well. 
  • 10% back as credit on your Careem bike rentals with this Commercial Bank of Dubai rewards credit card. 
  • Get one VOX cinema ticket free when you buy one using this Commercial Bank of Dubai rewards credit card via the VOX cinema mobile application. Valid on 5 movie tickets every month. 
  • Enjoy a 15% discount on Emaar Entertainment products such as Dig It Dubai and VR Park of Dubai. 
  • Fins additional dining, entertainment and travel and hospitality value-added benefits from Visa with this Commercial Bank of Dubai rewards credit card.  

CBD Titanium MasterCard Credit Card

The Commercial Bank of Dubai Titanium Mastercard is the perfect budget credit card for everyday use. With the lowest minimum salary requirements of all, this Commercial Bank of Dubai rewards credit card can be taken by anyone earning a monthly salary of AED 5000 or more. Value-added benefits are the additional treat you get with this Commercial Bank of Dubai rewards credit card apart from the reward system. 

CBD Titanium MasterCard Credit Card
Cashback
  • Minimum Salary AED 10,000
  • Annual Fee Free for Free
  • Cashback
  • Free for Life
  • Airport Lounge Access
  • Movie Discounts

Minimum Income Required: AED 5000

Annual Fee of the Card: AED 0 

Minimum Age Limit: 21 years 

Reward Points Offered with CBD Titanium Mastercard Credit Card 

  • 20,000 CBD credit cards reward points are awarded as a welcome bonus when you first get this Commercial Bank of Dubai rewards credit card. The users are required to spend at least AED 500 using the CBD Titanium Mastercard in the first billing cycle to get this benefit.
  • Earn 0.75 CBD credit cards reward points for every AED spent on International transactions on groceries, supermarkets, government spends, utility bills, fuel, insurance, restaurants and education.
  • 1.5 CBD credit cards reward points for one Dirham spent on all other types of international transactions. 
  • Earn 0.5 CBD credit cards reward points for every Dirham spent on domestic transactions on groceries, supermarkets, government spends, utility bills, fuel, insurance, restaurants and education. 
  • 1 CBD reward point on every Dirham spent on all other kinds of domestic transactions. 

Key Additional Features and Benefits of CBD Titanium Mastercard Credit Card 

  • Up to 10% discounts on online bookings with Rentalcars.com. 
  • 10% cashback on your purchases done at bookings.com.
  • Free access to over 10 lounges located in UAE, Kuwait, KSA, Jordan and Egypt. 
  • 2 for 1 Mastercard offer on dining with this Commercial Bank of Dubai rewards credit card. 
  • Free for life primary card and free supplementary card for your family members older than 15 years of age. 

CBD Business Visa Signature Credit Card 

This is the only business credit card offered by the Commercial Bank of Dubai and it also comes with reward benefits. Value-added benefits like valet parking, lounge access, and travel insurance are combined with features like a longer interest-free period, cash advance and revolving credit to make it the ideal reward point credit card for your business. Given below are all the top value-added features and reward benefits of this Commercial Bank of Dubai rewards credit card.

Minimum Average Bank Account Balance Required: AED 25,000

Annual Fee of the Card: AED 0

Minimum Age Required: 25 years 

Reward Points Offered with CBD Business Visa Signature Credit Card 

  • Get 20,000 CBD credit cards reward points as a welcome gift with this Commercial Bank of Dubai rewards credit card. The required minimum spending in the first billing cycle gets a welcome bonus of AED 500. 
  • 0.75 CBD credit cards reward points are given on every Dirham spent on international and domestic transactions on groceries, supermarkets, government spends, utility bills, fuel, insurance, restaurants and education.
  • 1.5 CBD credit cards reward points for one Dirham spent on all other kinds of international purchases and spends. 
  • 1 CBD credit cards reward point on every AED spent on all other types of domestic purchases and spends. 

Key Additional Features and Benefits of CBD Business Visa Signature Credit Card 

  • Complimentary valet parking twice every month in 30 different locations in the UAE. 
  • Free lounge access to over one thousand airports across the world using your Commercial Bank of Dubai rewards credit card. 
  • Get half on your VOX cinema tickets twice per month for 2D movies. Applicable across the UAE.
  • A cash advance for up to 50% of the total limit of your credit card. 
  • Complimentary travel insurance for all Commercial Bank of Dubai rewards credit cards.

