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Commercial Bank of Dubai

Free for life with up to 5 free supplementary cards and earn Smiles points on every AED spent

Annual fee
AED 199
Best earn rate
7.00 MilesDefault
Apply nowCompare card

Sources and verification

What this card page is based on

We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.

Last verified
Not verified yet
Latest source fetch
18 Sep 2026
Card termsPricing termsDefault reward source

Rewards

Rates by category

Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.

Categories
2
Best rate
7.00%
Top cap
AED 0
D

Default

Up to 7.00 Miles

Spend tier

Published reward rule

Rate

5.00 Miles/AED

Cap

No cap listed

5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends with monthly cap of 10,000 Smiles points

Source

Spend tier

Published reward rule

Rate

1.50 Miles/AED

Cap

No cap listed

Up to 1.5 Smiles per AED 1 on domestic spends, with certain categories earning 0.5 Smiles per AED 1

Source

Spend tier

Published reward rule

Rate

7.00 Miles/AED

Cap

No cap listed

7,500 Smiles points on achieving a cumulative spend of AED 27,500 in a quarter

Source
FC

Foreign Currency

Up to 2.00 Miles

Spend tier

Published reward rule

Rate

2.00 Miles/AED

Cap

No cap listed

Up to 2 Smiles per AED 1 on international spends

Source

Partner offers and other perks

These are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.

  • 20% discount on regular admission tickets at KidZania

    Stored as 20.00% · Default

  • 0% interest on Balance Transfer 6- and 12-month plans for new credit card customers within 30 days of card issuance

    Stored as 0.00% · Default

Benefits

Travel

Unravel Hotel Discount

Discount

AED 200 extra discount on hotel bookings with Unravel

Conditions: Discount valid for 90 days from issuance date. Discount code issued within 30 days of card issuance directly on Smiles app under Voucher section

Partner: Unravel

Lifestyle

CBD Mobile App Lifestyle Offers

Discount

Discounts on over 500 lifestyle offers through the CBD Mobile app

Conditions: Access through CBD Mobile app

Accelerated Earn

International Spend Rewards

Rewards

Up to 2 Smiles per AED 1 on international spends

Conditions: On international transactions

Smiles Points on Etisalat and Smiles app

Rewards

5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends with monthly cap of 10,000 Smiles points

Conditions: Monthly cap of 10,000 Smiles points

Partner: EtisalatPartner: SmilesPartner: elGrocer

Balance Transfer

Balance Transfer Promotional Rate

Promotional

0% interest on Balance Transfer 6- and 12-month plans for new credit card customers within 30 days of card issuance

Conditions: New credit card customers only. Apply within 30 days of card issuance. Offer valid until 30 June 2026. One time processing fee of 3.99% for 6-month plan and 6% for 12-month plan applies

Base Earn

Domestic Spend Rewards

Rewards

Up to 1.5 Smiles per AED 1 on domestic spends, with certain categories earning 0.5 Smiles per AED 1

Conditions: LIMCC such as supermarkets, govt., fuel, education, automobile, rental, insurance shall receive only 0.5 Smiles per AED 1

Cash Advance

Cash on Call Promotional Rate

Promotional

0% interest on Cash on Call 6 and 12-month plans for new credit card customers within 30 days of issuance

Conditions: New credit card customers only. Apply within 30 days of issuance. Offer valid until 30 June 2026. One time processing fee of 3.99% for 6-month plan and 6% for 12-month plan applies

Credit Protection

Credit Shield Insurance

Insurance

Protect yourself and your family against unforeseen events and insure your credit card outstanding balance with CBD credit shield benefit

Conditions: Pay 1% monthly fee of your credit card outstanding balance

Entertainment

KidZania Discount

Discount

20% discount on regular admission tickets at KidZania

Partner: KidZaniaPartner: Emaar

E-Kart Zabeel Discount

Discount

20% discount on regular admission tickets at E-Kart Zabeel

Partner: E-Kart ZabeelPartner: Emaar

Dubai Aquarium Penguin Experience Discount

Discount

20% discount on Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience

Partner: Dubai Aquarium and Underwater ZooPartner: Emaar

The Storm Coaster Discount

Discount

20% discount on The Storm Coaster at Dubai Hills Mall

Partner: Dubai Hills MallPartner: Emaar

Dubai Ice Rink Discount

Discount

20% discount at Dubai Ice Rink general admission tickets

Partner: Dubai Ice RinkPartner: Emaar

Play DXB Bonus Credits

Bonus

Get bonus credits at Play DXB when purchasing credits with CBD Credit Card. AED 200 gets AED 75 bonus, AED 300 gets AED 125 bonus, AED 400 gets AED 180 bonus, AED 500 gets AED 250 bonus

Partner: Play DXB

Extended Warranty

Visa Platinum Extended Warranty

Insurance

Complimentary extended warranty insurance offered by Visa

Conditions: Offered by Visa

Installment

Easy Installment Plan

Financing

Convert purchases into monthly instalments for up to 36 months at attractive rates

Conditions: Conditions apply

Milestone Bonus

Quarterly Bonus

Rewards

7,500 Smiles points on achieving a cumulative spend of AED 27,500 in a quarter

Conditions: Achieve cumulative spend of AED 27,500 in a calendar quarter

Purchase Protection

Visa Platinum Purchase Protection

Insurance

Complimentary purchase protection insurance offered by Visa

Conditions: Offered by Visa

Redemption

Smiles Points Redemption

Rewards

Redeem Smiles points for Etisalat bill payments, prepaid recharges, food delivery, smartphones, shopping vouchers, groceries, and pharmacies

Conditions: Redemption value governed by Smiles T&Cs

Sports

Zabeel Sports District Discount

Discount

20% discount at Zabeel Sports District except badminton games

Conditions: Except badminton games

Partner: Zabeel Sports DistrictPartner: Emaar

Active promotions

No verified active promotions yet.

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