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CBD Smiles Visa Signature

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& Savings over AED 1,700


  • 50,000* Smiles Points as Welcome Bonus
  • First year Free ** (Annual fee of AED 999 waived for first year)
  • 1 year complimentary subscription to 'Unlimited Buy 1 Get 1 Offers' worth AED 200
  • Discount coupon worth AED 200 from Yallacompare (applicable for cards issued until 31 Mar 2023) Cards issued between 1 April 2023 and 30 June 2023 shall be eligible for a discount voucher of AED 100.
  • Free for life Supplementary cards

Earn Smiles points on every AED spent


  • 10 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 25,000 Smiles points)
  • Up to 3 Smiles points on all international spends
  • Up to 2 Smiles points on all domestic spends
  • Quarterly bonus of 15,000 Smiles points worth up to AED 150

Redeem Smiles points


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

Lifestyle Benefits

  • 4 complimentary rounds of Golf at Trump International Golf Club every month subject to calendar month retail spends of AED 7,500. For more information Click here To book your complimentary golf tee time, click here 
  • 50% discount on 4 cinema tickets across Vox, Reel or Novo cinemas per calendar month. for more information:Click here .
  • Complimentary Valet Parking: Enjoy up to 3 complimentary valet parking each calendar month at over 15 locations in UAE. For more details, please refer to CBD Credit Cards Valet Click here
  • *IMG World of Adventure valet service will be temporarily unavailable from July 1, 2022.

  • Complimentary Airport Lounge Access: Insurance: enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key. Each Cardholder (separately for Primary and Supplementary cardholders) shall be entitled for 8 complimentary visits per calendar year.

  • As a Smiles Visa Signature Cardholder, you can enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key. Each Cardholder (separately for Primary and Supplementary cardholders) shall be entitled for 8 complimentary visits per calendar year.

    Eligibility Criteria

    • The 1st visit to the Lounge during the calendar year is complimentary.
    • For subsequent complimentary visits during the same calendar year (i.e. 2nd visit onwards), the cardholder (separately for Primary and Supplementary cardholder) needs to make a minimum international spend of USD 1 using the CBD Smiles Signature Credit Card.
    • If the cardholder exceeds the maximum number of complimentary visits (i.e. 8 visits in the calendar year) or does not meet the above conditions, Lounge Key shall charge USD 32 to the card. For answers to Frequently Asked Questions on Airport Lounge Access, visit Frequently Asked Questions 
  • Multi-trip Travel Insurance: Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000

  • Purchase Protection: Doubles the repair period offered by original manufacture warranty, up to 1 year

  • Extended Warranty: Protects you from theft or accidental damage

  • Credit Shield: Protect yourself and your family against unforeseen events and insure your credit card outstanding balance with CBD credit shield benefit by paying 1% monthly fee of your credit card outstanding balance. To know more click here
  • Other Lifestyle Benefits Discounts:

    • Enjoy a variety of 2-for-1 offers when you download xperience with the ENTERTAINER app powered by Visa. Download Now
    • 20% discount on F&B at Reel Cinemas on a minimum spend of AED 20 or more. Not applicable on discounted items/combos. 
    • 20% discount on Emaar attractions regular admission tickets: KidZania® | Dig It | E-Kart Zabeel | Dubai Aquarium and Underwater Zoo explorer experience
    • 15% discount at Dubai Ice Rink public session tickets
    • Bonus credits on VR Park Dubai: AED 25 bonus credits with AED 75 credits purchase, AED 50 bonus credits with AED 100 credits purchase, AED 125 bonus credits with AED 200 credits purchase

    Note : To avail VOX, Reel and Valtrans facility, customer must have a minimum monthly (calendar month) retail spends of AED 5,000 on the CBD Primary Credit Card. If spends on CBD Primary Credit Card during the month is less than AED 5,000, the customer’s card account will be billed the actual facility charge. Retail spend does not include Balance Transfer, Cash on Call and Cash Withdrawal.

  • *100,000 Smiles points shall be awarded on achieving retail spends of AED 15,000 within 90 days of card issuance. Only retail spends are considered. Balance transfers, cash on call, cash transactions and bill payments made through CBD Channels will not be considered. Offer is valid for cards issued until 30 April 2023. Points shall be awarded within 45 days of completing 90 days spend period.

  • (Effective 1 May 2023, welcome Smiles Points will be reduced to 50,000 points and will be applicable for cards approved between 1 May 2023 and 30 June 2023 subject to AED 15,000 spends in 90 days)

  • *Smiles Welcome benefits and Bonus points are awarded to customers who will take a new Smiles Credit Card and are not applicable for customers who will convert their existing non-Smiles Credit Card into a Smiles Credit Card. Moreover, Customers who have cancelled their Smiles Credit Card in the last 6 months and then reapplied for the same card are not eligible to qualify for Welcome benefits and Bonus points.

  • Smiles points value differs based on the type of redemption selected by the customer and is governed as per Smiles T&Cs and Bank has no control over the redemption value of Smiles points.

  • **Annual Fee of AED 999 applicable from second year onwards and can be waived subject to achieving an annual minimum spend of AED 75,000

  • Quarterly bonus: 15,000 Smiles points is offered in the beginning of every calendar quarter on achieving a cumulative spend of AED 55,000 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.
  • discount voucher shall be issued in the ‘voucher’ section of Smiles app within 30 days of cards issuance and shall be valid for 1 year from date of issuance.

CBD Smiles Signature Card Fees
 Primary card annual fee AED 999
 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 12,000


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

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