Eligibility Criteria for Commercial Bank of Dubai Reward Credit Cards

Given below are all the conditions you need to meet in order to get a Commercial Bank of Dubai rewards credit card:

  • Any UAE national aged from 21 years to 65 years.
  • Any UAE resident aged between 21 years to 63 years. 
  • The turnover of self-employed applicants must be at least 5 times more than the credit limit of the card they want to get. 
  • Minimum salary requirement for salaried employees: 
  • CBD World Mastercard Credit Card: AED 25,000
  • CBD Visa Signature Credit Card: AED 12,000
  • CBD Visa Infinite Credit Card: AED 20,000
  • CBD Visa Platinum Credit Card: AED 8,000
  • CBD Titanium Mastercard Credit Car: AED 5,000
  • CBD Business Visa Signature Credit Card requires the business to have a minimum average account balance of AED 25,000.

Documents Required for Commercial Bank of Dubai Rewards Credit Cards

  • Valid Emirates ID
  • Passport of the applicant, for UAE residents only
  • Visa page showcasing residency status, for UAE residents only 
  • National ID for UAE citizens 
  • Salary certificate, for salaried employees
  • Trade license for self-employed applicants

How to Apply for Commercial Bank of Dubai Rewards Credit Cards

  • Via the Net Banking Portal: Visit the Commercial Bank of Dubai net banking portal and log in with the credentials you received when you opened an account with CBD. Go to the cards section and move to credit cards. Choose the Commercial Bank of Dubai rewards credit card you want and proceed with the application. Fill out the application form and submit it. Once you have received the confirmation, proceed with the documentation part of the application process and make final submissions. Once you get your Commercial Bank of Dubai rewards credit card, you can use the net banking space to manage the transactions and payments as well. 
  • Via CBD Mobile Banking: Existing Commercial Bank of Dubai customers can also use the CBD mobile banking application to apply for their Commercial Bank of Dubai rewards credit card. Log in using your user ID and pin/password. Open the credit card section from the menu tray. Choose your card and fill out the application. Once again, you can use the mobile banking application to manage all your cards including the new credit card. The application is available on both Apple App Store and Google Play Store. 
  • Via CBD Website: For new CBD customers, the Commercial Bank of Dubai rewards card application can be sent using the online website of CBD. Simply visit the website, open the page dedicated to the credit card you want to buy and get started with the application form. Submit the form and one of the bank representatives will contact you to take the process further. 
  • CBD Branches: If you prefer completing your finance-related tasks in person, visit one of the Commercial Bank of Dubai branches to apply for the CBD rewards credit card. Make sure that you carry all the required documents with you in physical form. A few photocopies of the same may also be required. Be prepared with the needful when applying for a credit card offline. One of the concerned representatives from the bank will guide you through the application process when you reach the branch office. 
  • Via Policybazaar UAE: The simplest way to apply for your Commercial Bank of Dubai rewards credit is via the Policybazaar UAE website. Simply choose your credit, click on it, fill the application form and upload the documents. And you are done. You will receive your new CBD credit card once the application is processed. If you want to take some time to select the credit card you need, use the Policybazaar UAE comparison platform to easily compare different cards and find your ideal one. 

How to Pay Off Commercial Bank of Dubai Rewards Credit Cards?

  • CBD Mobile Banking App and Net Banking: Go to the credit card management section in your CBD mobile banking app or the net banking portal. Select the amount that you want to pay and make payments directly by transferring funds from the linked account. Fund transfer from a CBD account is free while a small transfer fee may apply on transfers from non-CBD bank accounts. 
  • CBD Branches: Visit the nearest Commercial Bank of Dubai branch and make your payments directly in person. Simply visit the dedicated counter and make a deposit to pay for your CBD credit card. 
  • Cheque or Cash Deposits: Your Commercial Bank of Dubai rewards card can also be paid off via cash and cheque deposit machines. Fin a CDM and deposit your cheque or cash there to make the payment.  
  • Exchange Houses: Use the UAE Fund Transfer System to make your Commercial Bank of Dubai credit card payments from one of the exchange houses of the UAE. Find an exchange house that supports CBD payments and fund transfers. Extend a fund transfer there to pay off your credit card bill. 

