Best Credit Card In UAE

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+971

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month
  • 20% discount on the below Emaar Entertainment Attractions

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / AED 131.25

Joining Offers

Limited Time Offer - Welcome bonus of AED 500 as cashback points!*

*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.

Key Features

  • Rewards – Up to 8% Cashback on your spends.
  • Lifestyle – 4% Cashback on Supermarkets, Dining & Education with 8% Cashback on Fuel.
  • Travel - 4% cashback on Airlines, Hotels & Dining.
  • 2 "Buy 1 Get 1" complimentary movie tickets every month.
  • 2 rounds of complimentary golf per month.
  • Complimentary valet parking service per month.
  • 2 Bronze Meet & Greet services at Dubai Airport.
  • Unlimited Worldwide Airport lounge accesses for the cardholder.

Reward Features

Lifestyle

Merchant Category Cashback % Monthly Cap (in AED)
Supermarket (Domestic) 4% 200
Dining 4% 200
Fuel (Domestic) 8% 100
Education 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap

Travel

Merchant Category Cashback % Monthly Cap (in AED)
Airlines 4% 200
Hotels 4% 200
Dining 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap


On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.

Things To Be Aware Of

  • A minimum spend of AED 2,500 required for earning cashback

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • AED 350 cash back welcome bonus
  • Airport Transfers: 6 rides per year
  • 1 free Golf round per month at some best golf course in UAE

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Citi Premier Credit Card and get up AED 350 welcome offer as a statement credit.

Citibank Terms & Conditions apply.

Key Features

  • AED 350 cash back welcome bonus (subject to payment of full annual fee)
  • Redeem points for cash back or transfer to 12 partner airlines including Emirates, Etihad, Turkish at a click of a button from Citi Mobile® App
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders (+ 1 guest each) with MasterCard Travel Pass app
  • Airport Transfers: 6 rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app
  • Movies: 30% off 4 movie tickets per month at VOX cinemas
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Golf: 1 free round per month at some of the best golf courses in UAE
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Marhaba Bronze Meet & Greet service once a year with fast-track for arrivals & departures at Dubai International Airport
  • Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions

Reward Features

Earn 3 ThankYou(R) Points per USD on all dining & fuel spend, Earn 2 ThankYou® Points per USD on non-AED spend spent and 1.5 ThankYou® Points per USD on local (AED) spend

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

- Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays

- Redeem points for cash rebates or shopping vouchers

AED 500 can be offset with 15,000 ThankYou® Points  for any  travel-related purchase,  No limitation

Apply Now

on Citibank site

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • 5% Cashback on dining spends in the UAE
  • No annual fees for your Primary and Supplementary cards
  • AED 500 Cashback as joining bonus
  • 20% Cashback at your favourite ecom merchants

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.79%

Cash Advance Fee

3.15 % / AED 210

Joining Offers

Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus. 

Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.

Key Features

  • Unlike other cards in the market, Mashreq Cashback Credit Card does not have any minimum spend thresholds. This means you will start saving on your spends from as little as AED 1/-
  • All retails purchases made on the card will be eligible for the cashback. Spends not qualified for cashback are:
  • Balance transfers
  • Local cash advances
  • Credit card cheques
  • Finance charges
  • All fees charged on the Card by the Bank
  • Transactions reversed by Merchants
  • Utility bill payments like telephone bills, water and electricity bills made through the Bank's payment channels like Call Center, Mashreq Online, ATM, Mobile Banking, Branches or any other Bank's payment channel.

Reward Features

Unlimited Cashback on all spend

  • 5% Cashback on dining spends in the UAE
  • 2% Cashback on international spends
  • 1% Cashback on other local spends
  • No caps. No complicated calculations. Just pure savings, guaranteed

The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.

The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.

To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account. 

the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.

20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat

Things To Be Aware Of

  • Cashback Joining offer requires spend criteria to be met

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership Fee (AMF) subject to spend*
  • Airport Transfers: 2 rides per year

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.90%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

Key Features

  • No Annual Membership Fee (AMF) subject to spend*
  • Automatic cash back on all purchases, with no minimum spend:
  • 3% on Non-AED spend
  • 2% on Grocery Spend
  • 1% on all other spend
  • No caps (up to the credit limit each month), no redemption process and no spend categories excluded
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
  • Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once month on the Talabat app. Use code “MASTERCARD” at checkout
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
  • No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

Reward Features

Unlimited, Automatic Cashback on all Spend

 

3% cashback on all non-AED spend

2% cashback on all grocery/supermarket spend

1% on all other spend

 

No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.

