CBD Super Saver Credit Card (Visa Signature) review
Cashback rates rise with your Monthly Total Spend, moving from 3% at AED 3,000-9,999.99 to 5% at AED 10,000-19,999.99 and a headline 10% once you reach AED 20,000, while spend below AED 3,000 earns nothing. Only Qualifying Transactions in the B.E.S.T categories earn cashback, and the definitions are specific: bills mean water, electricity and telecom, and education means accredited school and university fees, with many everyday sub-categories excluded.
Rewards are capped at AED 150 per category per month and AED 600 per customer each month, equal to AED 7,200 a year, and each spend tier carries its own lower per-category limits. Non-B.E.S.T purchases earn no cashback but still count toward reaching the higher tiers.
Beyond cashback, the card adds 8 lounge visits a year, multi-trip travel insurance up to USD 500,000, purchase protection, Emaar attraction discounts and free-for-life supplementary cards, making it a strong essentials card for higher-spending households willing to work within tight caps.
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 | AED 420 |
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| Fee waiver | First year free. Annual fee of AED 420 (incl. VAT) from year 2, waived each year subject to achieving the minimum annual spend assigned to the card variant. |
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| Interest (monthly) | 3.85% |
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| Reward type | Cashback |
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| Reward rate | Tiered cashback on B.E.S.T categories (Bills, Education, Supermarket, Transport/fuel), with the rate set by Monthly Total Spend across B.E.S.T and non-B.E.S.T: AED 3,000-9,999.99 = 3%; AED 10,000-19,999.99 = 5%; AED 20,000+ = 10%; below AED 3,000 = 0%A minimum Monthly Total Spend of AED 3,000 is required to earn any cashback. Only Qualifying Transactions in B.E.S.T categories earn cashback: Bills covers water/electricity and telecom only (chiller, LPG gas and drinking water excluded); Education covers school/college/university fees in the UAE and abroad only (driving classes, training centres, stationery, uniforms, transport fees and sports/music academies excluded); Supermarket; and Transport covers fuel/gas stations. Non-B.E.S.T spend (airlines, hotels, dining, shopping) earns no cashback but counts toward the monthly spend tier. Based on posting date within the calendar month. Maximum AED 150 cashback per B.E.S.T category per month and maximum AED 600 per customer per calendar month (AED 7,200 per year). Per-tier per-category and per-customer caps: 3% tier = AED 75/category and AED 300/month; 5% tier = AED 100/category and AED 400/month; 10% tier = AED 150/category and AED 600/month. Cashback is credited in AED and can be redeemed against the card outstanding balance or used to pay for card purchases |
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| Welcome bonus | First year annual fee freeAnnual fee of AED 420 (incl. VAT) applies from year 2 | Waived each year subject to achieving the minimum annual spend assigned to the card variant |
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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 up to 90% of the credit 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 repayment plans (processing fee may apply). New-customer welcome offer: 0% interest on 6- and 12-month plans within 30 days of card issuance (one-time processing fee 3.99% and 6% respectively), valid until 30 June 2026. |
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| Instalment plan | Easy installment plan converting purchases into instalments over up to 36 months; interest up to 1.8% per month on the reducing balance |
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Welcome bonus: First year annual fee free
Terms: Annual fee of AED 420 (incl. VAT) applies from year 2 | Waived each year subject to achieving the minimum annual spend assigned to the card variant
CBD Super Saver Credit Card (Visa Signature) benefits
✓Up to 10% cashback on bills, education, supermarket and fuel (max AED 600/month)
✓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 that doubles the manufacturer warranty up to 1 year
✓20% discount at Emaar attractions including KidZania, Dubai Aquarium and Dubai Ice Rink
✓Visa Entertainer 2-for-1 offers
✓Free-for-life supplementary cards
Offers and payment options
Quick cashCash on Call up to 90% of the credit 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 repayment plans (processing fee may apply). New-customer welcome offer: 0% interest on 6- and 12-month plans within 30 days of card issuance (one-time processing fee 3.99% and 6% respectively), valid until 30 June 2026.
Instalment planEasy installment plan converting purchases into instalments over up to 36 months; interest up to 1.8% per month on the reducing balance
CBD Super Saver 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 designed for UAE households with heavy utility, school-fee, grocery and fuel spending who want capped but high cashback.
What works well
- ✓High headline cashback of up to 10% on everyday essential categories
- ✓First year free with a modest AED 420 fee thereafter
- ✓Low entry salary of AED 5,000
What to weigh up
- −The 10% rate requires AED 20,000 monthly spend, with realistic tiers at 3-5%
- −Cashback hard-capped at AED 600 per month and AED 150 per category
- −Narrow eligible categories with many exclusions such as LPG gas and driving schools
CBD Super Saver 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 Super Saver 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 listed annual fee is AED 420. First year free. Annual fee of AED 420 (incl. VAT) from year 2, waived each year subject to achieving the minimum annual spend assigned to the card variant.
Tiered cashback on B.E.S.T categories (Bills, Education, Supermarket, Transport/fuel), with the rate set by Monthly Total Spend across B.E.S.T and non-B.E.S.T: AED 3,000-9,999.99 = 3%; AED 10,000-19,999.99 = 5%; AED 20,000+ = 10%; below AED 3,000 = 0%
It is designed for UAE households with heavy utility, school-fee, grocery and fuel spending who want capped but high cashback.
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.
