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Commercial Bank of Dubai

Loyalty Programme

With the Attijari Loyalty Programme, earning points couldn’t be easier

Simply apply for a CBD product and be instantly rewarded. That’s not all - your points will grow every time you use your CBD Credit Card or enhance your monthly average balances on your accounts. The Attijari Loyalty Programme is CBD’s way of saying “Thank You” and we’ve made it specially flexible and easy for you to use.



Earn points not only when you use your Credit Card on purchases, but also through the following range of banking options: 

  • Now you can earn Attijari points by using Online Banking, for making utility payments and international transfers. Learn more
  • Accounts: current account, savings account, Al Dana Interest Bearing current account, Al Dana Non-Interest Bearing current account
  • Deposits: Time Deposit, Unit Time Deposit
  • Savings plans and investments: Mustaqbali Child savings plan and all investments products
  • Loans: Personal Loan, Auto Loan, Home Loan
  • All Credit Cards

 


Earn Points on CBD Credit Cards


Product Purchase Type Points for every 1 AED spent
World MasterCard Retail Grocery Purchase 1 point
Government Spent 0.5 points
Other UAE Purchase 2 points
Other International Purchase 2.5 points
Visa Infinite Retail Grocery Purchase 1 point
Government Spent 0.50 points
Other UAE Purchase 2 points
Other International Purchase 2.5 points
Visa Signature Retail Grocery Purchase 1 point
Government Spent 0.50 points
Other UAE Purchase 2 points
Other International Purchase 2.5 points
MasterCard Gold Retail Grocery Purchase 1 point
Government Spent 0.50 points
Other UAE Purchase 1.5 points
Other International Purchase 2 points
Visa Platinum
Retail Grocery Purchase 1 point
Government Spent 0.50 points
Other UAE Purchase 1 point
Other International Purchase 1 point
E-Tijari Web Card Retail Grocery Purchase 1 point
Government Spent 0.50 points
Other UAE Purchase 1 point
Other International Purchase 1 point

Earn Points on Other CBD Products


Product Points earned on every AED 1000
Current Account* 30
Savings account / Esaver* 20
Al Dana NIB current account* 40
Al Dana IB current account*

- *Points awarded on incremental add-on/new to bank monthly average balance
- *Minimum incremental average balance to qualify is AED 10,000
25
Mustaqbali Child Savings Plan / Bonus Booster Deposit

- Points awarded on monthly contribution amount
- Minimum monthly contribution to qualify is AED 10,000
25
New Time Deposit / New Unit Time Deposit / Step-Up Time Deposit

- Points awarded on new to bank Deposit amount
- Minimum deposit amount to qualify is AED 10,000
Tenor <3 months = NIL
Tenor >3 to 6 months = 5
Tenor over 6 months = 10
Lump sum investment products

- Points awarded on add-on/new to Bank amount
- Minimum amount to qualify is AED 1,000
30
Mustaqbali wealth builder / international investment plan

- Points awarded on monthly contribution amount as well as add-on /new to Bank amount
- Minimum amount to qualify is AED 1,000
40
Personal Loan Every AED 100,000 loan, 500 Attijari points.
Home Loan
Auto Loan

- Points awarded on new loan amounts and top-ups
 - Minimum incremental amount AED 100,000

Earn Attijari points in Online Banking

 

Usage Points earnedReward Limits
First time registration 500One time on registration
Set up for utility bill payments250One time for the first set up
Utility bill payments 50Maximum five transactions worth 250 per month
International fund transfer500Per transfer AED 5000 and above

Login to CBD Online Banking and click on "Manage and redeem your points" in Overview page. Otherwise, you can always call us on 800 CBD (223) or visit any of our branches.

You can choose from one of our three selected redemption options; Emirates Skywards Miles, Etihad Guest Miles in the rate of 14 for 1 mile or Cash Back, and enjoy your exclusive rewards and services.Terms & conditions applies.

Miles 


Air tickets and exciting upgrades in addition to other leisure and lifestyle benefits! 

etihad_logo1    emirates_logo1

The Attijari Loyalty Program is CBD’s way of saying “Thank You” and we’ve made it specially flexible and easy for you to use. “Attijari Loyalty Program” is an initiative designed to enable our loyal customers to earn loyalty points across nearly all CBD Consumer Products.

Customers can convert these Attijari Loyalty Points to Skyward Miles, Etihad Guest Miles or cash back.
All Retail individual customers are eligible to avail Attijari Loyalty Program.
Yes, you can earn Attijari Loyalty points on various banking services, utility bill payment and international fund transfers through CBD Online or Mobile Banking. Terms & conditions apply.