Things To Be Aware Of

  • 2nd year Annual Fee of AED 300 if annual spend < AED 9,000
Apply Now

on Citibank site

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 6% cashback on your spend
  • Buy 1 Get 1 Free movie tickets every month
  • 12 complimentary visits a year to 1,000+ airport lounges
  • No annual fee for the 1st year

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / Min AED105

Joining Offers

Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.

The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.

Key Features

  • Earn upto AED 800 on cashback as joining bonus.
  • No annual fee of for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 12,000
  • Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership.
  • Get discounts at over 400 restaurants across the UAE when you pay with your credit card
  • Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAEcinemas across the UAE This link will open in a new window.
  • Enjoy over 200 offers across dining, retail and accommodation across MENA with the Timeout and Golf Access ProgrammeTimeout and Golf Access Programme This link will open in a new window.
  • Get up to 8% off accommodation with Booking.com when you book on your credit card
  • 12 complimentary visits a year to 1,000+ airport lounges
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • Complimentary travel inconvenience and travel medical insurance for trips booked with your card
  • Discounts at hundreds of dining outlets across the UAE with I Love Dining program
  • Home&Away program with offers on shopping, dining and entertainment at thousands of outlets worldwide
  • Hundreds of 0% Flexi Instalment Plans and partners' discount offers across UAE
  • Protection against unauthorised or fraudulent use of your card

Reward Features

Earn Cashback on ALL spends:

  • Earn 6% (up to AED 200) on dining, 5% (up to AED 200) on fuel and 2% (up to AED 200 each) on groceries, educationand entertainment per statement cycle when you spend at least AED 3,000 a month
  • Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
  • Cashback will be automatically credited to your statement every month.

There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.

Apply Now

on HSBC site

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1499

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Get up to 20,000 Bonus Skywards Miles
  • Emirates Skywards Silver Tier Status
  • Access to 900+ airport lounges across the world
  • Fast Track to Gold Tier status
  • 1-night free stay at Rixos JBR

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1,499

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / Min AED99

Joining Offers

Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.


Key Features

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Rakfoodie privileges
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary Emirates Skywards Silver tier membership
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Complimentary airport transfers within the UAE
  • Complimentary Amazon Prime membership for a period of one year
  • 50% discount on VOX Cinemas at 4 free tickets per month per card
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Free delivery of fuel at your door step by CAFU - 4 times in a month
  • Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
  • 15% discount on "Buy and Gift Miles"
  • Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
  • Complimentary access two times in a month at some of the finest golf courses in Dubai
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
  • Minimum monthly salary requirement for salaried applicants is AED 25,000
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

Reward Features

Earn Emirates Skywards Miles on all spends

The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.

 

Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.

Things To Be Aware Of

  • Free for the first year - Annual fee of AED 1499 on renewal

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Preferential interest rates and higher credit limits
  • Free travel and medical insurance
  • Shopping discounts at selected partners across the UAE

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn CBI Reward points from the first Dirham you spend on your CBI Rewards World Mastercard
  • No rewards cap
  • Unlimited free access to over 650+ airport lounges worldwide
  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • CBI Lifestyle - unique dining and entertainment discount program
  • Hertz Gold Plus Rewards Five Star membership
  • Balance transfer - 0% interest for 3 months
  • Discounted Fast Track travel visa services offer
  • Travel insurance confirmation letter
  • Travel inconvenience insurance
  • Travel emergency insurance cover up to US $500,000
  • Mastercard Buy 1 Get 1 free offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • MyUS Online shopping benefits and offers
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:

 

  • Earn 2.5 reward points for every 1 AED of spend internationally
  • Earn 1.75 reward points for every 1 AED of spend in UAE when the transaction amount is over AED 2,000
  • Earn 1 reward point for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 4th supplementary card onwards AED 105

MINIMUM SALARY

AED 8,000

RATE

3.45

ANNUAL FEE

AED 525

  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • AED 500 Cashback as Joining offer
  • Buy 1 Get 1 at costa coffee
  • 20% off on 3 Careem rides
  • Access to Visa concierge
  • VIP guest status in 900+ international properties

