CBD VISA Infinite Credit Card

Credit cards use has become very common across the world. From a minor purchase to a bigger transaction, everyone is ditching the paper currency and making use of credit cards to ease their worry of being robbed. Credit cards not only leave you tension-free of theft and robbery of cash but also offer numerous benefits and rewards.

Credit cards are one of the lifestyle necessities for the UAE people too. With a growth in the use of credit cards and of course, healthy competition, various banks are offering bundles of benefits with each credit card for certain purposes.

The plastic money in the form of credit cards is not only popular among the USE residents, but the expats as well. The lure of these cards, especially in the United Arab Emirates, is really high as a lot of expats who move in the country are tempted by their flashy lifestyle and the accompanying trapping.

With more than 200 variants of credit card offers, choosing the best can be a tedious task. To ease this difficulty, Commercial Bank of Dubai offers VISA Infinite Credit Card. This VISA Infinite card comes with various benefits and rewards and has certain obligations to be filled.

About Commercial Bank of Dubai:

Commercial Bank of Dubai, also known as CBD, is the bank that leads the way to social prosperity and financial freedom. Over the decades, the bank has changed into liberal and modern banking institution.  CBD is backed by a strong and robust financial base, which is led by a stable and sturdy management system, as proven by their clientele. Currently, the bank offers a wide range of banking and financial services to aid its consumers build, manage, and grow their financial corpses.

Key highlights of CBD VISA Infinite Credit Card:

The main highlights of CBD VISA Infinite Credit Card are as follows:

  • Airport lounge access
  • Attijari Reward Points
  • Travel Insurance
  • Purchase protection
  • Forex rate is 2.5%
  • No yearly fee

CBD VISA Infinite Card at a Glance:

Minimum Salary Annual Fee Rate of Interest Salary Transfer Cashback Balance Transfer
AED 20,000 No 3.29% per month No Yes Yes


Why choose CBD VISA Infinite Credit Card?

A person can have the reasons mentioned below to buy CBD VISA Infinite Card:

  • Free forever
  • Chip & Pin protection against fraud
  • Free purchase protection
  • Extended warranty
  • Free travel medical insurance

Key Features of Commercial Bank of Dubai VISA Infinite Credit Card:

CBD VISA Infinite Credit Card comes with some exclusive and attractive privileges to its affluent cardholders together with some power-packed features. Below are some of the exclusive features of Commercial Bank of Dubai VISA Infinite Card:

Financial Features:

The financial features of CBD VISA Infinite Credit Card include:

  • VISA Infinite Credit Card has no yearly fee for the 1st year on primary card. CBD offers free supplementary card for a member of family who has attained an age of more than 15 years.
  • The rate of interest starts from 3.29% monthly.
  • CBD Rewards Program – The card members can earn reward points for each Dirham they spent.

Purchase Protection:

This protection offers the card members with additional tranquillity every time they spend using CBD VISA Infinite Credit Card. This protects the cardholders against the accidental damage and theft of the purchased articles, so they can simply focus on the perfect buy.

Extended Warranty:

The extended warranty sums up the real value to the VISA Infinite Card of the cardholders. The period of repair of the warranty for up to a year by the actual card members against the cost of replacement and repair of the articles is doubled. The card users must make the full payment of the purchased article using their VISA Infinite Card.

Fraudulent Card Misuse Protection:

CBD VISA Infinite Credit Cards are safeguarded against the fraudulent use or unauthorised transactions of the card by unrelated third parties. The cardholders can avail a reimbursement up to US$ 3,000 per occurrence with US$ 5,000 yearly aggregate limit via this insurance benefits. This insurance coverage is applicable to unauthorised charges due to theft or loss of the card.

Complementary Airport Lounge Access:

CBD VISA Infinite Credit Card members have complementary access to more than 1000 airport lounges across the world. The card users can avail this access through LoungeKey.

Convenience:

CBD VISA Infinite Card is equipped with Chip & Pin protection that gives its cardholders to pay bills, get cash in safe and secure manner, and make purchases.

