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CBD Smiles Visa Platinum


& Savings over AED 1,000


  • 20,000 Bonus Smiles points on card issuance
  • 50,000 Bonus Smiles points on achieving spends of AED 7,500* within 90 days from card issuance date
  • 1 year complimentary subscription to ' Unlimited Buy 1 Get 1 Offers ' worth AED 200
  • Discount coupon worth AED 100 from Yallacompare
  • Waiver of Annual Fee of AED 199**
  • Free for life Supplementary cards

Earn Smiles points on every AED spent

  • 5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)
  • Up to 2 Smiles points on all international spends
  • Up to 1.5 Smiles points on all domestic spends
  • Quarterly bonus of 7,500 Smiles points worth up to AED 75


Redeem Smiles points for

  • Payment of Etisalat bills, Prepaid recharges, Food delivery
  • Purchase of Smart phones, Shopping vouchers & more
  • Airline & hotel bookings


Lifestyle Benefits

  • 50% discount on 2 cinema tickets at Novo cinemas per calendar month. For more information:
     Click here . (To avail the benefit calendar month spends of AED 2,000 are required)
  • Shopping & Dining: Discounts across over 500+ lifestyle offers through CBD mobile app
  • Complimentary Insurance: ‘Purchase Protection’ & ‘Extended Warranty’ offered by Visa
  • Other Visa offers: visit for other lifestyle and travel offers on Visa Platinum Credit Card.
  • Credit Shield: Protect yourself and your family against unforeseen events and insure your credit card outstanding balances with CBD credit shield. To know more click here


We kindly request you to carefully read and understand this document, If you are applying for a Credit Card (CARD) from Commercial Bank of Dubai
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all fields marked with * are mandatory.

Terms and Conditions

  • * Cumulative spends of AED 7500 to be achieved within 90 days from card issuance date. Only retail spends are considered. Balance transfers, cash on call, cash transactions and bill payments made through CBD Channels will not be considered.
  • ** Annual Fee: Smiles Platinum Credit Card is offered first year free. Annual Fee of AED 199 will be levied in the beginning of second year and thereon in beginning of each year. Annual Fee shall be waived automatically upon achieving an annual cumulative spend of AED 12,000 in the previous year.
  • Quarterly bonus: 7,500 Smiles points is offered in the beginning of every calendar quarter on achieving a cumulative spend of AED 27,500 in the previous calendar quarter.
  • Subscription to ‘Unlimited Buy 1 Get 1’: provided by Smiles in the Smiles app within 3 working days from card issuance date. Smiles shall initially activate the subscription for 90 days and during the end of 90 days Smiles shall extend the subscription for additional 9 months subject to cardholder continuing to use Smiles Platinum card for purchases.
  • AED 100 discount for discount voucher shall be issued in the ‘voucher’ section of Smiles app and shall be valid for 1 year from date of issuance

CBD Smiles Visa Platinum Card Fees
 Primary card annual fee First year free and subsequent years annual fee waived on 
minimum annual spend of AED 12,000
 Supplementary card fee Free for life

For detailed fees and charges, Click here.

Click here

If you’re a salaried individual, please submit:

  • National ID or valid passport, residence visa and Emirates ID.
  • Salary Certificate.


If you’re self-employed:

  • National ID or valid passport, residence visa and Emirates ID.
  • Valid trade licence.


  • If you are UAE National aged between 21 and 65 years (at the card expiry date) or if you are UAE resident aged between 21 and 63 years (at the card issuance date).
  • If you’re a salaried individual:
    • You should be confirmed employee and have minimum salary of AED 5,000


CBD Smiles



Monthly Spend in AED

Smiles Points Earned

Spends on Smiles app & Etisalat services

(Mobile, eLife, Wasel)

International shopping spends


Local shopping spends


Other Spends

(eg: Fuel, Utility,etc)

Congratulations! You will earn 0 Smiles points monthly or 0 Smiles points annually.

*The above calculation is an indicative estimate and subject to change based on actual redemption


If you do not meet the repayments/payments on your credit card/loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future. For complete product details and warnings, please refer to the Key Facts Statement.

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Within UAE: 600 575 556

Outside UAE: +971 600 575 556