CBI Rewards World Credit Card

2.5 points per AED 1 on foreign-currency spend, 1.75 points per AED 1 on a single UAE transaction of AED 2,000 or more, and 1 point per AED 1 on other UAE spend.

On the CBI Rewards website or app, for flights, hotels, shopping, gift cards, utility bills, charity or cashback to the card. Cashback starts at 15,000 points, in further bundles of 5,000. Points last 36 months from the date they are earned.

The World card costs AED 840 a year and earns 1 point per AED 1 in the UAE and 2.5 abroad. The Rewards Platinum has no annual fee and earns 0.5 and 1, or 1 and 2 with its optional Rewards Accelerator.

Edge and CBI First customers. Edge needs a monthly salary transfer of AED 15,000 or more to CBI, or a relationship balance of AED 100,000 or more. Cinema, streaming and valet spend is refunded up to AED 75, 150 or 300 a month at statement spend of AED 4,000, 8,000 or 12,000.

Retail purchases accrue 3.45% a month (41.40% a year) and cash withdrawals 3.75% a month, with an interest-free period of up to 55 days when the balance is paid in full.

CBI charges 2.99% on foreign-currency transactions and on international transactions processed in AED, in addition to Mastercard's processing fee of approximately 1.15%.

Yes. A balance transfer is 0% for 3 months if taken once within the first 6 months of issuance. Instalment balance transfers cost 0.99% a month flat for up to 36 months, plus a 1% processing fee.