Core Benefits of Commercial Bank of Dubai VISA Infinite Credit Card:

Apart from the aforementioned salient features of the Commercial Bank of Dubai - VISA Infinite Credit Card, there are some of the core benefits that can be availed by the card members. They are as follows:

Lifestyle Benefits:

CBD VISA Infinite Credit Card members can have complementary access to the facilities mentioned below:

  • Squash courts
  • Tennis courts
  • Lazy river
  • Main pool
  • Relaxation area (steam room, Jacuzzi, sauna)
  • Dedicated ladies gym
  • Pharaohs Club mixed gym

The cardholders get discounts in the below-mentioned Pyramid facilities:

  • 20% discount at the Pyramid Restaurants (excluding promotions)
  • 30% discount on all Spa treatments at Cleopatra
  • Group classes @ member rates
  • Personal training @ member rates
  • Tennis @ member rates
  • Aerobics @ member rates

Entertainment Benefits:

  • 50% discount on 4 tickets per month for VOX Cinema across the region.
  • In order to avail the VOX discount, Valtran facility, and Pharaoh’s club, the cardholders should have at least a monthly retail spend of AED 5,000 on the CBD VISA Infinite Credit Card. If this purchase during the month does not exceed AED 5,000, the card account of the member will be charged @:
  • For Pharaoh’s Club: AED 160
  • For Valtrans and VOX cinema: At actual

VISA Benefits:

With effect from January 1, 3019, the card members are enjoying the highest of 12 complimentary visits in one calendar year at more than 1000 airport lounges across the globe for the card member and 1 guest. This entitlement works as below:

  • First and second visits are complimentary
  • Guest visits (except the cardholder) are charged @ USD 27 per individual per visit directly to CBD VISA Infinite Card of the card members.
  • Multi-trip travel insurance for the cardholders and their family.
  • For the rest of the 10 complimentary visits every calendar year, the least international purchase of USD 1 is needed in that calendar year.

Convenience:

CBD VISA Infinite Credit Card has Chip & Pin feature that gives the convenience to get cash, pay bills and make purchases in a safe and secure way.

Eligibility Criteria to apply for Commercial Bank of Dubai- VISA Infinite Credit Card:

Here are some vital parameters that are to be met while applying for CBD VISA Infinite Card:

For UAE Nationals:

The applicant must fall between the age of 21 years and 65 years at the expiry date of the card.

For UAE Resident:

The applicant must be between the age group of 21 years and 60 years at the expiry date of the card.

For Salaried Individuals:

The applicant must be a confirmed employee with a minimum salary of AED 20,000

Commercial Bank of Dubai VISA Infinite Credit Card Fees and Charges:

 

Fees and Charges
Primary Annual Fee (First Year) Free for the first year
Primary Annual Fee (Second year onwards) AED 750
Retail Rate of Interest 3.29% monthly1.5% only for Private Banks
Cash Advance Interest Rate (from the transaction date) 3.49% monthly
Cash Advance Limit 50% of the limit of the credit card
Cash Advance Fees for Transaction AED 300 or 3% (whichever is higher)
Supplementary Cards Annual Fees Free
Late Payment AED 209
Replacement for Lost/Stolen Card AED 75
Over Limit AED 209
Fees for the International Transactions (in Foreign Currencies and AED) 2%**
Liability Letter Issuance AED 50
Fee for Transaction Copy Request AED 25

**This fee is imposed for the transactions done in foreign currencies or AED at the merchant establishments, which includes e-commerce and physical merchants who are residents outside the UAE. This fee is levied along with the standard processing charges imposed by Visa International and MasterCard Worldwide.

How to apply for CBD VISA Infinite Credit Card?

The applicant of CBD VISA Infinite Credit Card has to follow the steps below so as to apply for VISA Infinite card:

Step 1: The applicant has to visit the official portal of the Commercial Bank of Dubai

https://www.cbd.ae/personal/bank/cards

Step 2: Hit ‘How to apply’ button on the right side of the main page.

