CBD Smiles Signature Credit Card
The CBD Smiles Signature Credit Card turns everyday spending — Etisalat bills, groceries, dining, and shopping — into Smiles points, while adding real travel perks like airport lounge access and multi-trip travel insurance. Free in the first year, with a clear path to keep it free every year after.
Overview
- ✓Earn 10 Smiles points per AED 1 spent on Etisalat channels, the Smiles app, and elGrocer, up to a monthly cap of 25,000 points.
- ✓Earn up to 3 Smiles points per AED 1 on international spends and up to 2 Smiles points per AED 1 on domestic spends.
- ✓Receive a quarterly bonus of 5,000 Smiles points after reaching a cumulative spend of AED 10,000 in the previous quarter.
- ✓Enjoy up to 8 complimentary airport lounge visits per calendar year at over 1,000 lounges worldwide via Visa Airport Companion.
- ✓Get multi-trip travel insurance for you and your family, covering up to USD 500,000 for 90 days from your travel date.
- ✓Access a 90-day complimentary subscription to Smiles Unlimited, including buy-1-get-1 offers and free food and grocery delivery.
- ✓Redeem Smiles points for Etisalat bills, prepaid recharges, food delivery, smartphones, groceries, pharmacy purchases, and shopping vouchers.
- ✓Get supplementary cards free for life for family members.
- ✓Enjoy purchase protection that doubles your manufacturer warranty period, up to one additional year.
- ✓Access exclusive discounts at Emaar attractions including KidZania, Dubai Aquarium, Dubai Ice Rink, and Zabeel Sports District.
- ✓Apply in minutes through the CBD Mobile App using UAE PASS.
Eligibility
- ✓UAE Nationals: aged 21–65 years at card expiry date.
- ✓UAE Residents: aged 21–63 years at card issuance date.
- ✓Minimum Salary: AED 5,000 per month for salaried, confirmed employees.
Fees & Charges
Top Benefits
Airport Lounge
Complimentary access to selected airport lounges.
Balance Transfer
Benefit available as per bank terms and conditions.
Purchase Protection
Purchase protection on eligible transactions.
Travel Insurance
Travel related privileges and partner offers.
Documents Required
- ✓valid passport, residence visa, and Emirates ID.
Creditcardfinder Score
Score based on Good overall value, accessible salary eligibility, standard annual fee. Final approval and card terms remain subject to bank policy.
About Commercial Bank of Dubai
Commercial Bank of Dubai (CBD) is a leading UAE bank offering a wide range of personal and business banking products, including credit cards, personal loans, savings accounts, and mortgages. Known for its strong digital banking services and customer-focused offerings, CBD has built a solid reputation among UAE residents and expats for accessible, reliable financial products. With a growing presence across the UAE, the bank continues to expand its retail banking portfolio to meet the evolving needs of its customers.
FAQs
Can I really keep this card free every year, not just the first year?
Yes — beyond the free first year, CBD waives the AED 500 annual fee again each year you spend AED 24,000 or more on the card (roughly AED 2,000/month). For anyone using this as a primary card for daily spending, that threshold is very achievable, effectively making it free for life in practice.
Do I only get one free airport lounge visit?
Your first lounge visit each calendar year is completely free. After that, each additional visit (up to 8 total per year) unlocks simply by making a minimum international spend of USD 1 on the card beforehand — an easy bar to clear if you're already using the card while traveling.
What happens after my 90-day free Smiles Unlimited subscription ends?
You can keep enjoying it for free every month after that too — as long as you earn 25,000+ Smiles points on Smiles/Etisalat spends in the preceding 60 days. If you're an active user of the ecosystem, the free ride doesn't have to stop at 90 days.
Is there an extra cost to add a card for my spouse or family member?
No — supplementary cards on this account are free for life, so you can extend the rewards and lounge benefits to family members without an added annual cost.
How do I avoid paying any interest at all?
Pay your total outstanding balance in full by the due date each month, and you won't be charged the 3.45% monthly interest rate — you get a 52-day interest-free window on purchases to do this, which is a longer runway than many cards offer.
Why Apply with Creditcardfinder.ae?
Free Comparison
Compare UAE credit cards without any hidden charges.
Secure Journey
Your application continues through a secure process.
Curated Cards
Shortlist cards based on salary, fees, benefits and rewards.
Better Choice
Understand key fees and benefits before you apply.
