CBD Smiles 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 3.1/570% 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
Explore all CBD cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18
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.
Renewal waiver assumes at least AED 24,000 qualifying spend in the preceding card year.
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. 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 calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 525
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.85%
- Reward programme
- Smiles Points
- Salary transfer required
- No published requirement
Smiles points are not cash. Current page mixes Visa Airport Companion and legacy LoungeKey instructions; verify the access app and activation rules.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. 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: 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.
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 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
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
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion: eight complimentary lounge visits per calendar year, subject to qualifying international spend; page retains older LoungeKey wording in another section.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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.
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.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare CBD Smiles Visa Signature Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare CBD Smiles Visa Signature Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare CBD Smiles Visa Signature Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- CBD Smiles Visa Signature Credit Card official product terms
- CBD: Official product page
- CBD: VAT-inclusive card schedule of charges
- CBD Smiles 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.