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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service
AboutBlogOffersBanksCalculatorsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service

Get notified about UAE latest credit card products

Get notified about UAE latest credit card products

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CBD Yes Rewards Credit Card

Joining Fee

Free

Annual Fee

AED 199

Minimum Salary

AED 5,000

CBD Yes Rewards Credit Card

Fuel your savings with the CBD Yes Rewards Credit Card and say YES to savings of up to 15% on fuel and more at ENOC & EPPCO service stations. Enjoy a welcome bonus of AED 200 (20,000 Yes Rewards) and 50% off on cinema tickets.

Apply nowApply for CBD Yes Rewards Credit Card credit cardWebsiteVisit CBD Yes Rewards Credit Card credit card website

Is this card right for you?

A quick check before you apply — the more boxes you tick, the smoother the approval.

  • UAE resident with a salary of AED 5,000+

    Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. CBD Yes Rewards Credit Card expects AED 5,000+ monthly income.

  • Documents ready

    Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.

  • Clean recent credit record

    No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.

Welcome offer

AED 200

Get 20,000 Yes Rewards worth AED 200 as a welcome gift.

Offer valid for new cardholders on meeting minimum spend of 1 AED within 90 days of the card issuance.

Rewards

15%

on ENOC/EPPCO spends (for total monthly spends above AED 10,000).

Maximum reward cap of AED 175 (17,500 Yes Rewards) per month.

See full breakdown

10%

on ENOC/EPPCO spends (for total monthly spends between AED 2,500-9,999).

Maximum reward cap of AED 125 (12,500 Yes Rewards) per month.

See full breakdown

3%

on ENOC/EPPCO spends (for total monthly spends below 2,499).

Maximum reward cap of AED 75 (7,500 Yes Rewards) per month.

See full breakdown

1%

on all other spends.

Make sure to check T&C for eligible spends.

See full breakdown

July Spotlight

Emirates NBD

Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.

See all
ENBD noon One Visa Credit Card Design

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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

Salary: AED 5,000+

No Annual Fee

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features

Additional Benefits

Golf

4 complimentary rounds at The Track Meydan & Arabian Ranches Golf clubs per month.

Subject to AED 7,500 monthly spend

See full breakdown

Cinema Discounts

Enjoy 50% off cinema tickets at Vox, Reel and Novo cinemas.

Minimum spend of AED 5,000 is required in the calendar a month to avail this benefit.

See full breakdown

Free Valet Parking

Enjoy 2 complimentary valet parking services each month at over 30 locations.

Minimum spend of AED 5,000 is required in the calendar a month to avail this benefit.

See full breakdown

Airport Lounge Access

Enjoy 8 complimentary airport lounge visits to over 1,000 lounges globally.

See full breakdown

Easy Installment Plan

Convert your purchases into monthly installments at 0% interest.

Eligibility

5,000AED

Minimum Income

Fees

199AED

Annual Fee

Free for the first year, AED 199 thereafter

3.85%

Monthly Interest Rate

241.5AED

Late Payment Fee

Overlimit FeeAED 288.75
Card Replacement FeeAED 78.75
Cash Withdrawal FeeAED 105*

*3% of the withdrawn amount or a flat fee of AED 105, whichever is higher

Foreign Currency Transaction Fee2.99%*

*Charged on international transactions performed in AED and non-AED

Credit Shield Insurance1%*

*1% on the Total Outstanding Balance

Important Stuff

Terms & Conditions

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Key Facts Statement

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Fees & Charges

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FAQ

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Rewards Breakdown

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CBD

CBD One Credit Card

Salary: AED 5,000+

No Annual Fee

2-for-1 offers with the ENTERTAINER

Up to AED 500 cashback cap per month

50% off cinema tickets

ExploreLearn more about CBD One Credit Card credit card benefits and featuresApplyApply for CBD One Credit Card credit card
CBD Super Saver Credit Card Design

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

Complimentary Hotel Night

ExploreLearn more about CBD Super Saver Credit Card credit card benefits and featuresApplyApply for CBD Super Saver Credit Card credit card
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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

ExploreLearn more about CBD Visa Infinite Credit Card credit card benefits and featuresApplyApply for CBD Visa Infinite Credit Card credit card
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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

50% Off Tickets

ExploreLearn more about CBD Smiles Visa Signature Credit Card credit card benefits and featuresApplyApply for CBD Smiles Visa Signature Credit Card credit card

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