Fees & Charges of Commercial Bank of Dubai Rewards Credit Cards 

CBD Rewards Points Credit Cards

Annual Fee

Interest Rate

Cash Advance Fee

No AED Transaction Fee

CBD World Mastercard Credit Card

AED 787.50

3.45%

3% or AED 105+VAT

 

Whichever one is higher

2.75% + VAT

CBD Visa Signature Credit Card

AED 525

CBD Visa Infinite Credit Card

AED 787.50

CBD Visa Platinum Credit Card

Free for Life

CBD Titanium Mastercard Credit Card

Free for Life

CBD Business Visa Signature Credit Card 

Free for Life

2.99%

3% or AED 100

 

Whichever one is higher

-

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CBD Rewards Points Credit Cards Overview

CBD Rewards Points Credit Cards 

CBD Reward Points Overview

CBD World Mastercard Credit Card

  • Welcome Reward Points: 40,000 reward points
  • Domestic Spends: Up to 2 reward points
  • International Spends: Up to 2.5 reward points 

CBD Visa Signature Credit Card

  • Welcome Reward Points: 30,000 reward points 
  • Domestic Spends: Up to 1.5 reward points 
  • International Spends: Up to 2 reward points 

CBD Visa Infinite Credit Card

  • Welcome Reward Points: 60,000 reward points 
  • Domestic Spends: Up to 2.5 reward points 
  • International Spends: Up to 3 reward points

CBD Visa Platinum Credit Card

  • Welcome Reward Points: 20,000 reward points 
  • Domestic Spends: Up to 1 reward point 
  • International Spends: Up to 1.5 reward points

CBD Titanium Mastercard Credit Card

CBD Business Visa Signature Credit Card 

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FAQs on CBD Rewards Points Credit Cards

What are CBD reward points?

A type of loyalty program, CBD credit cards reward points are a reward that customers receive for using the Commercial Bank of Dubai reward credit cards. The reward points can be used to further shop or make transactions after the users redeem them. Depending on the card, rewards points may have an expiration date.

How can I use my CBD credit cards reward points?

CBD credit cards reward points can be used to make any kind of transaction whether they are related to retail shopping or bill payments. From hotel bookings to airline tickets, dining and shopping, CBD reward points can be redeemed anywhere you see fit.

Where can I access my earned CBD reward points?

Log in to CBD mobile application and go to the rewards portal by going to the ‘Rewards’ section. You can check and access your CBD reward points here easily.

Will my CBD reward points expire? If yes, then what is the validity span?

CBD credit cards reward points are valid for up to 2 years counting from the date earned.

How many CBD reward points do I need to collect before redeeming the lot?

A minimum of 10,000 reward points should be collected and redeemed as a bunch. Anything less than that cannot be redeemed.

What is the annual fee applicable on Commercial Bank of Dubai reward credit cards?

The annual fee applicable on the Commercial Bank of Dubai rewards card may differ as per the card in concern. Some cards are free for life while others come with an annual fee of up to AED 790.

Am I allowed to withdraw cash using my Commercial Bank of Dubai reward credit card?

Yes, ATM withdrawals are allowed using your Commercial Bank of Dubai rewards cards. However, a small ATM withdrawal fee may apply.

Is mobile banking available for the Commercial Bank of Dubai new customers?

Mobile banking applications can only be accessed if you have a customer login ID and password which is only allotted to the existing customers. You can get your ID when you receive your new Commercial Bank of Dubai rewards card if you already do not have an account with the bank. Then only you can use the mobile banking app services.

What is the minimum income required to get a Commercial Bank of Dubai rewards card?

The minimum required for each CBD rewards credit card differs. It ranges from AED 5000 to AED 30,000.

Do I need to be an existing customer of Commercial Bank of Dubai to get a reward point credit card?

No, both new and existing customers can get Commercial Bank of Dubai rewards cards.

Can I obtain multiple credit cards from the Commercial Bank of Dubai?

Yes, you can easily get multiple Commercial Bank of Dubai rewards credit cards if the bank approves your applications.