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Credit Shield

  • Affordable monthly premium of 1% of your monthly credit card total outstanding balance.
  • Convenient payment through monthly credit card bill. The amount will be reflected in your credit card statement. 
  • Complete peace of mind by covering outstanding credit card amounts in unfortunate events, such as  permanent disability, critical illness or involuntary loss of employment of primary credit card holder.

In case of How Credit Shield Insurance plan can help with your credit card obligations?
Death due to Accident
  • In case of death due to accident to the primary credit cardholder, the Policyholder will be relieved of 100% of the credit card account outstanding balance or credit limit whichever is lower.

  • Maximum sum Insured of up to AED 100,000/-

Permanent total disability through sickness or accident

  • Total outstanding credit card balance on the date of permanent total disability onset will be settled after 12 consecutive months of disability.
  • Maximum payment AED 100,000

Covered Critical Illness

  • Total outstanding credit card balance on the date of diagnosis will be settled.
  • Maximum payment AED 50,000.

Involuntary Loss of Employment

  • A monthly amount of 10% of outstanding credit card balance will be paid for up to 6 months. 
  • Maximum payment AED 3,000 per month.

View Credit Shield Terms and Conditions


To avail, log in to your CBD Mobile App and follow the below steps:


Apply Now >

Login to the CBD Mobile app


Get Started >

Select your CBD Credit Card and tap Credit Shield under the Services tab



Review and Confirm the  Credit Shield details

  • CBD primary cardholders, UAE Nationals or residents Expatriates, with valid visa and Emirates ID, an active employment are eligible for Credit Shield
  • Only selected Primary cardholders regardless of card type are enrolled under the Credit Shield enrollment programme.
  • Customers can request for cancellation of Credit Shield Cover by calling Contact Center 24/7.
  • Once a customer cancels the Credit Shield, he/or she cannot proactively enroll for Credit Shield within 12 months of cancellation of the request.

For death and permanent total disability covers, you should be between 18 and 64 years of age at entry and 70 years old at termination.
For critical illness and involuntary loss of employments covers you should be between 18 and 59 years of age at entry and 60 years old at termination.
Approved claims are credited to your card account monthly in case of involuntary loss of employment, and as a lump sum payment for total and permanent disability and critical illness.
Yes, you can get Credit Shield on multiple CBD Credit cards.
Since supplementary card transactions are charged to the Primary Cardholder, these expenses are covered under Credit Shield.
The fee will be conveniently billed through your credit card and the amount will be reflected in your monthly credit card statement.
You can cancel the insurance plan by calling us at 600 575 556. Please note that if you  cancel the benefits under the Credit Shield plan, you cannot re-enter during that policy year. Moreover, in case of one month’s missed credit card payment, you will automatically be dis-enrolled from the plan.
Once you enroll for Credit Shield, your subscription will be automatically renewed for a monthly fee of 1% of your monthly credit card total outstanding balance.

In the unfortunate event of:
Permanent Total Disability (PTD): Your total outstanding credit card balance on the date of permanent total disability onset up to AED 100,000 will be settled (after 12 consecutive months of disability).
Critical Illness: Your total outstanding credit card balance on the date of diagnosis up to AED 50,000 will be settled.
Involuntary Loss of Employment (ILOE): A monthly amount of 10% of your outstanding credit card balance (up to AED 3,000 per month) will be paid for up to 6 months.

You can apply for the Credit Shield benefit through CBD mobile app or contact us at 600 575 556.  
To apply for credit shield you need to be CBD primary cardholder with valid UAE visa/UAE Nationality, holding a valid Emirates ID and an active employment.
Credit Shield is an insurance plan that covers your credit card payments in case of unfortunate events like disability, critical illness or unexpected lost of employment.


Credit Shield insurance plan is offered by Orient Insurance. Commercial Bank of Dubai is acting as a distributor for Credit Shield and shall not be responsible for the insurance company's actions or decisions nor shall Commercial Bank of Dubai be liable regarding payment of claims under the policy/Insurance contract issued by Orient Insurance. This is just a summary of the features, benefits, exclusions, Terms & Conditions, which are in effect for Credit Shield Policy. The information provided herein is for guidance purpose only and does not override the definitive policy issued. For full policy Terms & Conditions please refer the policy wordings, Terms & Conditions and exclusions.

Applicable to all customers under the group cover irrespective of the date of enrolment.


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.

Within UAE

600 575 556

Outside UAE

+971 600 575 556

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