MINIMUM SALARY

AED 8,000

RATE

3.45

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.75 % / Min 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • VIP guest status over 900+ international properties to enjoy VIP guest status
  • Supported by Apple Pay, Samsung Pay, Google Pay and Fitbit Pay
  • Buy 1 Get 1 Free offer, at any of the 150+ Costa Coffee outlets in the UAE
  • Enjoy exclusive discounts of up to 20% at over 200 airport restaurants around the world with DragonPass
  • Ease your trip at 450+ destinations
  • multi-trip travel insurance
  • 24×7 personalised services with Visa Infinite Concierge.
  • Buyers Protection
  • Get 20% off 3 Careem rides and 30% off 3 Careem Food & Shop

Reward Features

2% cashback on international spends or transactions made in foreign currency
1% on all other domestic spend

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome offer: Up to 40,000 bonus Skywards Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Complimentary, unlimited worldwide lounge access
  • Complimentary access to top golfing courses across the UAE
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:

  • 15,000 Skywards Miles on payment of the joining fee( AED 735
  • 15,000 Skywards Miles on spending minimum USD 10,000 within the first three billing statements.
  • 10,000 Skywards Miles on spending minimum USD 3,750 on emirates.com or at any Emirates sales office in the UAE within the first twelve billing statements.

Key Features

  • Earn up to 1.5 Miles per USD 1 of retail spends
  • Unlimited complimentary access to over 1000 airport lounges in 300 cities
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and muscat.
  • Enjoy 4 complimentary valet parking services per month of 1 hour each at select popular shopping malls by simply presenting your Emirates NBD Credit Card(s) at the valet service.
  • Pick up & delivery of car for servicing & registration once a year
  • Complimentary golf access twice a month at select courses
  • Exclusive discounts at Lifeline Health Club Abu Dhabi
  • Salik auto top-up feature
  • 24-hour personalised premium concierge service
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 8% discount on hotel bookings made at Hotels.com
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover

Reward Features

Earn Skyward Miles
Per 1 USD of spend:

  • Earn 1.5 Miles on Emirates and flydubai spends
  • Earn 1.5 Miles on duty free, online food delivery and car booking apps spends
  • Earn 1 Mile on International spends
  • Earn 0.75 Miles on Domestic spends

Things To Be Aware Of

  • Golf access requires min spend of AED 5,000 per month

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 209

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • 50% off on movie tickets at Novo cinemas
  • 5 Smiles points on any spends at Etisalat or on Smiles app
  • Up to 2 Smiles points on international spends
  • Buy 1 Get 1 Free dining and lifestyle offers
  • Airport lounge access

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 209

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

  • 40,000 Smiles points subject to achieving spends of AED 1,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer.
  • 90 days of complimentary subscription to ' Unlimited Buy 1 Get 1 Offers ' worth AED 55
  • First year Free * (Annual fee of AED 199 waived for first year)
  • Free for life Supplementary cards

Key Features

  • 50% discount on 2 cinema tickets at Novo cinemas per calendar month. For more information: Click here . (To avail the benefit, calendar month spends of AED 2,000 are required)
  • Shopping & Dining: Discounts over 500+ lifestyle offers through CBD Mobile app.
  • Discount and savings at Emaar Attractions:
  • 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience
  • 20% discount on The Storm Coaster at Dubai Hills Mall
  • 20% discount at Dubai Ice Rink general admission tickets
  • 20% discount at Zabeel Sports District except badminton games
  • Get bonus credits at Play DXB when you purchase credits using CBD Credit Card.
  • Complimentary Insurance: ‘Purchase Protection’ & ‘Extended Warranty’ offered by Visa.
  • Complimentary Airport Lounge Access: Enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key. Each Cardholder (separately for Primary and Supplementary cardholders) shall be entitled for 8 complimentary visits per calendar year.
  • Multi-trip Travel Insurance: Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000
  • Purchase Protection: Doubles the repair period offered by original manufacture warranty, up to 1 year
  • Extended Warranty: Protects you from theft or accidental damage

Reward Features

5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)

  • Up to 2 Smiles points on all international spends.
  • Up to 1.5 Smiles points on all domestic spends.
  • Quarterly bonus of 7,500 Smiles points worth up to AED 75.

Redeem Smiles points:

  • Payment of Etisalat bills | Prepaid recharges | Food delivery
  • Purchase of Smart phones | Shopping vouchers & more
  • Groceries and Pharmacies
Apply Now

Apply through CBD mobile App