Step 3: The website redirects the applicant to a fresh page wherein, claimant has to enter the necessary details in the application form. This form consist of various fields including the personal details namely, the date of birth, name, email id, and mobile number, the applicant’s employment details along with the product details that the individual is applying for.

Step 4: Hit the ‘Review my application’ button and submit the duly filled form.

Step 5: The Bank’s officials will get in touch with the applicant shortly.

How to activate the CBD VISA Infinite Card and secure it?

Before using the CBD VISA Infinite Credit Card, the card members will have to activate it and also secure it in order to avoid any fraudulent practices. Here’s how the cardholders can activate their VISA infinite credit card:

Commercial Bank of Dubai Online Banking

The card members can login to CBD online banking. Follow the further instructions so as to activate their card. They have to register first before they activate their VISA infinite card. The card members can click on the link to register online:

Via SMS

The card members have to send a message CACT<space>last 4 digits of the card number <space>4 digits clear PIN to 4266 from their registered mobile number with the Commercial Bank of Dubai. The cardholders must note that this will be in effect on the next working day.

Phone

The card members can call on the CBD’s customer care service centre by dialing 600575556 and choose 4th options after the selection of language. The cardholders will require Telephone Identification Number (TIN) also.

CBD VISA Infinite Credit Card Payment Options:

Paying off the due amount of CBD VISA Infinite Credit Card has now become quick, easy and convenient. The cardholders have different ways to pay-off their VISA Infinite card balance. They are discussed as below:

CBD Internet and Mobile Banking:

If the card members hold a bank account with CBD, then it becomes easy to make the payment from their respective bank account.

CBD Branches:

The card members can pay-off the due amount by visiting the any of the branches of CBD in the UAE.

(https://www.cbd.ae/general/branch-atm-locator).

CBD Phone Banking:

The cardholders can also call on the toll-free number 600575556 of the bank to pay via the Interactive Voice Response System (IVR).

Facebook Branch:

The card users can make the payment of the due balance towards VISA Infinite Credit Card the Facebook Branches of Commercial Bank of Dubai.

(For more details, visit the official portal of the bank).

Al Ansari Exchange:

Another mode of paying-off the balance is Al Ansari Exchange branches. The card users have to visit these branches and pay their card bill. This mode will levy a fee of AED 5 on each transaction.

Cheque Deposit Machines (CDMs):

The cardholder can also deposit a cheque to pay-off their CBD VISA Infinite Credit Card balance by making use of cheque deposit machines. The card number and the mobile number of the card member must be mentioned behind the cheque.

Redha Al Ansari Exchange:

Redha Al Ansari Exchange is another easy and quick mode to pay-off the card balance. The card members can pay cash to clear-off their balance. Nevertheless, they cannot exceed the limit as the limit is AED 15,000

How to ensure PIN security for CBD VISA Infinite Card?

The PIN must comprise of 4 digits using number between 0 and 9. The cardholders can select a part of their mobile number, or their own birthday, or something that is easy to remember.

Here’s how the card members can create their own credit card PIN:

CBD online banking

The card members have to login to CBD online banking. They have to follow the given instructions so as to =create the new PIN.

SMS

The cardholders have to send a SMS writing CPIN<space>last 4 digits of the card number<space>4 digit clear PIN to 4266 from their registered mobile number with the bank.

ATM

The cardholders can visit any of the nearest ATM of CBD and choose ‘PIN services.’

Phone

The card users can also call the customer service on 600575556. They will have to follow the instructions after selecting the appropriate language. The cardholders have to make sure that they know the PIN, which is needed with every call made by the user.

FAQ's:

Q2. How can I safeguard my card from any misuse?

A2. You must ensure to add a secure PIN number, which is not easy to guess. A few simple PIN numbers can be 1234, 0000, or your birth date, etc. You must choose a set of difficult digit that only you can remember. Also, keep on changing your PIN from time to time.

Q2. What should I do if I lose my card or my card gets stolen?

A2. If you happen to lose your CBD VISA Infinite Credit Card, you have to call on 600 575 556 or contact the nearest branch of CBD right away. The officials from the bank will block your credit card. Also, the replacement of the card will also be initiated.