CBD Smiles Visa Signature Credit Card

Key facts

Min salary

AED 5,000/mo

Annual fee

AED 525/yr (1st year free)

Salary transfer

Not required

FX fee

3.5%

Monthly interest

3.85%

Interest-free days

55 days

Welcome offer

90-day complimentary Smiles Unlimited subscription + AED 200 hotel discount on Unravel (valid 90 days from issuance)

Fee waiver

Waived from 2nd year if annual spend >= AED 24,000

Earn rates

• Bills & telecom

  No cap

  10 Smiles Points per AED 1 on Etisalat channels, Smiles app, and elGrocer. Monthly cap 25,000 Smiles Points.
  10 pts / AED
• Everything else

  No cap

  Up to 3 Smiles Points per AED 1 on international spends; up to 2 Smiles Points per AED 1 on domestic spends.
  3 pts / AED

Perks

• 8 Complimentary Airport Lounge Visits: 8 complimentary lounge visits per year via Visa Airport Companion.
• Smiles Unlimited Subscription: 90-day complimentary Smiles Unlimited subscription (Buy 1 Get 1 offers, free delivery, etc.) on card issuance.