Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
CBD - Smiles Platinum CBD - Smiles Platinum Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 208.95 Rate: 3.85%
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Affordabel, smart living, everyday convenience

Joining Offer
40,000 smile points on min. spending criteria till 31st March 2024

Enjoy everyday lifestyle benefits and use the Smiles app for unique awarding & redemption options 

Reward Features
  • 10 Smiles per AED on spending on Etisalat Spends, Smiles App elGrocer
  • Up to 3 Smiles per AED on International Spends
  • Up to 2 Smiles per AED on International Spends
  • 15,000 Smiles on achieving a cumulative spend of AED 55,000 in a quarter
  • Points Redemption: Etisalat bill payments, Food delivery, Airline tickets, Shopping vouchers, Discount voucher, Electronics and lot more
  • Smiles points
  • Unique Smiles and CBD deals
  • Etisalat bill payment
  • Lounge access
  • 50% off on Cinema 
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Najm - ONE Cashback Credit Card
Minimum Salary
AED 8,000
Najm - Platinum Plus Cashback Credit Card
Minimum Salary
AED 7,000
Najm - Platinum Cashback Credit Card
Minimum Salary
AED 7,000
HSBC - Cashback Credit Card
Minimum Salary
AED 10,000