CBD Smiles Signature Credit Card

AED 12,000

Minimum Salary




Islamic Finance*

AED 1048.95

Annual Fee

Features and Benefits:

Welcome Benefits:

  • 100,000 Smiles points subject to achieving spends of AED 2,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer.
  • First year Free * (Annual fee of AED 999 waived for first year)
  • 1 year complimentary subscription to ‘Unlimited Buy 1 Get 1 Offers’ worth AED 200
  • Discount coupon worth AED 100 from Yallacompare
  • Free for life Supplementary cards

Earn Smiles points on every AED spent:

  • 10 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 25,000 Smiles points)
  • Up to 3 Smiles points on all international spends
  • Up to 2 Smiles points on all domestic spends
  • Quarterly bonus of 15,000 Smiles points worth up to AED 150

Redeem Smiles points:

  • Payment of Etisalat bills | Prepaid recharges | Food delivery
  • Purchase of Smart phones | Shopping vouchers & more
  • Groceries and Pharmacies

Lifestyle Benefits

  • 4 complimentary rounds of Golf at Trump International Golf Club every month subject to calendar month retail spends of AED 7,500. For more information click here. To book your complimentary golf tee time, click here
  • 50% discount on 4 cinema tickets across VOX, Reel or Novo cinemas per calendar month. for more information click here.
  • Complimentary Valet Parking: Enjoy 3 complimentary valet parking services each calendar month at over 30 locations in the UAE. For more details and terms of use click here.

(Important notice: Valet parking service at Al Maktoum International Airport (DWC) will be temporarily discontinued until further notice). 

    • Shopping & Dining: Discounts over 500+ lifestyle offers through CBD Mobile app.
    • Discount and savings at Emaar Attractions
      • 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and
      • Underwater Zoo Penguin Cove and Nursery experience
      • 20% discount on The Storm Coaster at Dubai Hills Mall
      • 20% discount at Dubai Ice Rink general admission tickets
      • 20% discount at Zabeel Sports District except badminton games
      • Get bonus credits at Play DXB when you purchase credits using CBD Credit Card.


      Purchase Credits Get Bonus Credits
      AED 200 AED 75
      AED 300 AED 125
      AED 400 AED 180
      AED 500 AED 250


    • Credit Shield: Protect yourself and your family against unforeseen events and insure your credit card outstanding balance with CBD credit shield benefit by paying 1% monthly fee of your credit card outstanding balance. To enroll and to know more click here

Note: To avail VOX, Novo, Reel and Valtrans facility, customer must have a minimum monthly (calendar month) retail spends of AED 5,000 on the CBD Primary Credit Card. If spends on CBD Primary Credit Card during the month is less than AED 5,000, the customer’s card account will be billed the actual facility charge. Retail spend does not include Balance Transfer, Cash on Call and Cash Withdrawal.

Visa Benefits:

  • Complimentary Airport Lounge Access: Enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key. Each Cardholder (separately for Primary and Supplementary cardholders) shall be entitled for 8 complimentary visits per calendar year.

Eligibility Criteria

  • The 1st visit to the Lounge in the calendar year is complimentary.
  • However, to be eligible for the subsequent complimentary visits in the same calendar year, the cardholder (separately for Primary and Supplementary cardholder) needs to make a minimum international spend of USD 1 using his CBD Smiles Signature Credit Card.
  • If the cardholder exceeds the maximum number of complimentary visits (i.e. 8 visits in the calendar year) or does not meet the above conditions, Lounge Key shall charge USD 32 to the card.

For answers to Frequently Asked Questions on Airport Lounge Access, visit Frequently Asked Questions

  • Multi-trip Travel Insurance: Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000
  • Purchase Protection: Doubles the repair period offered by original manufacture warranty, up to 1 year
  • Extended Warranty: Protects you from theft or accidental damage

For more information on Visa Signature Card benefits, visit Visa Signature Benefits

Flexibility Fee and Charges

  • Interest Rate
    3.85% per month
  • Annual Fee
    AED 1048.95 Including VAT
  • Cash Advance Fee
    3.00% min AED 105
  • Non AED Transaction Fee

Apply Now

*Minimum Salary AED 8000 required.
**Low AECB or Bad AECB do not apply.

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