CBD Yes Rewards Credit Card

The annual fee is AED 208.95, but it's waived entirely in your first year. From year two onward, the fee is waived again if you spend AED 12,000 or more on the card during the year. There's no joining fee at all.

New cardholders receive 20,000 Yes Rewards, worth AED 200, simply by making a minimum spend of AED 1 within 90 days of getting the card. The threshold is nominal, so it's mostly about activating the card promptly after approval.

Fuel rewards scale with your total monthly spend: 15% back (capped at AED 175, or 17,500 Yes Rewards) if you spend over AED 10,000 that month, 10% back (capped at AED 125) for spend between AED 2,500 and 9,999, and 3% back (capped at AED 75) below AED 2,499. Other eligible purchases earn up to 1%; government, bills, education, groceries, other fuel, automotive, rental, real estate and quick-service restaurants earn no points.

You need a minimum monthly income of AED 5,000.

Cardholders get up to 8 annual lounge visits via Visa Airport Companion, plus travel insurance, extended warranty and purchase protection. CBD's current cinema, golf and valet terms no longer include Yes Rewards, despite older benefit copy still visible on the product page.

ATM cash withdrawals cost AED 204.75. International transactions in both AED and non-AED currencies carry a 3.5% fee, plus any card-scheme processing charge. There's also a 1% Credit Shield Insurance charge if you opt in, and a monthly interest rate of 3.85% if you carry a balance.