Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
CBD - Smiles Visa Platinum CBD - Smiles Visa Platinum Minimum Salary: AED 8,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 349 Rate: 3.45%
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Complimentary Benefits
  • 10,000 Smiles points as Welcome Bonus
  • 7,500 Smiles points as Quarterly Bonus
Special Offers (Limited-time only)
  • Complimentary unlimited Buy 1 Get 1 offers for 90 days
  • AED 100 discount on Car insurance at
  • AED 100 Off on Full Day Pass or Annual Pass at Laguna Waterpark
Earn Smiles points
  • 5 Smiles points on Etisalat spends or through the Smiles UAE mobile app
  • Up to 2 Smiles points on International spends
  • Up to 1.5 Smiles points on Domestic spends

Redeeming Smiles points:

Redeem the Smiles points on the Smiles UAE mobile app for:

  • Paying your Etisalat bills – Post-paid/eLife/Wasel recharge
  • Discount and Cash vouchers at over 1000+ merchant stores across dining, shopping, entertainment, shopping and travel
  • Travel with Smiles across 1000+ airlines
  • Shop on Smiles eShop with over 1,200 products
  • First Year Free and AED 349 from Year 2
  • Enjoy Buy 1 Get 1 Free and discounts of up to 25% at 500+ dining and lifestyle merchants
  • 50% discount on VOX cinema tickets by Visa.
  • Enjoy travel discounts with 12% discount on, 8% on and 30% with YQ Meet and Assist and many more Visa Platinum benefits.
  • Enjoy Extended Warranty and Purchase Protection for your purchases
  • Terms & Conditions Apply
Additional Information
Eligibility Criteria
  • 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 60 years (at the card expiry date).
  • If you’re a salaried individual: You should be confirmed employee and have a minimum salary of AED 8,000.
Required Documents

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 license.
CBD - Super Saver Card
Minimum Salary
AED 12,000
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