CBD One Visa Signature Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 0
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.85%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Current CBD One differs from old selectable-plan marketing. Confirm the AED 5,000 cashback eligibility interpretation; expired cinema/golf offers are excluded.
Cashback or points earning rules, thresholds and caps
Base earning: 0 % cashback.
Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
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.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
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
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
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
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion: up to eight complimentary lounge visits per calendar year; confirm activation and spend eligibility.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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 sources and application information
- CBD One Visa Signature Credit Card official product terms
- CBD: Official product page
- CBD: Current CBD One FAQ, March 2025
- CBD: Alternate March 2025 FAQ
- CBD: VAT-inclusive card schedule of charges
- CBD One Visa Signature Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.