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The VISA Platinum Credit Card offered by the Commercial Bank of Dubai is a card, which offers its card members the wide range of benefits ranging from lower rates of interest to the exclusive lifestyle perks. In addition to this, this credit card enables its card members to enjoy the access to pay utility bills, make online purchases, or daily shopping offers. Available to both citizens of UAE as well as the expatriates, this card intends to enhance the lifestyle of its cardholders by increasing the purchasing power.
Features & Benefits of CBD VISA Platinum Credit Card
Below is the list of some salient features and benefits of the CBD VISA Platinum Credit Card:
No Annual Membership Fee
CBD VISA Platinum credit card is free for life, which means there is no annual membership fee charged on this card ever.
Supplementary Card
CBD offers a free supplementary CBD VISA Platinum credit card for family members who are aged above 15 years.
Interest Rate
The rate of interest starts from 3.45% per month.
Visa Benefits
VISA offers a wide range of travel, wellness, dining, and hospitality benefits on the platinum avenue.
Convenience and 24x7 Assistance
CBD Visa Platinum Credit Card members are offered 24 hours assistance through the contact centre (600 575 556) of the bank.
Security
CBD VISA Platinum Credit Card is equipped with a Chip & Pin feature that gives convenience to its card members to make the transactions or purchases, get cash in a more secure way, and pay bills.
Purchase Protection
This feature offers the card holders with add-on peace of mind every time they make purchases using CBD VISA Platinum Credit Card. This feature safeguards the card member against accidental damage or a theft of the items purchased by the cardholder using this CBD credit card.
Travel Insurance
Visa Platinum Credit Card by Commercial Bank of Dubai offers free travel medical insurance. This means that the card holder can get travel and medical assistance free of cost.
CBD VISA Platinum Credit Card Rewards & Offers
Members of this CBD credit card can avail the following rewards and offers:
CBD Reward Points
Cardholders are entitled to the reward program where they can earn CBD reward points for every AED spent against the card. Then, they can redeem the accumulated reward points against electronic goods, cashback, restaurant vouchers, Etihad Guest Miles, Emirates Skywards Miles, hotel booking, flight tickets, gift vouchers, and much more.
VOX Cinema Offers
CBD VISA Platinum credit card members can avail special discounts at VOX Cinemas in the UAE. The card member has to purchase the movie tickets online through the official website of VOX cinema and select VISA offer to avail 50% discount, which is applicable only to Sunday shows, for a maximum of 4 movie tickets per bookings and 10 movie tickets monthly.
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.
CBD VISA Platinum Credit Card Fees and Charges
The table below details the applicable fees and charges for this CBD credit card:
Fees & Charges
Amount
Annual Membership Fee
Free for Life
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 October 5, 2020)
FAQ's on CBD VISA Platinum Credit Card
Q1: How can I claim my reward points if I want to close my credit card?
Ans: You should redeem your earned points before you close your credit card. Once the request for redemption is completed, you can close your card. Otherwise, you will have to redeem your points to Etihad or Emirates.
Q2: Can CBD rewards Points be transferred to any other customer’s Reward Points' account?
Ans: No. The CBD reward points are non-transferrable.
Q3: How can I change or reset my CBD Chip & Pin credit card PIN?
Ans: Select the avenue that best suits you so as to reset or change the PIN:
Call:Call the bank on their toll-free number 600 575 556 and choose option 4 to activate and select a PIN.
SMS: Type CPIN<space><last 4 digits of the card number><space>4 digit new PIN from the primary mobile number that is registered with the bank.
Online:Visit the Accounts page and choose CBD VISA Platinum Credit Card. Enter your PIN and confirm it. Hit the ‘Continue’ button for One Time Password (OTP) – which will be sent to the registered mobile number.
Q4: How do I protect against any wrong use of my CBD VISA Platinum Credit Card?
Ans: For the precautionary reasons, you must avoid choosing a PIN that can be easily guessed. You must not use 1234, 4 zeroes, or date of birth as a PIN. You can use a different PIN for every card you use.
Q5: What should I do in case of a lost or stolen card?
Ans: In case of lost or stolen card, you just have to get in touch with the CBD’s nearest branch or call on 600 575 556 right away. The bank officials will block your card. Moreover, the bank will initiate the replacement of the card.
