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. All other purchases earn a flat 1% in Yes Rewards.

You need a minimum monthly income of AED 5,000. The card's eligibility section doesn't list a minimum age or minimum credit limit requirement beyond that salary figure.

Cardholders get 4 complimentary golf rounds per month at The Track Meydan and Arabian Ranches Golf Clubs, which requires AED 7,500 in monthly spend. Cinema discounts (50% off at Vox, Reel and Novo) and 2 free valet parking sessions per month at over 30 locations both require AED 5,000 in monthly spend instead. The card also includes a 0% interest installment plan on purchases with no stated spend condition.

Cash withdrawals cost 3% of the amount withdrawn or a flat AED 105, whichever is higher. Foreign currency transactions carry a 2.99% fee, charged on international transactions in both AED and non-AED currencies. There's also a 1% Credit Shield Insurance charge calculated on your total outstanding balance, and a monthly interest rate of 3.85% if you carry a balance.