MoneyVS

CBD Smiles Visa Signature Credit Card

Shopping card from Commercial Bank of Dubai.

Commercial Bank of Dubai CBD Smiles Visa Signature Credit Card
View on CBD site Compiled by Joe Hickman ยท details checked 24 Oct 2026 against CBD's own page
Annual fee
AED 525 from yr 2

First year free. AED 500 + VAT a year after that, waived with AED 24,000 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); 90 days of Smiles Unlimited free (automatic).

Our take

A step up from Smiles Platinum: 10 Smiles per AED on e&, Smiles and elGrocer, plus lounge access and a quarterly bonus.

Good for

Heavy Smiles and e& users who want lounge visits.

Watch out for

AED 500 + VAT from year two unless you spend AED 24,000 a year.

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

What it's worth in practice

On AED 5,000 a month, AED 1,000 of it on e&, the Smiles app and elGrocer, you'd earn about 10,000 + 8,000 Smiles: roughly 18,000 a month. Add 5,000 bonus Smiles in every quarter you spend AED 10,000, and that's around 236,000 a year. The AED 525 fee from year two is waived at AED 24,000 of retail spend a year, about AED 2,000 a month, so most regular users won't pay it. If you'd rather have an Islamic card that earns Smiles, SIB Smiles World costs the same but has no fee waiver listed. The catch: the 10-per-dirham rate caps at 25,000 Smiles a month, and Smiles are only as useful as the Smiles catalogue.

What you need

Minimum salaryAED 5,000 a month
Annual fee waivedSpend AED 24,000 a yearAbout AED 2,000 a month
Welcome bonusAED 200 off a hotel booking through Smiles UnravelCode arrives within 30 days of issue
Welcome bonus90 days of Smiles Unlimited freeAutomatic

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 525 annual fee is higher than 31 and lower than 11 of the other 45 shopping cards with a published fee, and the bank waives it at AED 24,000 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 Platinum, CBD Super Saver, CBD Visa Infinite, CBD Yes Rewards, CBD Titanium Mastercard, 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 Signature has an annual fee of AED 525 from yr 2, needs a AED 5,000 salary, and earns: 10 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 25,000 a month). Commercial Bank of Dubai also offers:

  • CBD Smiles Visa Platinum: fee AED 208.95 from yr 2, salary AED 5,000. Headline earn: 5 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 10,000 a month).

What you earn

  • 10 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 25,000 a month)
  • Up to 3 Smiles per AED abroad and up to 2 locally
  • 5,000 bonus Smiles a quarter when you spend AED 10,000

Included benefits

  • Airport lounges

Many benefits need a minimum monthly spend or app registration. Check the bank's terms.

CBD Smiles Visa Signature: common questions

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

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

Does the CBD Smiles Visa Signature have an annual fee?

Yes, AED 525, free in the first year. It's waived if you spend AED 24,000 a year.

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

AED 200 off a hotel booking through Smiles Unravel: code arrives within 30 days of issue. 90 days of Smiles Unlimited free: automatic.

Is the CBD Smiles Signature fee waived?

Year one is free. After that the AED 500 + VAT fee is waived if you spend AED 24,000 on retail in the year.

What does the CBD Smiles Signature earn abroad?

Up to 3 Smiles per AED abroad and up to 2 per AED locally.

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