CBI Credit Cards

The Commercial Bank International, commonly referred to as CBI, redefines the meaning of personal banking entirely. The bank prioritizes customer friendliness over all other services, as can be seen in their working style. CBI was established in Ras Al Khaimah, Dubai in 1991. Shortly thereafter, the bank rolled out an impressive range of CBI credit cards, which have been a massive hit amongst the UAE public.

CBI trades on the Abu Dhabi Securities Exchange under the heading of ADX: CBI and as of September 2018, was in possession of over AED 19 billion worth in assets. The CBI credit card offers customers completely transparent and reliable financial flexibility. Determined to offer friendly and approachable banking services in UAE, CBI demonstrates a commitment to community outreach, integrity and efficiency at every level of its operations. CBI credit cards are created after thorough market research on the customer’s needs and are therefore regularly updated with enticing offers.

Types of CBI Credit Cards

Currently, there are 5 types of CBI credit cards in the UAE market. Each CBI credit card offers its own combination of rewards and services as detailed below.

1. CBI First World MasterCard

• Annual Membership Fee: Free for life.*
  * This CBI Bank credit card is available only for CBI First Customers. In order to qualify for the CBI First program, CBI card owners must meet one of the following criteria:
  - Transferring a minimum salary of AED 40,000 per month.
  - Maintaining a balance of at least AED 300,000 across all CBI products (CBI credit cards, CBI debit cards, CBI Bank accounts, etc).
  - Sustaining a minimum mortgage balance of AED 2,000,000 with CBI.
• Retail Interest (Monthly): 2.99% (The interest is raised to 3.25% if the cardholder misses a payment on their CBI card)
• Cash Advance Interest (Monthly): 2.99% (The interest is raised to 3.25% if the cardholder misses a payment on their CBI card)

Benefits:

a. This credit card offers enrolment in the high-return CBI Rewards program. By making purchases with the CBI card, customers earn ‘Reward Points’, which may be used in a huge variety of ways, which include redemption for flight bookings, hotel reservations, car rentals, cash-backs, utility bill payments, charity donations, retail store discounts and more.

b. Owners of the First World CBI credit card can earn Reward Points in the following ways:

• 2.5 Reward Points for every AED 1 spent on international transactions.
• 1.75 Reward Points for every AED 1 spent on local transactions which are more than AED 2,000 in amount.
• 1 Reward Point for every AED 1 spent on local transactions.

Note: The monthly cap on local and international purchases made with the CBI credit card is 150,000 Reward Points. Furthermore, all purchases falling under the category of government expenses, utility bills, real estate, fuel, transportation, couriers, freight services and advertising are altogether capped at 25,000 Reward Points per month.

c. The First World CBI credit card offers the primary CBI card holder and all supplementary CBI card holders unlimited complimentary airport lounge access in more than 650 airports across the globe. The full list of airport lounges can be found on the official website of LoungeKey website or on the LoungeKey mobile app.

d. This CBI card can be used to avail of up to 100% cashback on 4 cinema tickets every month. Maximum monthly cash backs are capped at different levels as per the previous month’s expenditure. The cashback categories are as follows:

• AED 35 cash back for meeting the previous month’s spending requirement of AED 1,000.
• AED 70 cash back for meeting the previous month’s spending requirement of AED 2,500.
• AED 140 cash back for meeting the previous month’s spending requirement of AED 6,000 and more.

e. Owners of the First World CBI credit card gain access to the CBI Lifestyle app, which has incredible deals on entertainment, shopping and dining experiences in UAE. The app also contains tons of buy-1, get-1-free offers.

f. Gold Plus Rewards 5-star membership to Hertz car rentals. The membership allows CBI card members to skip car rental queues, complimentary upgrades to one class higher, expedited booking and drop-off processes and up to 15% discounts on rental rates.

g. 40% off on expedited travel visa application and processing services for trips to the UK, New Zealand, Australia, Saudi Arabia and EU countries falling under the Schengen visa.

h. Free of charge travel insurance including medical and travel inconvenience covers.

i. The First World CBI credit card offers exclusive access to the MasterCard Buy 1 Get 1 mobile app. The app contains various complimentary dining options, free hotel stays and massage services.

j. Great deals on 175+ Starwood Hotel & Resorts establishments across the Middle East, Africa and Europe. The CBI card member earns 1 complimentary night’s stay on booking 2 nights and 2 complimentary night’s stay on booking 4 nights.

k. This CBI Bank credit card also provides the cardholder with a 20% discount on 2 Careem rides per month and a free first ride for new Careem users.

l. Up to 3 free supplementary CBI credit cards for the cardholder’s family members.

2. CBI MasterCard Titanium Credit Card

• Annual Membership Fee: Free for life.
• Retail Interest (Monthly): 3.45% (The interest is raised to 3.70% if the cardholder misses a payment on their CBI card)
• Cash Advance Interest (Monthly): 3.75% (The interest is raised to 3.95% if the cardholder misses a payment on their CBI card)

Benefits:

a. The Titanium MasterCard CBI credit card offers the primary CBI card holder and all supplementary CBI card holders unlimited complimentary airport lounge access to 10+ lounges in the Middle East. The full list of airport lounges can be found online.

b. The CBI card can be used to avail of up to 100% cashback on 4 cinema tickets every month. The maximum cash back cap is determined at CBI’s discretion. This CBI credit card offer is available only for customers who have spent a minimum of AED 30 on movie tickets.

c. Thousands of discounts on dining and entertainment services across UAE via the CBI Lifestyle mobile app.

d. Owners of this CBI credit card can convert purchases at partnered retail stores into 0% interest Easy Payment Plans, through which they can pay off the full transaction amount as monthly instalments with no interest.

e. This CBI card also provides balance transfer facilities at a low 0.99% monthly interest for tenors of up to 36 months.

f. This CBI credit card offers hundreds of enticing discounts and offers through MasterCard’s Priceless Arabia program. Up to date Priceless Arabia offers can be found online.

g. Up to 3 free supplementary CBI credit cards for the cardholder’s family members.

3. CBI Rewards Platinum MasterCard

• Annual Membership Fee: Free for life. Owners of this CBI credit card can opt for a Reward Points accelerator program by paying an annual fee of AED 525.
• Retail Interest (Monthly): 3.45% (The interest is raised to 3.70% if the cardholder misses a payment on their CBI card)
• Cash Advance Interest (Monthly): 3.75% (The interest is raised to 3.95% if the cardholder misses a payment on their CBI card)

Benefits:

a. This CBI credit card offers enrolment into the high-return CBI Rewards program. By making purchases with the CBI card, customers earn ‘Reward Points’, which may be used in a huge variety of ways, which include redemption for flight bookings, hotel reservations, car rentals, cash-backs, utility bill payments, charity donations, retail store discounts and more.

b. Owners of the Platinum MasterCard Rewards CBI credit card can earn Reward Points in the following ways:

• c.1 Reward Point for every AED 1 spent on international transactions.
• 0.5 Reward Points for every AED 1 spent on local transactions.

Note: The monthly cap on local and international purchases made with the CBI credit card is 150,000 Reward Points. Furthermore, all purchases falling under the category of government expenses, utility bills, real estate, fuel, transportation, couriers, freight services and advertising are altogether capped at 25,000 Reward Points per month.

c. The Platinum Rewards CBI credit card offers a Reward Points accelerator program, which can be activated for an annual fee of AED 525. With the accelerator program active, CBI card owners would instead earn:

• 2 Reward Points for every AED 1 spent on international transactions.
• 1.5 Reward Points for every AED 1 spent on local transactions which are more than AED 2,000 in amount
• Reward Point for every AED 1 spent on local transactions.

d. The CBI card can be used to avail of up to 100% cashback on 4 cinema tickets every month. The maximum cash back cap is determined at CBI’s discretion. This CBI credit card offer is available only for customers who have spent a minimum of AED 30 on movie tickets.

e. The Platinum Rewards CBI MasterCard offers the primary CBI card holder and all supplementary CBI card holders unlimited complimentary airport lounge access to 25+ lounges across the globe. The full list of airport lounges can be found online.

f. Thousands of discounts on dining and entertainment services across UAE via the CBI Lifestyle mobile app.

g. This CBI credit card offers hundreds of enticing discounts and offers through MasterCard’s Priceless Arabia program. Up to date Priceless Arabia offers can be found online.

h. The primary CBI card owner is covered under the Credit Shield insurance program, which handles fees and charges for the CBI credit card in the event of death, disability or critical illnesses. This insurance is offered for a nominal fee of 0.85% of the outstanding balance amount on the CBI card.

i. Up to 3 free supplementary CBI credit cards for the cardholder’s family members.

