No. The CBD One card runs on a single, permanently free One Plan — no joining fee, monthly fee or annual fee applies.
- Joining Fee
- Free
- Annual Fee
- Free
- Minimum Salary
- AED 5,000
CBD One Credit Card
Free-for-life CBD One card: up to AED 135 cashback a month on noon, Careem, Netflix and more.
Updated Aug 2026
≈ AED 2,356 potential value / year · incl. perks
Welcome offer
0% Balance Transfer & Cash-on-Call
0% interest on 6- or 12-month Balance Transfer and Cash-on-Call plans, applied within 30 days of card issuance.
Apply via the CBD Mobile App within 30 days of card issuance. One-time processing fee: 1.99% (6-month) or 2.99% (12-month). Offer valid until 31 December 2026.
See full breakdownRewards
135AED
Cashback on spend at noon, Amazon, Careem, Uber, Booking.com, Talabat, Deliveroo and cinemas
Cashback equals your spend at these merchants, up to AED 135/month combined. Needs AED 5,000+ total monthly card spend; credited in the following month's third week.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
5,000AED
Minimum Income
Age requirement
21-65 for UAE Nationals (at card expiry) or 21-63 for UAE residents (at card issuance).
Self-employed applicants
Also eligible with a valid trade licence, Emirates ID, passport and visa.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
8 complimentary visits a year to 1,000+ airport lounges worldwide via the Visa Airport Companion app.
No minimum spend requiredMulti-Trip Travel Insurance
Cardholder and family covered for up to 90 days per trip, with cover up to USD 500,000.
Purchase Protection & Extended Warranty
Visa Signature cover against theft or accidental damage on purchases, plus doubled manufacturer warranty.
Visa Entertainer
2-for-1 dining and entertainment offers via the Visa Airport Companion app.
Fees
Free
Annual & Monthly Fee
Free for life on the single One Plan. All fees include VAT.
241.5AED
Late Payment Fee
304.5AED
Overlimit Fee
Card Replacement FeeAED 78.75
Liability Letter Request FeeAED 52.5
Cash Withdrawal FeeAED 204.75
Foreign Currency Transaction Fee3.5%*
*Also applies as the Dynamic Currency Conversion fee on non-AED transactions.
Credit Shield Insurance1%*
*Optional. 1% of the outstanding balance on the statement date.
Monthly Interest Rate (Purchases)3.85%*
*Equivalent to 46.20% APR.
Monthly Interest Rate (Cash Withdrawal)3.85%
Balance Transfer / Cash-on-Call Rate1.8%*
*Up to 1.8%/month (reducing-balance APR 0.00%-33.50%). One-time processing fee up to 9.45%; early settlement fee up to 1.05% of outstanding or AED 105.
Frequently Asked Questions
Get answers to common questions about CBD One Credit Card credit card
Other credit cards from this bank
CBD
CBD Super Saver Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Up to 10% Cashback on Bills, Education, Fuel.
- 50% off Cinema Tickets
CBD
CBD Yes Rewards Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first Year
- 20,000 Yes Rewards Welcome Bonus
- Save up to 15% on fuel.
- 50% off cinema tickets
CBD
CBD Visa Infinite Credit Card
- Salary: AED 15,000+
- No Annual Fee over AED 100,000 spends
- 3 Points per 1 AED spent
- Free Golf Rounds
- 50% Off Cinema Tickets
CBD
CBD Smiles Visa Signature Credit Card
- Salary: AED 5,000
- Free Annual Fee First Year
- 90-Day Free Smiles Unlimited Subscription
- Earn Smiles Points on AED Spending
- 20% Off Emaar Attractions
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