CBD Super Saver Credit Card

The Super Saver earns up to 10% cashback on bills, education, supermarkets and fuel, with 8 annual airport lounge visits via Visa Airport Companion.

The rate scales with your monthly card spend: 3% at AED 3,000-9,999 (AED 75 cap per category, AED 300 total), 5% at AED 10,000-19,999 (AED 100 cap per category, AED 400 total), and 10% at AED 20,000 or more (AED 150 cap per category, AED 600 total per month). It covers bills, education, supermarkets and fuel.

You need a minimum monthly salary of AED 5,000 and to be at least 21 years old to apply.

The annual fee is waived for the first year, then AED 420 a year thereafter.

Beyond the annual fee, the Super Saver charges 3.85% monthly interest on carried balances, a 3.5% fee on international transactions in AED and non-AED currencies, and AED 204.75 per ATM cash withdrawal. There's also a late payment fee of AED 241.50 if you miss the minimum amount due by the payment due date, and a card replacement fee of AED 78.75.

The card also offers an Easy Installment Plan, letting you spread eligible purchases over up to 12 months.