MoneyVS

CBD Smiles Visa Platinum Credit Card

Shopping card from Commercial Bank of Dubai.

Commercial Bank of Dubai CBD Smiles Visa Platinum Credit Card
View on CBD site Compiled by Joe Hickman ยท details checked 24 Oct 2026 against CBD's own page
Annual fee
AED 208.95 from yr 2

First year free. AED 199 + VAT a year after that, waived with AED 12,000 retail spend a year.

Minimum monthly salary
AED 5,000
Welcome bonus
AED 200 off a hotel booking through Smiles Unravel (code arrives within 30 days of issue).

Our take

Earns Smiles points with extra on e& bills, the Smiles app and elGrocer, and a quarterly bonus for steady spenders.

Good for

e& customers who use Smiles for food delivery and groceries.

Watch out for

Points are only as good as the Smiles catalogue; the AED 199 + VAT fee applies from year two below AED 12,000 spend.

Written by Joe Hickman from Commercial Bank of Dubai's published terms. Not personal advice.

What it's worth in practice

This card is for heavy e& customers. Put AED 1,000 a month on your e& bills, the Smiles app and elGrocer, AED 3,000 on other local spending and AED 1,000 at the supermarket, and you'd earn about 5,000 + 4,500 + 500 Smiles: roughly 10,000 a month, or 120,000 a year. Spend AED 12,000 a year and the AED 208.95 fee is waived from year two. Look at CBD Smiles Visa Signature too. Its fee is waived at AED 24,000 of retail spend a year, so at AED 2,000 a month or more it's also free, and it earns double on e& and the Smiles app. The catch: supermarkets and fuel earn just 0.5 Smiles per dirham, and there's no lounge access.

What you need

Minimum salaryAED 5,000 a month
Annual fee waivedSpend AED 12,000 a yearAbout AED 1,000 a month
Welcome bonusAED 200 off a hotel booking through Smiles UnravelCode arrives within 30 days of issue

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

Its AED 208.95 annual fee is higher than 24 and lower than 21 of the other 45 shopping cards with a published fee, and the bank waives it at AED 12,000 of spend a year, with the first year free. The AED 5,000 minimum salary compares with a typical AED 8,000 for shopping cards; 0 of 34 ask for less. It has a welcome offer right now, as do 34 of the 45 other shopping cards.

Commercial Bank of Dubai has 6 other cards on MoneyVS: CBD Smiles Visa Signature, CBD Yes Rewards, CBD One, CBD Super Saver, CBD Visa Infinite, and 1 more.

Compared with the 46 shopping cards on MoneyVS, using each bank's published figures as of 24 Oct 2026.

Related CBD cards side by side

This CBD Smiles Visa Platinum has an annual fee of AED 208.95 from yr 2, needs a AED 5,000 salary, and earns: 5 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 10,000 a month). Commercial Bank of Dubai also offers:

  • CBD Smiles Visa Signature: fee AED 525 from yr 2, salary AED 5,000. Headline earn: 10 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 25,000 a month).

What you earn

  • 5 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 10,000 a month)
  • Up to 2 Smiles per AED abroad and up to 1.5 locally
  • 0.5 Smiles per AED on supermarkets, fuel, government, education and similar
  • 7,500 bonus Smiles a quarter when you spend AED 27,500

Included benefits

No headline benefits listed by the bank.

CBD Smiles Visa Platinum: common questions

What salary do I need for the CBD Smiles Visa Platinum?

Commercial Bank of Dubai asks for a minimum monthly salary of AED 5,000.

Does the CBD Smiles Visa Platinum have an annual fee?

Yes, AED 208.95, free in the first year. It's waived if you spend AED 12,000 a year.

How do I get the CBD Smiles Visa Platinum welcome bonus?

AED 200 off a hotel booking through Smiles Unravel: code arrives within 30 days of issue.

How many Smiles does the CBD Smiles Platinum earn on e& bills?

5 Smiles per AED on e&, the Smiles app and elGrocer, up to 10,000 Smiles a month.

How do I get the quarterly Smiles bonus?

CBD gives 7,500 bonus Smiles in any quarter you spend AED 27,500.

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