CBD Al Islami Super Saver Signature
CBD Al Islami Super Saver Signature is a UAE Islamic covered card with Cashback rewards. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 420 before the conditional first-year waiver. Its value depends on your eligible spending, fees and redemption choices.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.6/590% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Explore all CBD cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 420
- Bank FX charge
- 2.75%; scheme fees may apply
- Monthly profit rate
- 3.45%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Bank approval, employer criteria and any account requirements apply. Confirm whether salary transfer is required.
Cashback or points earning rules, thresholds and caps
Bills, education, supermarkets and fuel: 3%, 5% or 10% according to total monthly spending; Other retail: 0%
Minimum earning gate: See published category rules. Accelerated-rate spending gate: AED 3,000. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Bills, education, supermarkets and fuel | 3%, 5% or 10% according to total monthly spending | AED 75, 100 or 150 per category; AED 300, 400 or 600 total | Qualifying total spending of AED 3,000, 10,000 or 20,000; direct merchant payments, credit-limit cap and exclusions apply |
| Other retail | 0% | Not applicable | Counts towards eligible monthly total spending but does not earn cashback |
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.
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Credit-limit assumption: at least AED 6,000 is available for this monthly reward-earning budget. No bank-approved limit is predicted. Enter a limit to test a smaller amount.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorFirst-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.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
Calculate this card using your own monthly spending. The expandable breakdown below applies current offer dates and shows the full fee and welcome conditions.
Full offer and qualification details for CBD Al Islami Super Saver Visa Signature Credit Card
CBD Al Islami Super Saver Visa Signature Credit Card
Dirham Score 3.6/590% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Bank approval, employer criteria and any account requirements apply. Confirm whether salary transfer is required.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,300
First-year fee adjustment+ AED 420
Joining-fee refund+ AED 0
Annual fee− AED 420
Actual modelled netAED 3,300
Credit-limit assumption: at least AED 6,000 is available for this monthly reward-earning budget. No bank-approved limit is predicted. Enter a limit to test a smaller amount.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
Calculation assumptionsRewards, fees & important conditions
Read the full CBD Al Islami Super Saver Visa Signature Credit Card review and fee maths
Credit-limit assumption: at least AED 6,000 is available for this monthly reward-earning budget. No bank-approved limit is predicted. Enter a limit to test a smaller amount.
Bills, education, supermarkets and fuel: 3%, 5% or 10% according to total monthly spending; Other retail: 0%
No cinema benefit verified. · Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
Monthly profit rate: 3.45%. Bank FX charge: 2.75%.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
Official bank source · checked 2026-10-24Al Islami Super Saver reward terms 14 Nov2025
Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
- Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
- Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
- The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
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What salary do you need for CBD Al Islami Super Saver Signature?
A current minimum monthly salary is not confirmed in this record. Ask the bank before applying; salary alone never guarantees approval.
What is the annual fee for CBD Al Islami Super Saver Signature?
The listed annual fee is AED 420. Joining fees, recurring plan charges, borrowing costs and transaction fees may be separate. Check the linked official tariff and any waiver conditions.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- CBD Al Islami Super Saver Visa Signature Credit Card official product terms
- CBD: Official product page
- CBD: Islamic credit card KFS
- CBD: Al Islami Super Saver reward terms 14 Nov2025
- CBD: Current cinema restrictions
- CBD Al Islami 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.