- Annual fee
- Free for life
- Minimum monthly salary
- AED 5,000
- Welcome bonus
- None listed right now
Free for life
Our take
Free-for-life card that pays up to AED 135 a month back at popular merchants like noon, Amazon, Talabat and Netflix.
Good for
People who already spend at those apps and want a no-fee card.
Watch out for
Cashback is capped at AED 135 a month and needs AED 5,000 total monthly spend.
Written by Joe Hickman from Commercial Bank of Dubai's published terms. Not personal advice.
What it's worth in practice
CBD One works differently from a percentage card: it refunds what you spend at selected merchants like noon, Amazon, talabat, Careem, Netflix, cinemas and coffee chains, up to AED 135 a month. Spend AED 135 or more at those merchants and AED 5,000 in total, and you'd get the full AED 135 back every month: AED 1,620 a year on a free card. That's a strong return if those merchants are part of your routine anyway. If your spending is more restaurants than apps, Mashreq Cashback is free for life and pays 5% on dining with no minimum spend. The catch: miss AED 5,000 of total spending in a month and the cashback doesn't apply, and nothing beyond AED 135 is ever paid.
What you need
| Minimum salary | AED 5,000 a month |
|---|---|
| Top earn rates need | AED 5,000 a monthAED 5,000 total monthly spend |
| Reward cap | AED 135 a month |
Taken from Commercial Bank of Dubai's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
It's one of 11 free-for-life cashback cards on MoneyVS, out of 35. The AED 5,000 minimum salary compares with a typical AED 8,000 for cashback cards; 0 of 28 ask for less. It has no welcome offer listed right now; 10 of the 34 other cashback cards do. The headline rates need AED 5,000 of spending a month, so it suits people who'll put their main spending on it.
Commercial Bank of Dubai has 6 other cards on MoneyVS: CBD Super Saver, CBD Yes Rewards, CBD Smiles Visa Platinum, CBD Smiles Visa Signature, CBD Visa Infinite, and 1 more.
Compared with the 35 cashback cards on MoneyVS, using each bank's published figures as of 24 Oct 2026.
What you earn
- Up to AED 135 cashback a month at selected merchants (noon, Amazon, Talabat, Careem, Netflix, cinemas, coffee chains and more)
- Cashback matches what you spend at those merchants, up to the monthly maximum
Included benefits
- Airport lounges
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
CBD One: common questions
What salary do I need for the CBD One?
Commercial Bank of Dubai asks for a minimum monthly salary of AED 5,000.
Does the CBD One have an annual fee?
No. The bank says it is free for life.
Is there a minimum monthly spend?
Yes. AED 5,000 total monthly spend.
How does CBD One cashback work?
CBD pays back what you spend at selected merchants (including noon, Amazon, talabat, Careem, Netflix, cinemas and coffee chains), up to AED 135 a month, when your total spend reaches AED 5,000.
Is the CBD One card free?
Yes, CBD says it's free for life.
Compare with
- Mashreq Cashback: the closest alternative
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No welcome bonus right now