CBD World MasterCard Credit Card

Over the past few decades, credit cards have become quite popular in the United Arab Emirates. The reason why a large population including the residents and expats in the UAE choose credit cards is the lucrative rewards and benefits they offer. As the needs and requirements vary from applicant to applicant, the bank offers different types of credit cards catering to the distinctive needs of such applicants. Consequently, the usage of credit cards has seen remarkable growth over a period of a few years.

With varied choices, a few applicants tend to get muddled. The key to choose the best credit cards is to know one’s credit card expectations. This will help find the card, which fulfils the applicant’s need for credit card.

Keeping this in mind, Commercial Bank of Dubai – one of the leading banks of the United Arab Emirates (UAE), brings CBD World MasterCard catering to the needs of the residents of UAE.

About Commercial Bank of Dubai:

Commercial Bank of Dubai (CBD) laid its foundation stone in the year 1969. CBD is one of the leading banks in the United Arab Emirates. The bank offers a wide range of commercial and retail products and services. The bank has transformed into an amplifying and modern financial institution. Commercial Bank of Dubai has a sturdy economic base with strong, stable and steady management.

The bank provides a wide variety of commercial financial services in order to aid its valued customers to manage and build their financial corpses. The CBD Bank has a huge network of 26 branches and over 210 ATM machines across the United Arab Emirates (UAE). Recently, the Commercial Bank of Dubai was awarded the ‘Most Innovative Digital Bank Award’ at the International Finance Magazine (IFM) Awards 2018.

About Commercial Bank of Dubai - World MasterCard:

World MasterCard by the Commercial Bank of Dubai offers Lifestyle benefits, Airport Lounge Access, Attijari Reward Points, and much more. CBD World Mastercard ensures to open up a whole world of exciting privileges and exclusive experiences for the card members. This card is specially customized and designed for the most distinguished clientele.

Key Highlights of CBD World MasterCard:

The main highlights of World MasterCard by CBD are as follows:

  • Premium travel, lifestyle and luxury benefits.
  • Valet Parking
  • Attijari Cashback program
  • Free forever
  • Mastercard Benefits
  • Pharaoh’s Club
  • Multiple payment options
  • International concierge services
  • MasterCard Moment Privileges

CBD – World MasterCard at a Glance:

 

Minimum Salary

Annual Fee

Rate of Interest

Salary Transfer

Cashback

Balance Transfer

AED 40,000

No

3.29% per month

No

Yes

Yes

 

Salient Features of CBD World MasterCard:

World MasterCard from Commercial Bank of Dubai is loaded with various exclusive and ground-breaking features to ensure unlimited and immediate rewards for its cardholders. This credit card promises to open up a whole new world of innovative privileges and experiences for its card members. Here’s a rundown to some of the standout and distinguished features of CBD World Mastercard:

Financial Benefits:

  • The financial features of World Mastercard include:
  • This card has no annual fee for the first year. A free supplementary card is offered for the family (age over 15 years).
  • The rate of interest starts from 3.29 % per month.
  • Attijari Points Reward Program – The cardholders can earn up to 2.5 points for each dirham spent by them.

Extended Warranty:

The extended warranty feature of CBD World Mastercard is one of its kinds. The card comes with purchase protection and 1-year extended warranty.

Zero Liability Protection:

The cardholders can have peace of mind knowing about the zero liability protection feature of CBD World MasterCard. Any financial institution issuing the MasterCard will not hold the cardholders responsible for any ‘unauthorized transactions.’  As a Mastercard member, the zero liability applies to all the purchases made by the cardholder online, in the stores, over the phone, and ATM transactions.

Convenience with 24 hours Assistance:

The Commercial Bank of Dubai offers 24 hours assistance to its World MasterCard holders via the contact centres – 800 ALDANA (253262).

Security:

CBD World MasterCard has the power-packed additional security of the chip technology. There are microchips embedded in the card, which provides increased protection against any fraud. This also gives the card members the convenience to get cash in a more secure way, pay bills, and make purchases.

Key Benefits of CBD World Mastercard Credit Card:

World MasterCard Credit Card from the Commercial Bank of Dubai is a credit card designed for its distinguished customers with an ocean of benefits and rewards. The exclusive range of benefits offered by this card ensures utmost convenience and huge savings for its users in the region.

