Current Account
AED 5,000 salary or balance fee waiver
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
CBD UAE Credit Cards and Bank Accounts
Explore 3 current card products and 1 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
CBD accounts and salary options
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Conventional banking
CBDBANK-SOURCED
CBD Super Saver Visa Signature Credit Card
Dirham Score 3.7/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Perk activation and qualifying conditions apply
Annual fee AED 420First year waived
ESTIMATED FIRST-YEAR VALUE
AED 3,300
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,300
Fee waiver+ AED 420
Joining-fee refund+ AED 0
Annual fee− AED 420
Actual modelled netAED 3,300
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Calculation assumptionsRewards, fees & important conditions
Read the full CBD Super Saver Visa Signature Credit Card review and fee maths
Tiered B.E.S.T cashback is modelled conservatively. CBD bank-only FX and future-year annual-waiver details remain unconfirmed.
No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.
Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
B.E.S.T cashback: AED 3,000–9,999.99 total monthly spend earns 3%, capped at AED 75 per category/AED 300 total; AED 10,000–19,999.99 earns 5%, capped at AED 100 per category/AED 400 total; AED 20,000+ earns 10%, capped at AED 150 per category/AED 600 total. Below AED 3,000 earns zero.
B.E.S.T is eligible water/electricity bills, school/college/university education, supermarkets and transport/fuel. Chiller, LPG, drinking-water supplies, driving classes and school uniforms/transport are excluded examples. Merchant classification and non-qualifying transactions still apply.
Annual fee AED 420 including VAT; first year free. Confirm the current annual-spend target for subsequent fee waiver before relying on it.
Linked February 2025 SOC lists finance 3.85% monthly. Its 2.99% foreign-fee row has contradictory wording on network inclusion and VAT; bank-only FX value is left unconfirmed to avoid double-counting scheme fees.
The product advertises up to AED 1,000 digital-wallet welcome bonus for applications by 5 November 2026. Full spend/crediting conditions were not retrieved; excluded from modelling.
Official bank source · checked 2026-10-18Official B.E.S.T cashback grid
VAT-inclusive card schedule of charges
Exact official issuer artwork; retrieved and visually inspected. The bank uses an in-phone product image on this page. WebP copy resized without cropping or changing the depicted card. Image source
Conventional banking
CBDBANK-SOURCED
CBD One Visa Signature Credit Card
Dirham Score 3.4/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Annual fee Free for life
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 0
Not estimated: up to AED 135 monthly cashback is limited to listed merchants and a qualifying-spend condition. Broad groceries/dining/online inputs cannot establish exact merchant eligibility.
Calculation assumptionsRewards, fees & important conditions
Read the full CBD One Visa Signature Credit Card review and fee maths
Current CBD One differs from old selectable-plan marketing. Confirm the AED 5,000 cashback eligibility interpretation; expired cinema/golf offers are excluded.
No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; confirm activation and spend eligibility.
Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.
Not estimated: up to AED 135 monthly cashback is limited to listed merchants and a qualifying-spend condition. Broad groceries/dining/online inputs cannot establish exact merchant eligibility.
Current product and March 2025 FAQ say free for life and up to AED 135 cashback per month at listed merchants after meeting the AED 5,000 monthly spend criterion. Do not substitute old Starter/One Plus/VIP selectable-plan terms from the older CBD One microsite.
Selected merchants include noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, named food-delivery apps, streaming, cinema, coffee and fitness brands. Cashback cannot exceed actual qualifying merchant spend; transaction posting dates and account status matter.
The latest FAQ says at least AED 5,000 spend on selected merchants, while an alternate 2025 FAQ example describes total monthly spend plus smaller selected-merchant purchases. Confirm this eligibility conflict with CBD. No reward forecast is shown.
Cinema and golf benefits in the March 2025 FAQ expired on 9 May 2025; they are not presented as current benefits.
Finance 3.85% monthly in linked SOC. Foreign transaction 2.99% row and VAT/network footnote are ambiguous; bank-only FX is unconfirmed.
Official bank source · checked 2026-10-18Current CBD One FAQ, March 2025
VAT-inclusive card schedule of charges
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Conventional banking
CBDBANK-SOURCED
CBD Smiles Visa Signature Credit Card
Dirham Score 3.1/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Annual fee AED 525First year waived
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 525
Joining-fee refund+ AED 0
Annual fee− AED 525
Actual modelled netAED 0
Not estimated: Smiles redemption is merchant-specific and no single verified AED-per-point value is assumed. Reduced MCC earn rates and eligible merchant points caps require separate inputs.
Calculation assumptionsRewards, fees & important conditions
Read the full CBD Smiles Visa Signature Credit Card review and fee maths
Smiles points are not cash. Current page mixes Visa Airport Companion and legacy LoungeKey instructions; verify the access app and activation rules.
No cinema benefit verified. · Visa Airport Companion: eight complimentary lounge visits per calendar year, subject to qualifying international spend; page retains older LoungeKey wording in another section.
Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.
First-year fee waiver requires AED 24,000 spend within 365 days. Your forecast meets the spend target.
Not estimated: Smiles redemption is merchant-specific and no single verified AED-per-point value is assumed. Reduced MCC earn rates and eligible merchant points caps require separate inputs.
First year annual fee waived. AED 525 including VAT from year two, waived after AED 24,000 annual retail spend.
Earn 10 Smiles points/AED at e&/Etisalat channels, Smiles app and elGrocer, capped at 25,000 points/month; up to 3/AED international and 2/AED domestic. Listed reduced categories earn differently.
Quarterly bonus 5,000 Smiles points after AED 10,000 cumulative spend in the preceding calendar quarter; paid at the next quarter start. Points are not assigned a generic cash rate.
90-day Smiles Unlimited subscription and AED 200 Unravel hotel discount have restrictions. Further free subscription renewal depends on 25,000 qualifying points in the prior 60 days; otherwise paid renewal may apply.
Current main lounge section says Visa Airport Companion; a separate section still says LoungeKey. Eight visits/year and qualifying international spend are stated; verify the app and activation before travel.
Finance 3.85% monthly in linked SOC. Foreign-fee row 2.99% and VAT/network wording are ambiguous; bank-only FX remains unconfirmed.
Official bank source · checked 2026-10-18VAT-inclusive card schedule of charges
Exact official issuer artwork; retrieved and visually inspected. The bank uses an in-phone product image on this page. WebP copy resized without cropping or changing the depicted card. Image source
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers