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CBD Smiles Visa Signature Credit Card

CBDVisaSignature

The annual fee for CBD Smiles Visa Signature Credit Card is AED 525, including 5% VAT. AED 500 + 5% VAT from second year onwards; can be waived on annual minimum retail spend of AED 24,000. The bank asks for a minimum monthly salary of AED 5,000.

Go to the bank's page
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.
Annual feeAED 525incl. VAT · First year free
Min. salaryAED 5,000
Monthly rate3.85%46.2% a year
Foreign fee3.5%

Rewards

  • 10 Smiles points on Etisalat channels, Smiles app and elGrocerUp to 3 Smiles points on international spends; up to 2 on domestic spends; quarterly bonus of 5,000 points on AED 10,000 cumulative spendCap: 25,000 Smiles points per month on the 10-point categories

Benefits the bank lists

  • Up to 8 complimentary visits per calendar year at over 1,000 airport lounges via LoungeKey
  • Multi-trip travel insurance up to USD 500,000 for cardholder and family
  • 90-day complimentary Smiles Unlimited subscription
  • Purchase protection and extended warranty
  • 20% discount at Emaar Attractions

Questions people ask

What is the annual fee for the CBD Smiles Visa Signature Credit Card?

The annual fee for CBD Smiles Visa Signature Credit Card is AED 525, including 5% VAT. AED 500 + 5% VAT from second year onwards; can be waived on annual minimum retail spend of AED 24,000.

What salary do I need for the CBD Smiles Visa Signature Credit Card?

The bank asks for a minimum monthly salary of AED 5,000.

What is the interest rate on the CBD Smiles Visa Signature Credit Card?

The interest rate on purchases is 3.85% a month, which is 46.2% a year.

Does the CBD Smiles Visa Signature Credit Card charge a foreign transaction fee?

Purchases in a foreign currency carry a fee of 3.5% of the amount.

Fee conditions

AED 500 + 5% VAT from second year onwards; can be waived on annual minimum retail spend of AED 24,000

Sources

Where a bank does not publish a figure, we leave it blank instead of guessing.

Other cards from CBD

CBD One Credit CardCBD
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee3.5%
Up to AED 135 cashback every month at selected merchants
CBD Al Islami Super Saver Credit CardCBD · Islamic
Annual feeAED 420incl. VAT
Min. salaryNot published
Monthly rate3.45%
Foreign fee2.75%
Cashback on B.E.S.T categories (bills, education, supermarket, transport)