4. CBI Visa Platinum Credit Card

• Annual Membership Fee: AED 157.50
• Retail Interest (Monthly): 2.25% (The interest is raised to 3.70% if the cardholder misses a payment on their CBI card)
• Cash Advance Interest (Monthly): 3.39% (The interest is raised to 3.95% if the cardholder misses a payment on their CBI card)

Benefits:

a. Thousands of discounts on dining and entertainment services across UAE via the CBI Lifestyle mobile app.

b. The CBI card can be used to avail of up to 100% cashback on 4 cinema tickets every month. The maximum cash back cap is determined at CBI’s discretion. This CBI credit card offer is available only for customers who have spent a minimum of AED 30 on movie tickets.

c. This CBI credit card also offers 0% interest balance transfer facilities for the first 6 months and a low 0.99% monthly interest for tenors of up to 36 months.

d. The primary CBI card owner is covered under the Credit Shield insurance program, which handles fees and charges for the CBI credit card in the event of death, disability or critical illnesses. This insurance is offered for a nominal fee of 0.85% of the outstanding balance amount on the CBI card.

e. Up to 3 free supplementary CBI credit cards for the cardholder’s family members.

f. Purchase protection and extended warranty for items bought with the CBI card.

5. CBI Rewards World MasterCard

• Annual Membership Fee: AED 840
• Retail Interest (Monthly): 3.45% (The interest is raised to 3.70% if the cardholder misses a payment on their CBI card)
• Cash Advance Interest (Monthly): 3.75% (The interest is raised to 3.95% if the cardholder misses a payment on their CBI card)

Benefits:

a. This CBI credit card offers enrolment into the high-return CBI Rewards program. By making purchases with the CBI MasterCard, customers earn ‘Reward Points’, which may be used in a huge variety of ways, which include redemption for flight bookings, hotel reservations, car rentals, cash-backs, utility bill payments, charity donations, retail store discounts and more.

b. Owners of the Rewards World MasterCard CBI credit card can earn Reward Points in the following ways:

• 2.5 Reward Points for every AED 1 spent on international transactions.
• 1.75 Reward Points for every AED 1 spent on local transactions which are more than AED 2,000 in amount.
• 1 Reward Point for every AED 1 spent on local transactions.

Note: The monthly cap on local and international purchases made with the CBI credit card is 150,000 Reward Points. Furthermore, all purchases falling under the category of government expenses, utility bills, real estate, fuel, transportation, couriers, freight services and advertising are altogether capped at 25,000 Reward Points per month.

c. The First World CBI credit card offers the primary CBI MasterCard holder and all supplementary CBI card holders unlimited complimentary airport lounge access in more than 850 airports across the globe. The full list of airport lounges can be found on the LoungeKey website or on the LoungeKey mobile app.

d. The CBI card can be used to avail of up to 100% cashback on 4 cinema tickets every month. The maximum cash back cap is determined at CBI’s discretion. This CBI credit card offer is available only for customers who have spent a minimum of AED 30 on movie tickets.

e. Thousands of discounts on dining and entertainment services across UAE via the CBI Lifestyle mobile app.

f. This CBI MasterCard also offers huge discounts on Cleartrip bookings. Cardholders get a 10% discount on international round trips and as-available discounts on flights from all airlines. The flight tickets must be booked from Cleartrip to be eligible for the discount.

g. 40% off on expedited travel visa application and processing services for trips to the UK, New Zealand, Australia, Saudi Arabia and EU countries falling under the Schengen visa.

h. Free of charge travel insurance including medical and travel inconvenience covers.

i. This CBI Bank credit card also provides the cardholder with a 20% discount on 3 Careem rides per month and a free first ride for new Careem users.

j. This CBI MasterCard also offers 0% interest balance transfer facilities for the first 3-6 months and a low 0.99% monthly interest for tenors of up to 36 months.

Features & Benefits of CBI Credit Cards

CBI’s relentless dedication to identifying and addressing their customers’ requirements has led to the creation of some of the most rewarding credit cards in the UAE. Not only do CBI credit cards offer incredible benefits, but the cards also come fully equipped with the highest standards of features.

