CBD Smiles Visa Platinum Credit Card

The CBD Smiles Visa Platinum Credit Card is one of the exclusive credit cards in the UAE that allows its cardholder to step into a world of Smiles with its loyalty program called ‘smiles UAE.’ Under this reward program, the card member is rewarded for purchases made using the CBD Smiles Visa Platinum credit card. Additionally, the cardholder is offered a welcome bonus in the form of Smile points upon signing up for the card. Other than that, members of this card can enjoy a wide range of travel and lifestyle benefits.

Features and Benefits of CBD Smiles Visa Platinum Credit CardCBD Smiles VISA Platinum Credit Card

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Here is a detailed view of the distinguishing features and benefits of the CBD Smiles Visa Platinum Credit card:

Lifestyle Benefits

The cardholder can take advantage of the exclusive lifestyle perks offered by the CBD Smiles Visa Platinum credit card.

Extended Warranty

The member of the CBD Smiles Visa Platinum Credit Card does not have worry about the lifetime of their products anymore as CBD doubles the repair period offered by the original manufacturer for up to 1 year.

Purchase Protection

The card member no longer has to take stress while making a big purchase. If he/she makes a purchase with CBD Smiles Visa Platinum Credit Card at a partner retailer, the purchase is covered against any theft or damage to the purchase.

Rewards and Offers on CBD Smiles Visa Platinum Credit Card

Below is the list of best rewards and offers on the CBD Smiles Visa Platinum credit card:

Welcome Bonus

When the card member applies for this CBD Smiles Visa Platinum credit card, upon approval, he/she is entitled to earn a sign-up bonus of 10,000 Smiles points.

Quarterly Bonus

The existing card member is entitled to a quarterly bonus of 7,500 Smiles points. The condition for earning this bonus is that the member shall achieve a minimum spending target of US$7,500 or equivalent AED.

Smile Points- Reward Program

The cardholders are automatically enrolled into the reward program where they can earn Smiles Points on every AED spent against this card. The following points are earned on different spending categories:

  • 5 Smiles Points are earned for Etisalat spends or through the mobile app of Smiles UAE.
  • Up to 1.5 Smiles points are earned on local spends.
  • Up to 2 Smiles points are earned on foreign spends.

Please note that these Smile points can be easily redeemed using the Smiles UAE app across different categories, namely:

  • Electronics
  • Bill payments
  • Dining
  • Travel
  • Shopping
  • Entertainment

Cinema Tickets

The members of this CBD Smiles Visa Platinum credit card can enjoy a day out at the cinema with 50% off on movie tickets purchased at VOX Cinema.

BOGO Offers

The cardholders are entitled to buy 1 get 1 free offers & discounts of a maximum of 25% across more than 500 lifestyle and dining merchants.

Entertainment Offers

Member of the CBD Smiles Visa Platinum Credit Card can avail a discount of 15% at Emaar entertainment such as Kidzania, EKart, VR theme Park, and Dig It Dubai. 

Travel Discounts

The following are the travel discounts offered to a CBD Smiles Visa Platinum credit cardholder:

  • 12% discount on Agoda’s official website.
  • 8% on hotels.com’s official website.

Meet and Assist Discounts

With the YQ Meet and Assist, the cardholder can avail of a discount worth 30%.

Limited-Time Special Offers

The special limited-time offers for the card members are as follows:

  • Free unlimited BOGO (Buy One Get One) offers for a period 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.

Eligibility Criteria to apply for CBD Smiles Visa Platinum Credit Card

Here are the eligibility criteria for the CBD Smiles Visa Platinum credit card:

  • The applicant must be a UAE National with a minimum age of 21 years and a maximum age of 65 years (at the date of card expiry) or a UAE resident with a minimum age of 21 years and maximum age of 63 years (at the date of card issuance).
  • The applicant must be a salaried individual and must be a confirmed employee with a minimum salary of AED 5,000.

Documents Required to apply for CBD Smiles Visa Platinum Credit Card

The following documents are required in order to apply for this CBD credit card:

If the applicant is Salaried

  • National ID or a valid passport, Emirates ID and residence visa.
  • Salary certificate.

If the applicant is self-employed

  • National ID or a valid passport, Emirates ID and residence visa.
  • Valid trade license.

Fees & Charges for CBD Smiles Visa Platinum Credit Card

The table below details the applicable fee and charges for this CBD credit card:

Fees & Charges Amount

Annual Membership Fee

AED 366.45 (1st year Free)

Annual Membership fee of Supplementary card

Free for life

Retail Interest Rate

3.45% monthly

1.5% (for CBD Private Banking Customers Only)

Late Payment Charges

AED 241.50

Replacement for Lost/Stolen Card

AED 78.75

Over Limit Charges

AED 288.75

Cash Advance Interest Rate

3.49% monthly

Cash Advance Charges

AED 105 or 3% (whichever is greater)

International Transaction Charges (in other currencies)

2.75% (VAT is applicable)

International Transaction Charges (in AED) 

2.75% (VAT is applicable)

Credit Shield Insurance

1% monthly on the total outstanding balance

Liability Letter Issuance

AED 52.50

Sales Slip Copy

AED 26.25

(Updated as on September 28, 2020)

Frequently Asked Questions on CBD Smiles Visa Platinum Credit Card

Q1: What is the CBD Smiles Credit Card?

Ans: The CBD Smiles card is a card that is offered by the partnership of CBD and Etisalat. It is available in two variants namely, CBD Smiles Visa Platinum Credit Card and CBD Smiles Signature Credit Card.

Q2: Can I get the CBD Smiles Visa Platinum Credit Card without the membership fee?

Ans: The membership fee charged on your Smiles Platinum card cannot be reversed or waived off. The CBD Smiles Visa Platinum Credit Card is offered with the first year being free, and the membership fee is applicable from the second year onwards.

Q3: How can I apply for the CBD Smiles Visa Platinum Credit Card?

Ans: You can apply for the CBD Smiles Visa Platinum Credit Card easily by calling the helpline number + 971 600 575 556 or through the bank’s official website.

Q4: What is ‘Smiles’?

Ans: Smiles or Smiles UAE is a loyalty program operated and owned by Etisalat. This allows those residing in UAE to enroll in the loyalty program and earn points for purchases or payments of services of Etisalat or for purchases at partner stores and also for everyday spends on the CBD Smiles Visa Platinum Credit Card. These points later can be redeemed for payment of bills of Etisalat and at more than 1000s brands or stores across various categories such as dining, shopping, entertainment, etc.

Q5: Is there any fee and charges for the Smiles program?

Ans: The enrollment in this loyalty program is free of cost, there is no enrollment fee charged or any other charges applicable.

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