Earn Attijari points through Online and Mobile banking;

Usage Points earned Reward Limits
First time registration 500 One time on registration
Set up for utility bill payments 250 One time for the first set up
Utility bill payment 50 Five transaction worth 250 per month
International funds transfer 500 Per transaction AED 5000 and above
Details of Points earned for each Dirham spent on various CBD Credit Cards is as follows:

Number of Points For Every Dirham Spent
Cards Type Remaining MCCs MCC Group 1 (Retail Grocery MCC –5411) MCC Group 2 (Governments MCC –9399)
Domestic International Domestic International Domestic International
Master Card World 2 2.5 1 1 0.5 0.5
Master Card Gold 1.5 2 1 1 0.5 0.5
Visa Platinum 1 1 1 1 0.5 0.5
Visa Internet 1 1 1 1 0.5 0.5
Visa Signature 2 2.5 1 1 0.5 0.5
Visa Infinite 2 2.5 1 1 0.5 0.5
*MCC – Merchant Category Code
- Current Account
- Savings Account
- Al Dana Interest Bearing Current Account
- Al Dana Non-Interest Bearing Current Account
- Time Deposit
- Unit Time Deposit
- Mustaqbali Child Saving
- All Investment Products
- Personal Loan
- Tam-wheel / Auto Loan
- All Credit Cards
Attijari Loyalty Points can be earned by:
• Increasing monthly average balance by minimum AED 10,000 in…
1. Current Account
2. Al Dana non-interest bearing / interest bearing Current Accounts
3. Savings Account
(Monthly average balance is the average of daily closing balance across the calendar month)
• Using CBD Credit Cards for purchases
• Increasing your existing investment amount by minimum AED 1000
• Appling for any of the following new CBD products in AED denomination:
1. Current Account
2. Savings Account
3. Al Dana non-interest bearing / interest bearing Current Accounts
4. Time Deposit / Unit Time Deposit
5. Lump sum / Systematic Investment Products
6. Mustaqbali Child Saving
Yes. Please refer the following Table 1:
Currency AED
Current Account Monthly incremental average balance minimum AED 10,000
Savings Account
Al Dana interest bearing Current Account
Al Dana non-interest bearing Current Account
Time Deposit New Time Deposit with minimum amount AED 10,000 & minimum tenor 3 Months
Unit Time Deposit New Unit Time Deposit with minimum amount AED 50,000 & minimum tenor 6 months
Mustaqbali Child Savings Minimum monthly contribution AED 10,000
All Investment Products Minimum monthly incremental amount AED 1,000
Personal Loan Every AED 100,000 loan, 500 Attijari points.
Tam-wheel / Auto Loan
All Credit Cards
Normal Points are rewarded based on the amount as shown in the Table 2 below:
Product Points for every AED 1000
Current Account 30
Savings account 20
Al Dana Non Interest Bearing Current AccountAl Dana Non Interest Bearing Current Account 40
Al Dana Interest Bearing Current Account


- Points awarded on incremental add-on / new to Bank average balance
- Minimum incremental average balance to qualify is AED 10,000
25
Mustaqbali Child Savings Plan


- Points awarded on monthly contribution amount
- Minimum monthly contribution to qualify is AED 10,000
25
New Time Deposit / New Unit Time Deposit

- Points awarded on new to Bank Deposit amount
- Min. Time Deposit amount to qualify is AED 10,000
- Min. Unit Time Deposit amount to qualify is AED 50,000
Tenor <3 Months = Nil
Tenor 3-6 months = 5
Tenor >6 months = 10
Lump sum investment products

- Points awarded on add-on/new to Bank amount
- Minimum amount to qualify is AED 1,000
30
Mustaqbali Wealth Builder / Systematic Investment

- Points awarded on monthly contribution amount as well as add-on/new to Bank amount
- Minimum amount to qualify is AED 1,000
40
Personal Loan Every AED 100,000 loan, 500 Attijari points.
Home Loan
Auto Loan

- Points awarded on new loan amount & for top-up Personal loan, on incremental amount
For your reference, Attijari Loyalty Points Program calculator is available on CBD Website.
Table 3: Maximum Normal Points permitted to earn per Calendar year:
Products Maximum Normal Points permitted to earn per Calendar year
Current Account 300,000
Savings Account 200, 000
Al Dana Interest Bearing Current Account 250, 000
Al Dana Non-Interest Bearing Current Account 350, 000
Time Deposit 300, 000
Unit Time Deposit 300, 000
Mustaqbali Child Savings 200, 000
All Investment Products 200 ,000
Personal Finance 200, 000
Tam-wheel / Auto Loan 250, 000
All Credit Cards NA
Please note that the above limit will apply cumulatively on all accounts under the same product held by a customer.
Yes. You can earn Normal points on Credit Cards usage (for purchase) as there is no limit applicable as on date.
You can also earn Points on New Product sign-up as shown in Table 4a. These points are shown in the statement as “New Prod.”
Products New Prod. Points
Investment Products 7500
Current Account 7500
Savings Account 5000
Time Deposit 5000


In addition to credit card usage and new product points, you can also earn Bonus Points - as mentioned in the following Table 4B:

Table 4B
: Bonus Points

CBD Product Bonus Points
Current Account 1000 points for every monthly incremental average balance of AED 500,000
Savings Account 500 points for every monthly incremental average balance AED 500,000
Al Dana Non-interest Bearing Current Account 1250 points for every monthly incremental average balance AED 500,000
Al Dana Interest Bearing Current Account 750 points for every monthly incremental average balance AED 500,000 and above
Time Deposit 1000 points for every deposit amt => 1,000,000 placed for minimum 3 month
Validity period for the points earned on all products is up to 31st December of the subsequent year. For e.g. points earned during the year 2016 will expire on 31st December 2017.
Skywards Miles: You can enjoy a host of Skywards services by redeeming your accumulated Attijari Loyalty Points for Skywards Miles. Points earned on all products (Normal, Bonus & New Prod.) are available for this redemption.

