Rewards
Commercial Bank of Dubai
Smiles Signature Credit Card
The Smiles Signature Credit Card is a rewards credit card from Commercial Bank of Dubai. It has an annual fee of AED 525, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 525
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Smiles Points
Card highlights
- Earn 10 Smiles Points per AED on Etisalat, Smiles app and elGrocer; 3 on international spend; 2 on general local spend
- 8 complimentary airport lounge visits a year via Lounge Key (primary and supplementary cardholders counted separately)
- Multi-trip travel insurance up to USD 500,000 for trips of up to 90 days
- 20% off Emaar attractions including KidZania, Dubai Aquarium and Dubai Ice Rink, plus bonus Play DXB credits
Earn rates
| Category | Rate |
|---|---|
| International spend | 3% |
| Travel | 2% |
| Retail | 2% |
| Transport | 2% |
| Online shopping | 2% |
| Real estate | 2% |
| Supermarket | 0.5% |
| Dining & food | 0.5% |
| Fuel | 0.5% |
| Utilities | 0.5% |
| Education | 0.5% |
Current welcome offer
First year free, with welcome perks on sign-up
- Annual fee of AED 525 waived for year 1 (then waived each year retail spend reaches AED 24,000)
- AED 200 hotel-booking discount via Smiles Unravel, code issued within 30 days and valid for 90 days
- Complimentary 90-day Smiles Unlimited subscription: Buy 1 Get 1 offers, free food and grocery delivery, waived home-service fees
- 0% interest on balance transfer and cash on call plans of 6 or 12 months, taken within 30 days of card issuance (processing fee: 1.99% for 6 months, 2.99% for 12 months)
- New credit card customers only, offer valid until 31 December 2026
Expected offer expiry: December 2026
Benefits & perks
- •8 complimentary airport lounge visits per year via Lounge Key / Visa Airport Companion (primary and supplementary cardholders counted separately)
- •Multi-trip travel insurance cover up to USD 500,000 for trips of up to 90 days
- •2-for-1 offers via Visa ENTERTAINER on the Visa Airport Companion app
- •20% off Emaar attractions (KidZania, Dubai Aquarium, Dubai Ice Rink and more) plus bonus Play DXB credits
- •Purchase protection (Visa Signature)
- •Extended warranty cover (Visa Signature)
- •Free-for-life supplementary cards
- •Easy instalment plan: convert purchases to monthly instalments for up to 36 months
- •Balance transfer facility
- •Cash on call facility
Every card is checked against official bank sources. Last updated September 2026.
Spotted something out of date or incorrect? Tell us and we’ll fix it.
See all rewards credit cards in the UAE →
More from Commercial Bank of Dubai
RewardsWelcome offer
CBD Visa Infinite Credit Card
- Earn 3 CBD Rewards Points per AED on international spend, 2.5 on domestic (excluding groceries, fuel, utilities and similar categories)
- 12 complimentary airport lounge visits a year via Visa Airport Companion (1,000+ lounges worldwide)
AED 787.50/yrView card
Updated September 2026
CashbackIslamicWelcome offer
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)
- Up to AED 300 cashback a month (AED 75 cap per category); min. AED 3,000 spend required
AED 420/yrView card
Updated September 2026
CashbackIslamicWelcome offer
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 3,000 min spend, AED 400/month cap)
- 8 airport lounge visits a year via Visa Airport Companion (1,200+ lounges, cardholder only)
AED 420/yrView card
Updated September 2026