Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
CBD - Smiles Visa Signature CBD - Smiles Visa Signature Minimum Salary: AED 15,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 999 Rate: 3.45%
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Complimentary Benefits
  • 50,000 Smiles points as Welcome Bonus
  • 15,000 Smiles points as Quarterly Bonus
Special Offers (Limited-time only)
  • Complimentary unlimited Buy 1 Get 1 offers for 1 year
  • AED 250 discount on flight with
  • AED 200 discount on Car insurance at
  • AED 100 Off on Full Day Pass or Annual Pass at Laguna Waterpark
Earn Smiles points
  • 10 Smiles points on Etisalat spends or through the Smiles UAE mobile app
  • Up to 3 Smiles points on International spends
  • Up to 2 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

  • 50% discount on VOX cinema tickets across the UAE.
  • Free Valtrans valet parking 3 times per month at Mirdif City Center, Dubai International Airport, Box Park and many more locations. For more details please refer to CBD Credit Cards Valet Parking
  • Complimentary access to over 1000 airport lounges globally.
  • Free multi-trip travel insurance for cardholder and family
Additional Information
Terms and Conditions
  • *Quarterly Bonus will be subject to achieving a minimum spend target of USD 15,000 or AED equivalent
  • To avail VOX and Valtrans facility, the customer must have a minimum monthly (calendar month) retail spend of AED 5,000 on the CBD Smiles credit card. If spend on the credit card during the month is less than AED 5,000, the customer's card account will be charged the actual cost. Retail spend does not include Balance Transfer, Cash on Call and Cash Withdrawal.
Required Documents
Salaried individuals:
  • National ID or valid passport, residence visa and Emirates ID.
  • Salary Certificate.


  • National ID or valid passport, residence visa and Emirates ID.
  • Valid trade license.
  • 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).
Salaried individuals:
  • You should be confirmed employee and have a minimum salary of AED 15,000
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