Commercial Bank of Dubai
CBD One Credit Card
The CBD One Credit Card is a cashback credit card from Commercial Bank of Dubai. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Min. monthly spend
AED 5,000
Card highlights
- 100% cashback at 20+ selected merchants (noon, Amazon, Uber, Netflix, Zomato and more), up to AED 135 a month
- Requires AED 5,000 total monthly spend to qualify; non-selected spend earns 0% cashback
- 8 airport lounge visits a year via Visa Airport Companion (1,000+ lounges); 1st visit free, further visits need 1 international transaction or USD 32 applies
- Multi-trip travel insurance up to USD 500,000 for cardholder and family, plus 20% off Emaar attractions
Earn rates
| Category | Rate |
|---|---|
| Travel | 100% |
| Retail | 100% |
| Dining & food | 100% |
| Transport | 100% |
| Online shopping | 100% |
Rewards on this card are capped at AED 135 a month across all categories (about AED 1,620 a year).
Current welcome offer
0% interest on Cash on Call and Balance Transfer plans for new customers
- 0% on 6-month plans (one-time processing fee of 1.99%)
- 0% on 12-month plans (one-time processing fee of 2.99%)
- Plans must be taken within 30 days of card issuance
- Cash on Call available up to 90% of your credit limit
- Offer valid until 31 December 2026
Expected offer expiry: December 2026
Benefits & perks
- •Full cashback at selected merchants (noon, Amazon, Careem and more): up to AED 135/month with AED 5,000 monthly spend
- •8 complimentary airport lounge visits per year via Visa Airport Companion, at 1,000+ lounges worldwide
- •Multi-trip travel insurance for cardholder and family: up to USD 500,000, trips up to 90 days
- •20% off Emaar attractions (KidZania, Dubai Aquarium, Dubai Ice Rink and more) plus bonus Play DXB credits
- •Visa Entertainer 2-for-1 offers via Visa Airport Companion app
- •Purchase protection cover
- •Extended warranty cover
- •0% easy payment plan
- •Balance transfer facility
- •Free for life, no annual fee
- •Choose your own card design
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 CBD One Credit Card earn?
A free-for-life CBD card that gives back 100% of what you spend at a list of selected merchants such as noon, Amazon, Uber, Careem, Talabat and Netflix, up to AED 135 a month in total, but only in a month with at least AED 5,000 of total card spending; all other spending earns nothing.
What does the Commercial Bank of Dubai CBD One Credit Card cost?
No annual fee and no joining fee; free for life, and no monthly fee. Interest is 3.85% a month.
What does spending abroad cost on the Commercial Bank of Dubai CBD One Credit Card?
Spending abroad costs about 4.83% all in: CBD's 3.675% on international transactions in AED and non-AED (its 3.5% fee plus 5% VAT), plus about 1.15% for Visa, which is Perkly's standard estimate because CBD says its fee is in addition to Visa's processing fee without giving a figure. Spending abroad earns no cashback unless it is at a selected merchant.
What should I watch out for with the Commercial Bank of Dubai CBD One Credit Card?
Nothing is earned in a month with under AED 5,000 of total card spending. The most you can get is AED 135 a month, however much you spend at the selected merchants. There is no cinema discount: CBD withdrew it from this card in May 2025, and the cinemas only appear on the cashback list.
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 10,000 minimum monthly spend
- 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
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