CBD Smiles Visa Platinum Credit Card in UAE

CBD Smiles Visa Platinum Credit Card

Save on your daily expenses, such as groceries, utility bills, and other lifestyle needs, with the CBD Smiles Visa Platinum credit card. This card not only simplifies your spends but also gives several protection benefits to protect your purchases and cover your outstanding card bill in case of any ...read more

Commercial Bank of DubaiCommercial Bank of Dubai Smiles Visa Platinum Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)199

Features

Lifestyle Benefits
Movie Discounts
Dining Discounts

What are the Key Features of the CBD Smiles Platinum Card?

From hotel discounts to offering supplementary cards for your family members, this card eases your lifestyle expenses. Let’s look into its primary perks —

Earn 5 Smiles points on all Etisalat channels, elGrocer spending, and the Smiles app
Redeem earned points on prepaid charges, food deliveries, groceries, pharmacies, Etisalat bills, shopping vouchers, and more
Additional discount of AED 200 on booking hotel accommodation with Unravel
Credit Shield facility, Extended Warranty Protection, and Purchase Protection are available
Supplementary cards are free for life — up to 5 cards available for free
Amazing discounts on Emaar Attraction tickets

Know Your Eligibility for the CBD Smiles Visa Platinum Card

If you wish to apply for the Smiles Platinum card by CBD, it is important to fulfill its entry requirements. These criteria are in terms of age, minimum monthly salary, and employment.

Eligibility Factor	Criteria
Minimum Age	21 years
Maximum Age	63 years for UAE nationals 65 years for UAE expats
Minimum Salary	AED 5,000
Employment Status	Must be a confirmed salaried employee or a self-employed individual

Which Documents are Required for the CBD Smiles Visa Platinum Credit Card Application?

The bank asks you to submit a few documents to verify your card application. For your reference, here is a document checklist for the CBD Credit Card —

For Salaried Individuals	For Self-Employed Individuals
Emirates ID Passport National ID (for expats) Residence Visa (for expats)	Emirates ID Passport National ID (for expats) Residence Visa (for expats) Trade Licence

Fees and Charges of the CBD Smiles Platinum Card

This CBD credit card in UAE is free for the first year. From the second year onwards, a fee of AED 199 applies. However, if your retail spends cross AED 12,000 in a year, this fee is waived too. Besides the annual fee, however, a few other charges also apply —

Fees	Charges
Overlimit Fee	AED 304.5
Late Payment Fee	AED 241.5
Cash Withdrawal Fee (using ATM)	AED 204.75
Card Replacement Fee	AED 78.75
Copy of Sales Slip	AED 26.25
Liability Letter Issuance	AED 52.5
Interest Charges on Retail Purchases and Cash Advance	3.85% per month
Credit Shield Insurance	1% of the total outstanding balance

Frequently Asked Questions

Ans: No, the card is free only for the first year. From the second year, you need to pay an annual fee of AED 199. However, this fee is waived if your retail spends are at least AED 12,000 in a year.

Ans: The maximum age for residents to apply for the card is 63 years.

Ans: No, supplementary cards are free for life. However, you can get only 5 supplementary cards for free