- Joining Fee
- Free
- Annual Fee
- Free
- Minimum Salary
- AED 8,000
CBI Mastercard Titanium Credit Card
CBI's no-annual-fee Mastercard, with Talabat, Booking.com, IHG and Avis offers and cinema cashback for Edge customers.
Updated Oct 2026
At a glance
Fees and eligibility
Joining FeeFree
Annual FeeFree
Minimum SalaryAED 8,000
Monthly Interest Rate
3.45%
International Transaction Fee (non-AED)
2.99%
Rewards
Back on cinema, streaming and valet for Edge and CBI First customers, up to AED 300 a month100%
Top benefits
Cinema, Streaming and Valet Cashback
Talabat, Costa and Shahid Offers
Booking.com and IHG
Avis Car Rental
Priceless Specials
Rewards
100%
back on cinema, streaming and valet for Edge and CBI First customers, up to AED 300 a month.
Up to AED 75, 150 or 300 a month at statement spend of AED 4,000, 8,000 or 12,000, within AED 1,800 a year, to 31 December 2026. The card does not earn CBI Rewards points.
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Eligibility
8,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
October Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Additional Benefits
Cinema, Streaming and Valet Cashback
Edge and CBI First customers: up to AED 300 a month back on cinema, streaming and valet.
Cinema, Amazon Prime, Netflix, OSN and valet spend refunded up to AED 75, 150 or 300 a month at statement spend of AED 4,000, 8,000 or 12,000, within AED 1,800 a year. Edge and CBI First customers, to 31 December 2026.
See full breakdownTalabat, Costa and Shahid Offers
20% off one Talabat order a month, a Costa Coffee item, 50% off Shahid VIP.
20% off one Talabat food or grocery delivery order a month, up to one complimentary Costa Coffee food or drink item on presenting the card, and 50% off the Shahid VIP premium monthly package.
Booking.com and IHG
10% cashback on Booking.com stays and 15% off IHG Hotels & Resorts.
10% cashback when booking a stay on Booking.com, and 15% off IHG Hotels and Resorts bookings.
Avis Car Rental
Up to 20% off and a complimentary upgrade with Avis.
Up to 20% discount and a complimentary upgrade when renting with Avis.
Priceless Specials
Mastercard dining, fitness, beauty, hotel and attraction offers.
Offers on dining, fitness, beauty, hotels and attractions across the Middle East and Africa through the Mastercard Priceless Specials app.
Fees
Free
Annual Fee
No annual fee.
26.25AED
Supplementary Card
First 3 supplementary cards free; AED 26.25 a year for each card after that.
3.45%
Monthly Interest Rate
3.45% per month (41.40% per annum); 3.70% per month after a missed payment. Interest-free period of up to 55 days.
Cash Interest Rate3.75%*
*3.75% per month (45.00% per annum), charged from the transaction date; 3.95% per month after a missed payment.
Minimum Payment4.5%*
*4.5% of the principal balance plus fees and charges, or AED 100, whichever is higher.
Cash Advance Fee3.15%*
*3.15% of the amount or AED 105, whichever is higher.
Late Payment FeeAED 230*
*Charged if the minimum amount due is not received by the payment due date.
Over Limit FeeAED 313.95*
*Charged when usage exceeds the credit limit.
International Transaction Fee (non-AED)2.99%*
*2.99% of the transaction amount, in addition to the Mastercard processing fee of approximately 1.15% and any acquirer mark-up.
Foreign Currency Transaction Fee (AED abroad)2.99%*
*2.99% on international transactions processed in AED.
Card ReplacementAED 78.75
Duplicate StatementAED 47.25
Sales Voucher CopyAED 52.5
Liability LetterAED 52.5
Balance Transfer0%*
*0% for 3 months, once within the first 6 months of card issuance.
Balance Transfer Instalments0.99%*
*0.99% a month flat for up to 36 months, plus a 1% processing fee.
Easy Payment Plan1%*
*1% a month flat for up to 36 months; 0% at selected partner outlets.
Cash to Account1%*
*1% a month flat for up to 36 months, plus a 1% processing fee.
Credit Shield0.85%*
*Optional; 0.85% of the statement balance.
Frequently Asked Questions
Get answers to common questions about CBI Mastercard Titanium Credit Card credit card
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