CBD One Credit Card UAE – Complete Review 2025
When it comes to choosing the right credit card in the UAE, Commercial Bank of Dubai (CBD) is one of the most trusted names. Among its popular offerings, the CBD One Credit Card stands out as a versatile product designed for both everyday spending and lifestyle perks.
In this comprehensive review, we’ll cover everything you need to know: benefits, features, eligibility, fees, rates, and why the CBD One Credit Card might be the right choice for you.
Why Choose the CBD One Credit Card in UAE?
The CBD One Credit Card is not just another card — it is designed with flexibility and convenience in mind. Its standout feature is the tiered membership (Blue, Red, Black) that gives you different levels of rewards, benefits, and lifestyle privileges.
Key Reasons to Choose:
- Flexible Membership Tiers – Blue, Red, or Black, each with tailored perks.
- Up to 10% Cashback on select categories.
- Exclusive Lifestyle Rewards including dining, shopping, and travel discounts.
- Free Lounge Access in selected tiers for frequent travelers.
- No Annual Fee (Blue tier) – perfect for budget-conscious users.
- Dynamic Benefits that increase as you move up tiers.
Best Uses of the CBD One Credit Card
If you’re wondering how to maximize the benefits of the CBD One Credit Card (Blue, Red, Black), here are the exact scenarios where each tier shines:
🛒 Everyday Shopping
- Blue: Earn up to 1% cashback on groceries, utility bills, and fuel purchases.
- Red: Enjoy up to 5% cashback on daily essentials such as fuel, supermarkets, and online shopping.
- Black: Get up to 10% cashback on lifestyle spends, making it ideal for heavy spenders.
🍽️ Dining & Entertainment
- Blue: Access to selected dining discounts in the UAE.
- Red: Exclusive dining offers at premium restaurants + up to 5% cashback on dining transactions.
- Black: Complimentary access to high-end dining privileges, entertainment offers, and premium lifestyle deals across UAE and globally.
✈️ Travel Benefits
- Blue: Basic travel discounts via CBD partnerships.
- Red: 2 free airport lounge visits per year in the Middle East + complimentary travel insurance.
- Black: Unlimited global airport lounge access (LoungeKey), comprehensive travel insurance, and concierge services for seamless trips.
🎉 Lifestyle Spenders
- Blue: Starter perks for those testing out a credit card for everyday use.
- Red: Perfect balance of cashback, dining rewards, and travel perks without high annual fees (AED 399).
- Black: Best for premium lifestyle seekers who want cashback up to 10%, unlimited lounge access, and elite privileges.
👨💼 First-Time Credit Card Users
- The CBD One Blue is free for life, with no annual fee, making it one of the best entry-level credit cards in the UAE. It’s perfect for students, fresh graduates, and young professionals.
CBD One Credit Card — Blue vs Red vs Black (UAE)
| Feature / Benefit | CBD One Blue | CBD One Red | CBD One Black |
|---|---|---|---|
| Annual Fee | Free for life | AED 399 (may be waived on meeting spend) | AED 999 (may be waived on high annual spend) |
| Minimum Salary | AED 8,000 | AED 15,000 | AED 25,000 |
| Cashback | Up to 1% on everyday spends | Up to 5% on groceries, fuel & dining | Up to 10% on lifestyle, dining & shopping |
| Dining Offers | Selected UAE dining discounts | 5% cashback on dining + premium offers | Elite fine-dining privileges & global offers |
| Travel Benefits | Limited travel discounts via partners | 2 free lounge visits/year (ME) + travel insurance | Unlimited global lounge access (LoungeKey) + concierge + comprehensive insurance |
| Lifestyle Privileges | Basic shopping & utility rewards | Balanced perks (cashback + travel + dining) | Premium lifestyle privileges & VIP access |
| Best For | Beginners & budget-conscious users | Young professionals & frequent shoppers | High-income travelers & lifestyle seekers |
Ready to compare and apply?
Find the best CBD One tier for you and apply online in minutes.
CBD One Credit Card Membership Tiers Explained
The unique feature of this card is that it comes in 3 membership tiers.