• Security: CBI Bank credit cards are fully protected with layers of security and encryption. In addition to the typical encryption standards that MasterCard and Visa employ, CBI cards also offer 3D secure services which protect the card during online transactions. Customers can rest assured and spend openly in-person or online with their CBI credit card.
• CBI Lifestyle: The CBI Lifestyle mobile app is an all-inclusive platform for cardholders to access the latest CBI credit card offers and discounts. The app is regularly updated and offers over a thousand deals on dining, local attractions, shopping and much more. The app was created to help customers quickly find deals and to fully utilize their CBI credit card’s potential.
• Contactless Payment Technology: New CBI MasterCard credit cards come equipped with contactless payment technology, making check-out hassle free and quick. The CBI MasterCard can simply be waved in front of any contactless-enabled terminal to complete the payment within seconds, without the need to swipe or even enter a pin. Contactless payment can be used for a maximum transaction amount of AED 100.
• Monthly Expenses: A CBI credit card can be used to make utility bill payments and to set up monthly payments. Owners of the CBI reward cards and the Platinum CBI card even earn Reward Points for every Dirham spent on utility bill payments. These points can be redeemed for a host of rewards, which are discussed under ‘Benefits’.
• Low-Interest Rates: The First World CBI credit card charges an extremely low 2.99% monthly rate of interest. These low-interest, high-reward cards are some of CBI’s biggest attractions. These low-interest rates are not limited to only the First World CBI card. In fact, most of the CBI credit cards carry a low-interest rate, to prevent over-burdening their customers.

Benefits

The CBI credit card offers astounding benefits in the form of discounts, vouchers and card services. Some of the biggest benefits of a CBI card are:

• 0% Interest Easy Payment Plan: CBI credit cards allow the cardholder to convert purchases starting from as low as AED 500 into monthly instalment plans with no interest. These 0% interest easy payment plans are available at select stores and have tenors of 3, 6 and 12 months as per the retail store’s set parameters. The full list of partnered stores can be found online.
• Balance Transfer : The CBI credit card offers two variants of a 0% Balance Transfer program. 0% interest balance transfers are incredibly useful at clearing away the old The two variants of the balance transfer scheme are as follows:
  • A balance transfer at 0% interest for a tenor of 3 months.
    This option is available to CBI credit card owner for no processing fee.
  • A balance transfer at 0% interest for a tenor of 6 months.
    This option is available to CBI card owners for a processing fee of 1% of the transferred amount.
• Quick Cash: Customers can request the bank to transfer cash (within their available CBI credit card limit) to a CBI bank account or any other external bank account. The cash withdrawal amount can be repaid over a maximum tenor of 36 months as monthly instalments and a low 1% interest rate. Customers can submit cash withdrawal requests online.
•  Movie Tickets: Enjoy complimentary movie tickets every month with a CBI card. Every CBI credit card comes with the option of 100% cash back on 4 movie tickets every month, after meeting minimum monthly spend requirements in the previous month.
• CBI Rewards: Known as CBI Rewards, the loyalty program allows CBI credit card owners to quickly rack up thousands of Rewards Points. These points can be used for discounts on dining, travel, entertainment, utility bills and much more.
• Airline Benefits: Some of the more exclusive CBI cards such as the Rewards World CBI MasterCard offer the cardholder amazing incentives in the form of flight ticket discounts, travel insurance and airport lounge access around worldwide.

CBI Credit Card Annual Membership Fees and Rates of Interest

Given below are the various annual membership fees and rates of interest for every CBI credit card available in UAE currently.

(Updated as of Feb 2019)

CBI Credit Card Eligibility

The CBI credit card application process is extremely straightforward and simple. However, applicants should be aware of all the eligibility criteria before selecting a CBI credit card to apply for. The criteria are as follows:

1. Age: Customers must be at least 21 years of age to apply for a CBI credit card. Applicants under the age of 21 looking for a CBI credit card may apply with a legal guardian as their co-signer.
2. Residency: All CBI card applicants must be legal residents of the UAE. The bank currently does not offer CBI credit cards to non-residents.
3. Income: Applicants will also be required to declare an independent source of income. The CBI credit card staff may ask for bank statements to confirm this income. A customer’s monthly income is a good way of estimating whether they will be able to maintain regular payments for the CBI card and will play a key role in determining eligibility.
4. Credit History: CBI credit card staff will ask for personal information such as address and ID verification, to share with credit agencies and examine the applicant’s prior credit history. Poor credit history can prevent applicants from qualifying for a CBI card.
5. Security Deposit: The CBI credit card limit directly determines the amount that the applicant will have to pledge to the bank via an undated cheque. The cheque will be considered a security deposit and on failure to submit it, the CBI card application will be rejected.
6. CBI First: One of the CBI credit cards, namely the CBI First World credit card, comes with a further criterion for eligibility. The First World CBI card requires applicants to be a ‘CBI First customer’, i.e. a loyal and longtime customer. This can be achieved in any of the following ways:
   • By initiating a salary transfer of at least AED 40,000.
   • By maintaining a total balance of minimum AED 300,000 collectively across all CBI cards and products.
   • By establishing a mortgage balance of minimum AED 2,000,000.

How to Apply for a CBI Credit Card?

Customers looking to avail of the great benefits of a CBI credit card can apply online, in any CBI branch or even request for a callback to clarify doubts before continuing the application process.

1. Branch Application: Hopefuls looking for a powerful CBI credit card can apply directly at any of the CBI branches in UAE. The full list of CBI branches can be found online.
2. Online Application: Hands down the most convenient way to apply, customers can use CBI’s user-friendly and highly secure internet banking platform to pick a CBI credit card and apply online within seconds. The online CBI credit card application form can be found online.
3. Callback: Understandably, customers may want to clarify any lingering doubts before picking a CBI credit card to apply Applicants can request a call back via by filling an online form, or talk to a CBI credit card customer care agent at the following CBI credit card customer care number.

• CBI credit card customer care number for UAE: 600-544440
• CBI credit card customer care number for international customers: (+971)4-503-9000

As a final security measure, CBI credit cards need to be activated once they have been received. This ensures the CBI card was delivered safely and to the correct customer. The credit card may not be used without completing the CBI card registration first. The CBI card registration process is a simple one and can be completed in minutes by contacting the CBI credit card customer care number at (+971)4-503-9000.

UAE residents on the search for a CBI credit card can apply online or in-branch with the following documents:

1. Emirates ID or original and copy of the applicant’s passport
2. Valid UAE mobile number (needed for CBI credit card internet banking)
3. Salary slips or bank statement showing the source of income
4. UAE Employer details. For self-employed individuals, a trade certificate may be required.
5. An undated security cheque. The deposit amount depends upon the requested CBI card

The required documents may vary as per the bank’s discretion. Be sure to contact the above-mentioned CBI credit card customer care number for details on the appropriate documents.

CBI Credit Card Interest Rates

CBI credit cards charge a monthly retail interest and a cash advance interest. The retail interest is calculated on any outstanding balance at the end of each monthly CBI card cycle. The cash advance interest is levied upon any cash amount withdrawn with the CBI credit card, from the date of the transaction itself. CBI card members that have missed a payment are liable to pay an increased rate of interest, for both retail and cash advance transactions.

(Updated as of Feb 2019)

CBI Credit Card Limit

The CBI credit card limit is decided at the time of application. CBI will ask the cardholder to present a security cheque as a deposit amount against the CBI card limit. The higher the requested credit limit is, the higher the security deposit amount will be as well.

CBI reserves the right to use this deposit amount to settle any overdue fees and charges in the event of a missed payment. Additionally, customers who spend more than their CBI credit card limit will incur an over-limit charge and be required to pay the excess amount in full.

Cardholders can check their CBI credit card limit on the CBI internet banking portal. Customers can also use the platform to view their CBI credit card statement, make CBI credit card online payments and much more. The CBI credit card login can be found online.

Alternately, customers can also check their CBI credit card limit and balance on the CBI mobile banking app. The app is available for Android and iOS.

CBI Credit Card Charges

Every CBI credit card owner is provided with a fully-transparent policy document, which details all of the applicable charges on the CBI card. The charges most commonly incurred by cardholders are as follows:

• Late Payment Charge: AED 230
• Over Limit Fee: AED 313.95
• Replacement Card Charge: AED 78.75
• No Liability Letter Charge: AED 52.50

The complete and most recently updated list of CBI credit card charges can be found online.

