CBD Smiles Visa Signature Credit Card

AED 5,000 per month for salaried applicants. CBD accepts self-employed applicants too, though it does not publish a separate minimum income figure for that group.

Yes. The first year is free. From year two, the AED 525 annual fee is waived if you spend AED 24,000 or more on retail purchases during the year.

Smiles Points can be redeemed for bill payments, mobile recharges, food delivery, smartphones, groceries, pharmacies and shopping vouchers via the Smiles app, and remain valid for 24 months. CBD does not publish a fixed AED-per-point conversion rate.

Yes. Cardholders get 8 complimentary airport lounge visits per year via LoungeKey, plus multi-trip travel insurance up to USD 500,000 and a 24/7 global concierge service.

You earn 10 Smiles Points per AED on Etisalat (e&), the Smiles app and elGrocer, capped at 25,000 points a month. International purchases earn 3 points per AED, and domestic UAE purchases earn 2 points per AED. On top of that, spending AED 10,000 cumulatively in a quarter triggers a one-off bonus of 5,000 Smiles Points.

New cardholders get a 90-day complimentary subscription to Smiles Unlimited, CBD's tier within the Smiles loyalty programme. You can also move balances from other cards or use Cash-on-Call at 0% interest for 6 or 12 months, as long as it's activated within 30 days of getting the card.