Here is a list of some of the pioneering and innovative benefits of CBD World Mastercard:

Pharaoh’s Wafi Club – Complimentary Access:

CBD World Mastercard members have complimentary access to the Pharaoh’s Wafi Club. They can enjoy complimentary access to the following services and facilities:

  • Main pool
  • Tennis Court
  • Dedicated ladies gym
  • Pharaoh’s Club mixed gym
  • Relaxation area (steam room, Jacuzzi, and sauna)
  • Lazy river
  • Squash Courts

The card members will get discounts on the Pyramid facilities mentioned below:

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

Valet Parking Benefits:

CBD World MasterCard members get four free valet parking per month. This offer is available at the following Valtrans locations across the United Arab Emirates as mentioned below:

Dubai: American Hospital, Wafi City, Ibn Battuta, Oasis Centre, City Walk 1, Mirdif City Centre, Dubai Courts, The Beach, Dubai International Airport (Terminal 1 and 3), Business Village, Mall of Emirates “Standard”, Dubai Airport Free Zone Authority, IMG World of Adventure, Dubai Healthcare City, Dubai Design District, City Centre Me’aisem, Deira City Centre, Dragon Mart 1 and 2.

  • Abu Dhabi: Dalma Mall, Yas Mall, Deerfield’s Mall, Marina Mall, Yas Water World, Warner Bros World, Ferrari World, Khalidiya Mall, Mushrif Mall.
  • Sharjah: Sharjah City Centre
  • Fujairah: Fujairah City Centre
  • Ajman: Ajman City Centre

It’s Movie Time with VOX and CBD World Mastercard:

CBD World Mastercard members can enjoy the latest movies at the VOX cinema across the UAE. The cardholders can avail 50% discounts on 4 movie tickets per month by making use of World Mastercard by CBD.

In order to avail this offer, the cardholders have to spend AED 5000 every month on their credit card. This offer cannot be availed at counter purchases of movie tickets.

MasterCard Benefits:

Along with the aforementioned benefits, CBD World MasterCard offers lifestyle, dining, wellness, and travel benefits. They are:

A world of Luxury Shopping with World MasterCard:

With CBD World Mastercard the cardholder can avail exclusive offers at Europe’s 9 shopping villages namely:

  • Wertheim Village – Frankfurt Village
  • Maasmechelen Village – Brussels, Belgium
  • La Vallee Village – Paris, France
  • Las Rozas Village – Madrid, Spain
  • La Roca Village – Barcelona Spain
  • Kildare Village – Dublin, Ireland
  • Ingolstadt Village – Munich, Germany
  • Fidenza Village – Milan, Italy
  • Bicester Village – London, UK

CBD World MasterCard holders can have access to:

  • 15% of discount on the shopping packages
  • 15% of discount on the Shopping Express
  • 15% of discount on chauffer drive experiences at the participating villages
  • VIP invitation
  • VIP lounges

Entertainment Benefits:

CBD World MasterCard member can have the front row seat and have access to other complimentary benefits at Dubai Opera. The following are the exclusive benefits:

  • Complimentary parking at the Opera
  • Complimentary refreshment
  • Complimentary show program
  • Complimentary memorabilia (if available)

This offer is applicable for World MasterCard credit cards issued by banks in Africa or the Middle East.

Travel Benefits:

World MasterCard from CBD offers the following travel benefits:

Airport Lounge Access:

CBD World MasterCard members have unlimited access to more than 550 airport lounges in over 400 cities across the world via Lounge Key.

Travel Medical Insurance:

Free travel insurance on the purchase of tickets using CBD World Mastercard is offered to the cardholders.

CBD World MasterCard Credit Card Eligibility Criteria:

The applicant must fulfil the following parameters so as to become CBD World MasterCard card member:

In the case of salaried individuals:

The applicant of CBD World MasterCard must be a confirmed employee with a minimum salary of AED 40,000.

In the case of UAE National:

The age of the applicant of CBD World MasterCard must have attained an age between 21 years and 65 years at the date of expiry of the credit card.

In the case of UAE Residents:

The age of the applicant, in case of UAE residents, must be between 21 years and  60 years of age at the date of expiry of the credit card.

