CBD Visa Infinite Credit Card review
Domestic spend earns 2.5 points per AED and international spend earns 3 points per AED, though a broad set of everyday categories such as supermarket, fuel, utilities and education earns a reduced 0.5 or 0.75 points. Points exclude balance transfers, cash advances and utility payments made through CBD digital channels, and they can be redeemed for Skywards Miles, cashback or vouchers.
The lifestyle package is extensive, with 12 lounge visits a year, four monthly rounds of golf at The Track Meydan and Arabian Ranches (with AED 10,000 monthly retail spend), 50% off VOX cinema tickets, complimentary valet parking, 24/7 concierge and 7% off Booking.com stays.
Multi-trip travel insurance up to USD 500,000 adds protection, and the AED 787.50 annual fee (free in year one) waives once annual spend passes AED 100,000, making it a rewarding card for affluent frequent travellers.
Card details
| Bank | CBD |
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| Card type | Premium |
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| Card network | Visa |
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| Minimum salary | AED 15,000 |
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| Annual fee | AED 787.50 |
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| Fee waiver | First year free. Annual fee of AED 787.50 (incl. VAT) from year 2, waived in subsequent years when annual card spend exceeds AED 100,000. |
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| Interest (monthly) | 3.85% |
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| Reward type | CBD Rewards Points |
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| Reward rate | Domestic spend: 2.5 CBD points per AED 1 (0.5 points per AED 1 on supermarket/grocery, government, utility bills, fuel, car rental, auto dealerships, insurance, quick-service restaurants and education). International spend: 3 points per AED 1 (0.75 points per AED 1 on the same special categories). Up to 3 points per AED 1.Points exclude Balance Transfer, Cash-on-Call, cash spend and utility bill payments made via CBD digital channels (online banking and the mobile app) Redeem CBD Rewards Points for Emirates Skywards Miles, or opt for cashback, vouchers and more |
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| Welcome bonus | First year annual fee freeAnnual fee of AED 787.50 (incl. VAT) applies from year 2 | Waived in subsequent years when annual card spend exceeds AED 100,000 |
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| Lounge access | 12 complimentary visits per calendar year to 1,000+ lounges via Visa Airport Companion / LoungeKey. The 1st and 2nd visits (or 1st plus one guest) are free; subsequent complimentary visits require a minimum USD 1 international spend; USD 32 per person per visit is charged beyond 12 visits or if the condition is unmet. |
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| Quick cash | Cash on Call 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%), until 30 June 2026. |
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| Instalment plan | Easy installment plan 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 787.50 (incl. VAT) applies from year 2 | Waived in subsequent years when annual card spend exceeds AED 100,000
CBD Visa Infinite Credit Card benefits
✓Up to 3 CBD Rewards Points per AED 1, redeemable for Emirates Skywards Miles
✓12 complimentary airport lounge visits per year
✓4 complimentary rounds of golf per month at The Track Meydan and Arabian Ranches (with AED 10,000 monthly retail spend)
✓50% off up to 6 VOX cinema tickets per month
✓Complimentary Valtrans valet parking 3x per month at Dubai airports and more
✓24/7 global concierge and premium travel privileges
✓7% off accommodation at Booking.com
✓Multi-trip travel insurance, 90 days, up to USD 500,000
Offers and payment options
Quick cashCash on Call 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%), until 30 June 2026.
Instalment planEasy installment plan over up to 36 months; interest up to 1.8% per month on the reducing balance
CBD Visa Infinite Credit Card 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 suits high earners in the UAE who want premium travel and lifestyle privileges plus points transferable to Emirates Skywards.
What works well
- ✓Strong points earning of up to 3 per AED convertible to Emirates Skywards Miles
- ✓Rich premium perks spanning golf, valet, cinema, 12 lounge visits and concierge
- ✓Annual fee waivable with AED 100,000 spend
What to weigh up
- −Higher AED 15,000 salary requirement and AED 787.50 fee
- −Reduced 0.5/0.75 points on everyday categories such as supermarket, fuel, utilities and education
- −Golf and lounge perks require meeting monthly or international spend conditions
CBD Visa Infinite Credit Card eligibility
Minimum salary of AED 15,000 (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 Visa Infinite Credit Card FAQs
Minimum salary of AED 15,000 (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 787.50. First year free. Annual fee of AED 787.50 (incl. VAT) from year 2, waived in subsequent years when annual card spend exceeds AED 100,000.
Domestic spend: 2.5 CBD points per AED 1 (0.5 points per AED 1 on supermarket/grocery, government, utility bills, fuel, car rental, auto dealerships, insurance, quick-service restaurants and education). International spend: 3 points per AED 1 (0.75 points per AED 1 on the same special categories). Up to 3 points per AED 1.
It suits high earners in the UAE who want premium travel and lifestyle privileges plus points transferable to Emirates Skywards.
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.
