CBD Super Saver 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 3.7/5100% 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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 420
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.85%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Tiered B.E.S.T cashback is modelled conservatively. CBD bank-only FX and future-year annual-waiver details remain unconfirmed.
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 |
|---|---|---|---|
| Groceries | 3 % cashback | AED 75 | 0 |
| School Fees | 3 % cashback | AED 75 | 0 |
| Utilities | 3 % cashback | AED 75 | 0 |
| Fuel | 3 % cashback | AED 75 | 0 |
Spending tiers and monthly cashback caps
The table above shows the first earning tier. Your total eligible monthly spend selects one tier for the categories below; capped categories are not additional to the overall cap.
| Minimum monthly spend | Cashback | Cap per category / month | Overall cap / month |
|---|---|---|---|
| AED 3,000 | 3% | AED 75 | AED 300 |
| AED 10,000 | 5% | AED 100 | AED 400 |
| AED 20,000 | 10% | AED 150 | AED 600 |
Categories: Groceries, School Fees, Utilities, Fuel. Below the first spending tier, the model earns no category cashback. Other purchase exclusions and bank classifications apply.
First-year AED value and conditional welcome offers
The benchmark produces AED 3,300 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
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.
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 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
View 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
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
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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 sources and application information
- CBD Super Saver Visa Signature Credit Card official product terms
- CBD: Official product page
- CBD: Official B.E.S.T cashback grid
- CBD: Cashback and redemption terms
- CBD: VAT-inclusive card schedule of charges
- CBD Super Saver 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.