Top reasons to choose CBD World MasterCard Credit Card:

Unlimited access to the airport, car rental discounts, all round discounts on hotel bookings, there are reasons galore to have CBD World MasterCard. Here are only a few top reasons why to have World Mastercard by CBD:

MyUS.com benefits:

CBD World Mastercard member gets the following benefits:

  • No charges for setup of the account
  • Free Premium Membership for two years
  • 30% discount on shipping for the first month following the registration
  • 20% discount on shipping for the remaining time of 2 years of membership

Travel Inconvenience Coverage:

  • Loss of baggage – cover up to USD 3,000
  • Cancellation of the trip – cover up to USD 7,500
  • Luggage Delay – cover up to USD 300
  • Trip Delay – cover up to USD 300
  • Trip curtailment – cover up to USD 7,500
  • Missed connection – cover up to USD 300

Travel Protection Cover:

  • Emergency Medical Evacuation and Remains Repatriation – cover up to USD 500,000
  • Personal Accidental Insurance – cover up to USD 500,000
  • Daily in-hospital Cash Benefits – cover up to USD 100 per day
  • Medical Emergency Expenses – cover up to USD 500,000

Hertz Rental Car Offers:

CBD World MasterCard members become eligible for Hertz Gold Plus Rewards Five Star Membership automatically with some special benefits and privileges like:

  • One car class upgrade at the participating locations
  • Fee waiver for the additional driver
  • The by-passing rental queue at various busiest airports of the world.
  • With Hertz Instant Return, the cardholder can get fastest returns
  • Up to 15% of discount at publicly available rates at the participating Hertz location across the globe.

Avis Car Rental Offers:

Whether cardholders are travelling with their families or on a business trip, they can avail exclusive benefits with Avis. The card members can also enjoy access to the following with World MasterCard from CBD:

  • Complimentary upgrade with each rental, across the globe.
  • Up to 25% discount on the next car rental
  • 10% discount on the Premium Chauffeur Drive Services

Discounted Limousine Rides with Careem:

The cardholders of CBD World Mastercard can book Limousine ride with Careem and have their own personal driver take them to their destination. The card members can choose the type of car that suits their taste, scheduled for later pickup or book instantly and enjoy the comfort of their ride. They can also enjoy:

  • 20% discount on three rides per month
  • The first ride is free (only for new Careem customers)

Serviced Apartment Benefits:

The card members can avail a discount of 15% on the extended stay at prime luxury serviced apartments that include:

  • Grosvenor House Dubai
  • More than 2500 one-fine-stay properties across Rome, Paris, Los Angeles, New York, and London.
  • More than 25 Oakwood properties across 8 locations in the Asia Pacific, which includes India, Thailand, Japan, and China.

CBD World MasterCard Credit Card Fees and Charges:

 

Primary Annual Fee (First Year)

No fees

Primary Annual Fee (Second year onwards)

AED 500

Retail Rate of Interest

3.29% monthly

1.5% 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.

CBD World MasterCard Credit Card Rewards:

CBD World MasterCard Credit Card members can earn up to 2.5 points for each Dirham spent by them. With Attijari Loyalty Reward Programme, earning reward points could not be easier. The reward points can be earned instantly with this programme. Moreover, the points earned by the card members will multiply each time they use their CBD World MasterCard or enhance the monthly average balance the accounts held by them. Attijari Loyalty Programme is just like a token of gratitude to CBD’s customers and this bank makes it easier and flexible for its users to use.

Top features of Attijari Loyalty Rewards Programme:

Manage Points:

The cardholders have access to redeem and manage the reward points by using the CBD Online Banking facility.

Free Enrollment:

CBD World MasterCard members automatically get an enrolment to this program and they do not have to pay any charges.

Redeem Points:

The cardholders of CBD World MasterCard can redeem their collected reward points for Skyward Miles, cashback and Etihad Miles.

Earn Points:

The card members of CBD’s World Mastercard can earn reward points with this card and all the purchases they make using World Mastercard.

How to earn points on CBD World Mastercard Credit Card?

The cardholders can earn reward points on CBD World Mastercard by not only using it on the purchases:

 

Type of Purchase

Points earned for every 1 AED spent

Government Spent

0.50 points

Retail Grocery Purchase

1 point

Other International Purchase

2.5 points

Other UAE Purchase

2 points

 

How can Points be redeemed on CBD World MasterCard Credit Card?

In case the card members wish to redeem reward points on the CBD World Mastercard, they will have to follow the below-mentioned steps:

Step 1: Go to the official website of the Commercial Bank of Dubai

Step 2: Click on the ‘Manage and Redeem your Points’ button on the Overview Page. Or the card user can make a call on 600 575 556.

Step 3: The cardholders can pick any one option out of the three – Etihad Guest Miles in the rate of 20 for 1 mile, Cashback, or the Emirates Skywards Miles.

Documents Required:

The applicant must have the following documents while applying for CBD World MasterCard:

In the case of the self-employed:

  • A valid trade license
  • A valid passport, residence VISA, National ID or the Emirates ID
  • Proof of income
  • Proof of residence
  • Copy of current credit card along with the recent statement
  • Last three months’ bank statement

In the case of the Salaried Individuals:

  • A certificate for salary
  • A valid passport, residence VISA, National ID or the Emirates ID
  • Proof of income
  • Proof of residence
  • Copy of current credit card along with the recent statement
  • Last three months bank statement

How to apply for CBD World MasterCard Credit Card?

In order to apply for CBD World MasterCard Credit card, the applicant must follow the below-mentioned steps:

Step 1: Go to the official website of the Commercial Bank of Dubai

Step 2: There will be ‘How to Apply’ tab on the right-hand side of the page.

Step 3: The applicant will land on to a new page wherein, the applicant has to fill in the application form online. The form will have different sections that have to be filled such as the personal details including the name, date of birth, address, mobile number, and email address of the applicant, Employment details, and Products details that the person is applying for.

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

Step 5: The officials or administrators from the bank will get in touch with the applicant shortly.

CBD World MasterCard Credit Card Payment Options:

Paying off CBD World MasterCard balance has become hassle-free and easier now. The card users can pay back their due balance using different methods. They are:

CBD Internet and Mobile Banking:

If the card members of CBD World MasterCard have access to a bank account with Commercial Bank of Dubai, then they can pay their credit card bill using their bank account towards their card.

CBD Branches:

The cardholders can also pay off their due amount by visiting the CBD branches located across the United Arab Emirates (UAE). The card members can locate their nearest CBD branch.

Facebook Branch:

CBD World MasterCard balance can be paid through CBD Facebook branches. The card users can visit the Commercial Bank of Dubai’s official website for further details on Facebook branches.

Cheque Deposit Machines (CDMs):

Cheques can also be deposited if the card members want to pay the due amount on their card through cheque. The name of the card member, mobile number together with CBD World MasterCard credit card number must be mentioned on the back of the cheque.

CBD Phone Banking:

CBD World MasterCard users can call on the bank’s toll-free number 600 575 556 to payout the credit card balance through the Interactive Voice Response System (IVR).

Al Ansari Exchange:

The cardholders will have to visit any branch of Al Ansari Exchange and pay off their credit card bill. The card user has to pay a fee of AED 5 on every transaction.

Standing Instructions/ Account Transfer:

The cardholders can give their account transfer instructions or the standing instructions to the bank to clear the balance on their CBD World Mastercard credit card on the payment’s due date.

Redha Al Ansari Exchange:

The cardholders can visit any Redha Al Ansari Exchanges’ branch and pay off the credit card in cash towards their CBD World MasterCard. However, AED 15,000 per day is the maximum limit to payout the credit card bill.

FAQs:

Q1. What will happen if the card member uses more than complimentary entitlement?

A1. In such a situation, CBD World Mastercard account of the cardholder will be charged for the excess use.

Q2. Is the valet parking facility available for supplementary cards also?

A2. Yes, this facility is available on the eligible supplementary cards.

Q3. Who can be approached if the cardholders have queries regarding the account of Attijari Points?

A3. The card members can contact Commercial Bank of Dubai call centre on 600 575 556. Al DANA Clients can call on 800.

Q4. Can expired points be seen on the statement of Attijari Points?

A4. No, the card members cannot see their expired points on the statement of Attijari Points.