CBD One Credit Card (Visa Signature) review
Cashback of up to AED 135 a month is earned at a curated list of selected merchants that spans noon, Amazon, Careem, Uber, Talabat, Netflix, Spotify, Starbucks and more, provided you meet a AED 5,000 minimum monthly spend. Cashback is credited once a month, and to reach the full AED 135 your qualifying merchant spend must equal or exceed that amount, otherwise cashback matches the spend value.
Despite carrying no annual or monthly fee, the card still bundles premium extras, including 8 airport lounge visits a year via Visa Airport Companion, multi-trip travel insurance up to USD 500,000, purchase protection and Emaar attraction discounts.
With a low AED 5,000 salary requirement and a choice of card designs, it is an easy no-cost pick for residents whose spending naturally lands with the selected lifestyle merchants.
Card details
| Bank | CBD |
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| Card type | Cashback |
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| Card network | Visa |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life with no annual or monthly fee |
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| Interest (monthly) | 3.85% |
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| Reward type | Cashback |
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| Reward rate | Up to AED 135 cashback per month on spend at selected merchantsCashback is earned on qualifying transactions at selected merchants only, and the cardholder must meet a minimum monthly spend of AED 5,000. Cashback is credited once per month. Selected merchants: noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, Zomato, Talabat, Deliveroo, Netflix, Prime Video, Spotify, Novo Cinema, Vox Cinema, Reel Cinema, Roxy Cinema, Starbucks, Caribou Coffee, Tim Hortons, Costa Coffee, ClassPass and Fitness First. Eligible transactions include allowed digital wallet, online and POS transactions per the product T&Cs. Up to AED 135 cashback per month To earn the maximum cashback, spend at the selected merchants must equal or exceed the maximum eligible cashback amount; if it is lower, cashback equals the qualifying spend value. Cashback is restricted to the value of qualifying transactions up to the credit limit. |
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| Lounge access | 8 complimentary visits per year to 1,000+ airport lounges globally via the Visa Airport Companion app |
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| Quick cash | Cash on Call (quick cash) up to 90% of the limit, repayable over up to 36 months. New-customer welcome: 0% interest on 6- and 12-month plans within 30 days of issuance (processing fee 3.99% / 6%), until 30 June 2026. |
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| Balance transfer | Balance Transfer with 3-36 month plans. New-customer welcome: 0% interest on 6- and 12-month plans within 30 days of issuance (processing fee 3.99% / 6%), valid until 30 June 2026. |
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| Instalment plan | 0% easy payment plan / instalments over up to 36 months (conditions apply) |
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CBD One Credit Card (Visa Signature) benefits
✓Free for life with no annual fee
✓Up to AED 135/month cashback at popular merchants (needs AED 5,000 monthly spend)
✓8 complimentary airport lounge visits per year via Visa Airport Companion
✓Multi-trip travel insurance for cardholder and family, 90 days, up to USD 500,000
✓Purchase protection and extended warranty
✓Choice of card designs
✓20% discount at Emaar attractions
Offers and payment options
Quick cashCash on Call (quick cash) up to 90% of the limit, repayable over up to 36 months. New-customer welcome: 0% interest on 6- and 12-month plans within 30 days of issuance (processing fee 3.99% / 6%), until 30 June 2026.
Balance transferBalance Transfer with 3-36 month plans. New-customer welcome: 0% interest on 6- and 12-month plans within 30 days of issuance (processing fee 3.99% / 6%), valid until 30 June 2026.
Instalment plan0% easy payment plan / instalments over up to 36 months (conditions apply)
CBD One Credit Card (Visa Signature) fees & charges
| Annual percentage rate (APR) | 46.20% |
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| Cash advance fee | AED 204.75 (cash withdrawal fee via ATM); interest 3.85% per month on cash advance |
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| Late payment fee | AED 241.50 |
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| Over-limit fee | AED 304.50 |
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| Foreign currency fee | 3.5% (foreign currency transaction fee); 1% dynamic currency conversion fee |
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| Card replacement fee | AED 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It is ideal for everyday UAE spenders who want a no-fee card with cashback on subscriptions, delivery, ride-hailing and coffee.
What works well
- ✓No annual fee, ever
- ✓Meaningful cashback on everyday lifestyle and subscription merchants
- ✓Free airport lounge access despite being fee-free
What to weigh up
- −Cashback limited to a fixed list of selected merchants
- −Requires AED 5,000 monthly spend and caps at AED 135 per month
CBD One Credit Card (Visa Signature) eligibility
Minimum salary of AED 5,000 (confirmed salaried employee). UAE National aged 21-65 at card expiry or UAE resident aged 21-63 at card issuance.
▤National ID or valid passport▤Residence visa▤Emirates ID▤Valid trade licence (if self-employed)
CBD One Credit Card (Visa Signature) FAQs
Minimum salary of AED 5,000 (confirmed salaried employee). UAE National aged 21-65 at card expiry or UAE resident aged 21-63 at card issuance.
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Up to AED 135 cashback per month on spend at selected merchants
It is ideal for everyday UAE spenders who want a no-fee card with cashback on subscriptions, delivery, ride-hailing and coffee.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
