Last Updated on 19 August 2025
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Credit Bureau Consent, Welcome Offer & General Terms & Conditions
I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Thank you for providing your details.CBD Smiles Visa Signature Credit Card
Smiles Visa Signature Credit Card
Features
- First year free – AED 500 annual fee waived in year one.
- Earn Smiles points:
- 10 points on Etisalat channels, Smiles app, and elGrocer (up to 25,000 monthly cap).
- Up to 3 points on international spends.
- Up to 2 points on domestic spends.
- Quarterly bonus of 5,000 Smiles points on cumulative spends of AED 10,000.
- Complimentary 90-day Smiles Unlimited subscription with Buy 1 Get 1 offers, free delivery, and waived service fees.
- 8 complimentary airport lounge visits annually via Visa Airport Companion / Lounge Key.
- AED 200 discount on hotel bookings with Smiles Unravel.
- Xperience with ENTERTAINER app – enjoy 2-for-1 offers on dining, leisure, and more.
- Exclusive 0% interest on Cash on Call (6- and 12-month plans) within 30 days of card issuance.
- Free supplementary cards for life.
- Discounts on Emaar attractions such as KidZania®, Dubai Aquarium, The Storm Coaster, Dubai Ice Rink, and more.
- Bonus credits at Play DXB when purchasing credits with your CBD card.
- Credit Shield protection for outstanding balance.
- Interest rate of 3.85% is charged
- Minimum salary of AED 12,000 is required
- Free For the First year & from the second year onwards Annual fee of AED 1048.95 is charged ( fee waiver option available. T&Cs apply)
Required Documents
- For salaried individuals: Provide a valid passport or National ID, residence visa, and Emirates ID.
- For self-employed individuals: Provide a valid passport or National ID, residence visa, Emirates ID, along with a valid trade licence.
Main Benefits
- Save on annual fees with the first year free and continued waiver on spends of AED 24,000 per year. Turn everyday spending into rewards with Smiles points for shopping, bills, food, travel, and more.
- Access special discounts and offers at top hotels, restaurants, and family entertainment venues.
- Enjoy stress-free travel with complimentary global airport lounge access.
- Stay protected with multi-trip travel insurance and purchase protection.
- Maximize savings with Buy 1 Get 1 offers and Smiles Unlimited rewards.
- Flexible payment options with 0% Easy Payment Plans, balance transfer, and quick cash.
- Extra perks like free supplementary cards, exclusive attraction discounts, and added Play DXB bonus credits.
- Get a welcome bonus 100,000 smile points on min. spending criteria till 31st March 2024. T&Cs apply.
- Earn 10 Smiles per AED on spending on Etisalat Spends, Smiles App elGrocer
- Earn Up to 3 Smiles per AED on International Spends
- Earn Up to 2 Smiles per AED on Domestic Spends
- Earn 15,000 Smiles on achieving a cumulative spend of AED 55,000 in a quarter
- Earn rewards and redeem them for Etisalat bill payments, Food delivery, Airline tickets, Shopping vouchers, Discount voucher, Electronics and a lot more
Frequently Asked Questions
Q. What is the annual fee on a supplementary CBD credit card?
A. There are no annual fees charged on CBD credit card supplementary cards.
Q. Can I get the CBD credit card replaced?
A. Yes. Card replacement fee of AED 78.75 is charged.
Q. Is a credit shield provided on CBD credit cards?
A. Yes. 1% of the monthly outstanding balance is charged as credit shield insurance fee.
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