Etihad Guest Miles: You can enjoy a host of Etihad services by redeeming your accumulated Attijari Loyalty Points for Etihad Guest Miles. Points earned on all products (Normal, Bonus & New Prod.) are available for this redemption

Cash-back: Points earned can be redeemed for Cash Back. Cash will be credited to customer active Credit Card account only. If customer doesn’t have any active credit card he will get only the above two options with Emirates & Etihad.
AED 65

Equivalent AED value can also be calculated by using Calculator specially designed for this program. Calculator will be available on CBD website.
14 Attijari Loyalty Points equals 1 Skyward Mile.

Minimum of 10,000 Attijari Loyalty points is required to start requesting for the redemption which will be equivalent to 714 Emirates Skywards Miles.

Equivalent Skyward Miles value can be calculated by using Calculator specially designed for this program. Calculator is available on CBD website.

CBD staff can access calculator on Zoom / CRM.
14 Attijari Loyalty Points equals 1 Etihad Guest Mile.

Minimum of 10,000 Attijari Loyalty Points is required to start requesting for the redemption which will be equivalent to 714 Etihad Guest Miles.

Equivalent Etihad Guest Miles value can be calculated by using Calculator specially designed for this program. Calculator is available on CBD website.

CBD staff can access calculator on Zoom / CRM.
You can request to redeem available points by either calling CBD Call center (800223) or through Online Banking & branches.
Request will be processed as per the valid account number provided by the customer, and the customer will not be able to reverse points from any closed redemption request.
Ten thousand Attijari Loyalty Points can be redeemed for 714 Skywards miles.

(Please note that your Attijari Loyalty Points Account will be debited for the number of points requested for Skyward Mile redemption. However number of Skyward Miles will be calculated after rounding the decimal value to the floor). Hence in this illustration, Attijari Loyalty Points debited is 10,000 and Skyward Miles credited is 714 instead of 714.28
Ten thousand Attijari Loyalty Points can be redeemed for 714 Etihad Guest Miles.

(Please note that your Attijari Loyalty Points Account will be debited for the number of points requested for Etihad Guest Mile redemption. However number of Etihad Guest Miles will be calculated after rounding the decimal value to the floor). Hence in this illustration, Attijari Loyalty Points debited is 10,000 and Etihad Guest Miles credited is 714 instead of 714.28
Attijari Loyalty Point’s statement will be made available free of charge on CBD Online Banking, and also the mobile application.
Redeemed points and available points will be updated on the system upon the approval of a redemption request or upon migration of points from one pool to the other (refer explanation / answer below). However earned points (Normal, New Prod. and Bonus) during the month (on all products including credit cards) will be rewarded / updated during the first week of the subsequent month.
No, expired points will not be shown on the statement. However information may be provided upon request.
It indicates the period during which points are earned by transactions / activity as shown in Table 2, 3 and 4 (A and B). If From Date is shown without To Date, it indicates the date of transaction (such transactions include redemption, manual debit / manual credit / migration etc.
No. you don’t have to choose product/s or Pool / Point’s Category. System will debit points based on a pre-set logic depending on the selected redemption type as explained below:

Pools / categories Order logic:

Points are debited from pools / categories as follows:

First - “Points Expiring This Year”

Then - “Points Expiring Next Yr”
Redemption of points is possible through our system for active customers. Once the relationship is terminated, points cannot be redeemed. However, Bank may consider allowing redemption at its sole discretion.
Customer should redeem the points before closing the credit card, after redemption request is completed customer can cancel the card. Otherwise customer will not be eligible for redeeming the points from closed cards.
If the customer is earning points through the other products he can redeem the points for Emirates Skywards Miles or Etihad Guest Miles. Cash Back redemption is available only for CBD credit card holders.
No. If you are classified as a (delinquent) customer, you may not be allowed to redeem your points until you restart paying your dues.
You can contact CBD call center on 800 (CBD)

Al Dana clients can call 800 (AL DANA)

You may also approach our branches.
CBD has always considered customer interest and customer satisfaction of the utmost priority and will continue doing so. However decision of the Bank (CBD) in all cases / disputes will be the final.
Yes. This program is offered to customers at the sole discretion of the Bank. CBD reserves the right to modify wholly or in part this program or may discontinue/ stop or withdraw this program partially or completely at anytime without any prior notice to the customers. Terms and Conditions shall be in addition to and not in substitution to the rules and regulations governing the use of any CBD product or any general / other terms and conditions declared by the Bank from time to time.

All decisions with regards to this program made by the Bank (CBD) will be the final.

All terms and conditions declared by the Bank (CBD) from time to time with regards to this program and terms and conditions declared by the Bank for the existing Tijari / Attijari Loyalty Program of all credit cards will apply.

 

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