1. CBD One Blue
- Annual Fee: Free for life
- Cashback: Up to 1% on spends
- Lifestyle Discounts: Basic offers on dining & shopping
- Perfect For: Students, entry-level professionals, or anyone wanting a starter card
2. CBD One Red
- Annual Fee: Around AED 399 (waived with spending threshold)
- Cashback: Up to 5% on selected categories
- Travel Perks: Free lounge access, complimentary insurance
- Lifestyle Rewards: Mid-tier dining & shopping privileges
- Perfect For: Young professionals and frequent shoppers
3. CBD One Black
- Annual Fee: AED 999 (waived on high spend levels)
- Cashback: Up to 10%
- Travel Perks: Extensive lounge access worldwide, concierge services
- Lifestyle Rewards: Premium discounts on hotels, dining, and leisure
- Perfect For: High-income earners, frequent travelers, and premium lifestyle seekers
CBD One Credit Card – Fees & Rates
Here are the essential cost details:
- Annual Fees:
- Blue: Free for life
- Red: AED 399
- Black: AED 999
- Interest Rate (Retail Purchases): ~3.25% per month (varies)
- Cash Advance Fee: 3% (minimum AED 100)
- Foreign Transaction Fee: Around 2.5%
- Late Payment Fee: AED 230
- Over-limit Fee: AED 300
Eligibility Criteria
To apply for the CBD One Credit Card in the UAE, you must meet the following:
- Minimum Salary: AED 8,000 (for Blue), AED 15,000+ (for Red/Black)
- Employment: Salaried
- Age Requirement: 21 years and above
- Residency: UAE Residents only
Documents required usually include:
- Emirates ID
- Passport & Visa Copy
- Salary Certificate (for salaried individuals)
Additional Benefits
Apart from cashback and tiered perks, the CBD One Credit Card also includes:
- Free travel insurance
- Fraud protection & purchase protection
- Balance transfer options at competitive rates
- Easy installment plans (0% interest for selected partners)
- Access to CBD Mobile App for managing spends, rewards, and statements
Why CBD One Credit Card Stands Out in UAE 2025
Unlike many traditional cards, the CBD One Credit Card’s customizable tiers make it appealing to a wide range of customers. Whether you’re a student, a frequent traveler, or someone who loves premium perks, there’s a version of this card that fits your lifestyle.
It competes strongly with cards like FAB Cashback Credit Card, ADCB Lulu Card, and Citi Cashback Card — but CBD One stands out because of its membership model + premium lifestyle perks.
The CBD One Credit Card is a flexible, benefit-packed, and innovative product in the UAE credit card market. With three distinct tiers, it ensures that everyone — from beginners to luxury seekers — has the right fit.
👉 If you want a no-fee starter card, go for CBD One Blue.
👉 If you want balanced cashback + travel perks, go for CBD One Red.
👉 If you want premium lifestyle & travel privileges, go for CBD One Black.
Bottom Line: The CBD One Credit Card is one of the most versatile and rewarding credit cards in the UAE, especially in 2025.
Frequently Asked Questions (FAQs) – CBD One Credit Card UAE
1. What is the minimum salary required for CBD One Credit Card?
The minimum salary is AED 8,000 for CBD One Blue and AED 15,000+ for Red and Black tiers.
2. Is the CBD One Blue Credit Card free?
Yes, the CBD One Blue Credit Card has no annual fee for life, making it a great entry-level card.
3. Does CBD One Credit Card offer lounge access?
Yes, the Red and Black tiers provide complimentary airport lounge access worldwide.
4. What is the cashback rate for CBD One Credit Card?
Cashback ranges from 1% on Blue, 5% on Red, and up to 10% on Black (on select categories).
5. Can I apply for CBD One Credit Card online?
Yes, you can apply through the Commercial Bank of Dubai website or via authorized partners.
6. What are the fees and charges for CBD One Credit Card?
- Blue: Free
- Red: AED 399 annual fee
- Black: AED 999 annual fee
Interest rate is around 3.25% per month.