CBI credit card payments can be made in the following ways:

1. At CBI Branches: Customers can make a CBI credit card payment at any of the CBI branches across UAE. The branch locations can be found online.
2. Online Payment: CBI credit card online payments are the quickest way to settle dues. The CBI credit card login is can be found online.
3. Mobile Banking: The CBI mobile banking app for Android and iOS also allows customers to make CBI credit card payments.
4. Telephone Banking : An Interactive Voice Response (IVR) unit allows customers to make CBI credit card payments, make CBI credit card statement requests and much more. Simply contact the CBI credit card customer care number and get started.
   • For UAE cardholders: 600-544440
   • For International cardholders: (+971)4-503-9000
5. Through Cash Deposit Machines (CDMs): Dozens of CDMs across UAE at convenient locations allow customers to make CBI credit card payments via cheque. Be sure to include your CBI credit card number as well. The CBI CDMs can be found at the following locations:
   • In Ras Al Khaimah: At the Julphar Towers
   • In Dubai: At the Dubai Main Branch, Dubai Mall, Dubai Festival City, Sheik Zayed Road and Dubai Silicon Oasis
   • In Abu Dhabi: At the Al Wahda Mall and Abu Dhabi Corniche
   • In Sharjah: At the Rolla Branch
6. At Al Ansari Exchange: CBI credit card owners can now make payments at any Al Ansari Exchange branch in UAE.

How to Cancel a CBI Credit Card?

To cancel a CBI bank credit card, the cardholder must first clear their outstanding balance amount and all associated charges on the card.

After doing so, the customer will need to contact a CBI credit card customer care representative via phone. The CBI credit card customer care number is 600-544440 for UAE cardholders and (+971)4-503-9000 for international cardholders. The customer is also required to submit a written request for cancellation of the CBI card.

Following the cancel request, the cardholder is required to cut their primary and supplementary CBI credit cards in two and return them to the bank.

CBI will then provide confirmation of the card’s cancellation. The security deposit amount for the CBI credit card will take at least 45 days to be returned to ensure no future payments have been scheduled.

Cardholders should request for a No Liability Certificate to keep as legal proof that all due amounts have been cleared. The No Liability Certificate charge for CBI credit cards is AED 52.50.

Why Choose CBI Credit Cards?

As seen across all their ventures, CBI pays a great amount of attention to the needs of the CBI credit card customers. Decades of experience in the UAE financial market have helped CBI forge an extensive understanding of how to best serve their customer base.

• CBI Ratings: CBI is recognized as a leading financial player in the UAE market by various credit rating institutions, including one of the big three credit rating organizations – Fitch Ratings. Fitch has bestowed upon CBI a ‘BBB+’ long term rating with a stable outlook for the future. CBI credit cards are a reliable choice and the Bank’s credit ratings are proof of the same.
• Security Features: Besides the highly trained CBI credit card customer care staff, CBI credit cards also employ various security measures such as a 3D PIN for online transactions and SMS alerts to keep the cardholder updated on their CBI credit card statement. CBI also has a strong early fraud detection program, which immediately identifies fraudulent charges and conveys it to the cardholder.
• Customer Support: Available 24/7, the CBI credit card customer care staff offers guidance and support to cardholders in a friendly and informative manner. The customer query resolution process is extremely efficient. The impressive Interactive Voice Response (IVR) service allows customers to utilize telephonic banking securely and on the go. Other CBI credit card features include mobile and internet banking, both of which let the customer view their CBI credit card statement and make CBI credit card payments online with great ease.
• Low-Interest Cards: Some of the interest rates seen on CBI credit cards are amongst the lowest in the UAE. Cards such as the Visa Platinum CBI card offer an incredibly low monthly retail interest of 2.99%. Similarly, the CBI credit card balance transfer and Easy Payment Plan facilities both provide a 0% interest scheme, making the CBI credit card a great way to manage expenses and grow savings.
• Lifestyle Discounts: Entertainment, dining, travel and lifestyle discounts are some of the many great benefits that a CBI credit card offers. The CBI lifestyle app is a collection of enticing discounts and vouchers, applicable at thousands of locations across UAE. Furthermore, CBI credit cards also provide great international incentives via MasterCard and Visa rewards.
• Payment Options: CBI credit cards offer a large variety of ways to make card payments. CBI credit card payments can be made online, through the phone, via mobile, at branches, at Al Ansari Exchange locations and through cash deposit machines. The CBI credit card network is enormous, providing customers with easy access from anywhere in UAE.