Commercial Bank of Dubai
Al Islami Super Saver Credit Card
Benefits unlock at AED 10,000 minimum monthly spend
The Al Islami Super Saver Credit Card is a cashback credit card from Commercial Bank of Dubai. It has an annual fee of AED 420.
Annual fee
AED 420
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Min. monthly spend
AED 10,000
Minimum salary: Commercial Bank of Dubai publishes no minimum salary for this card; AED 5,000 is the UAE's minimum for any credit card.
Card highlights
- 5% cashback on bills, education, supermarkets and fuel (AED 10,000-19,999 monthly spend; AED 100 cap per category, AED 400 total)
- 8 complimentary airport lounge visits a year via Visa Airport Companion (1,200+ lounges); note: visits 2-8 require a prior USD 1 international spend
- Multi-trip travel insurance up to USD 500,000 for cardholder and family, covering 90 days from date of travel
- 20% off Emaar attractions, 2-for-1 via ENTERTAINER app, and up to 12% off at Agoda.com
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Supermarket | 5% | AED 100 |
| Fuel | 5% | AED 100 |
| Utilities | 5% | AED 100 |
| Education | 5% | AED 100 |
Rewards on this card are capped at AED 400 a month across all categories (about AED 4,800 a year).
Current welcome offer
Free for the first year
Benefits & perks
- •8 complimentary airport lounge visits per year via Visa Airport Companion (1,200+ lounges worldwide)
- •Multi-trip travel insurance for cardholder and family: up to USD 500,000, 90 days per trip
- •2-for-1 offers via the ENTERTAINER app powered by Visa
- •20% off regular admission at Emaar attractions (KidZania, Dubai Aquarium, Dubai Ice Rink and more)
- •Up to 12% off at Agoda.com
- •Up to 8% off at Hotels.com
- •Purchase protection
- •Extended warranty cover
- •Instalment payment plans at Sharia-compliant Murabaha profit rates
- •Balance transfer at Sharia-compliant Murabaha profit rates
- •Cash on call at Sharia-compliant Murabaha profit rates
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the Commercial Bank of Dubai Al Islami Super Saver Credit Card earn?
A CBD Islamic cashback card, free in the first year and AED 420 a year after, that pays cashback only on 4 categories (bills, education, supermarkets and fuel): 3%, 5% or 10% depending on your total card spending that month, with per-category and monthly caps, nothing below AED 3,000 of monthly spending and nothing at all on other spending.
What does the Commercial Bank of Dubai Al Islami Super Saver Credit Card cost?
No annual fee in the first year; AED 420 a year from the second year, including VAT. CBD waives the fee in a year you reach a minimum annual spend it sets for the card, but Perkly has no record of the figure. No joining fee. Monthly Murabaha profit rate 3.45%. A late payment is charged as a donation to charity of AED 157.50.
What does spending abroad cost on the Commercial Bank of Dubai Al Islami Super Saver Credit Card?
Spending abroad costs about 3.9% all in: CBD's 2.75% on non-AED transactions and on AED transactions with merchants outside the UAE, plus Visa scheme charges, which CBD does not size, so the 1.15% is Perkly's standard estimate. Spending abroad earns no cashback unless it falls in one of the 4 categories.
What should I watch out for with the Commercial Bank of Dubai Al Islami Super Saver Credit Card?
Only bills, education, supermarkets and fuel earn anything; dining, shopping, travel and everything else earn 0%. The rate depends on TOTAL card spending in the month, and below AED 3,000 nothing is earned at all. Cashback expires 12 months after it is earned.
More from Commercial Bank of Dubai
CBD Al Islami Super Saver Credit Card
Benefits unlock at AED 3,000 minimum monthly spend
- 3% cashback on bills, education, supermarkets and fuel (AED 3,000-9,999 monthly spend; AED 75 per category, AED 300 total per month)
- 8 airport lounge visits a year via Visa Airport Companion (1,200+ lounges); visits 2-8 require a prior USD 1 international transaction
Updated October 2026
CBD Al Islami Super Saver Credit Card
Benefits unlock at AED 20,000 minimum monthly spend
- 10% cashback on bills (water/electricity), education, supermarkets and fuel above AED 20,000/month; AED 150 per category, AED 600 total per month
- 8 airport lounge visits a year (1,200+ lounges) via Visa Airport Companion; multi-trip travel insurance up to USD 500,000
Updated October 2026
CBD Super Saver Credit Card
Benefits unlock at AED 3,000 minimum monthly spend
- 3% cashback on bills (water and electricity), education, supermarkets and fuel at AED 3,000-9,999 monthly spend, capped at AED 75 per category (AED 300/month)
- 8 complimentary airport lounge visits a year via Visa Airport Companion (visit 2 onwards requires a prior USD 1 international spend)
Updated November 2026