CBD One Credit Card
Up to 135 back every month — on a card that's free for life
at CBD's secure site
See rates & fees.
Cashback rate
" 135 a month at the apps you already pay is over 1,600 a year from a card that costs nothing — the honest question is whether 5,000 a month will actually flow through it. If yes, this is the easiest free card in the UAE to justify; if not, you'll earn zero most months."
Earning and redeeming CBD One cashback
The mechanics are simple and strict. Clear 5,000 of total card spend in a calendar month and CBD refunds your spending at its selected merchants — noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, Zomato, Talabat, Deliveroo, Netflix, Prime Video, Spotify, Novo/VOX/Reel/Roxy Cinemas, Starbucks, Caribou, Tim Hortons, Costa, ClassPass and Fitness First — in full, up to 135 for that month.
There are no points to manage: cashback is computed monthly and lands on your card account in the third week of the following month. Cash withdrawals, balance transfers, bank fees and insurance charges don't count as qualifying spend, and the merchant list is set — and changeable — by the bank.
Rates and fees
- Annual fee
- 0 — free for life; no One Plan monthly fee
- Cashback
- Selected-merchant spend refunded in full, up to 135 a month, with 5,000 total monthly spend
- Interest rate
- 3.85% per month (46.2% APR) on purchases and cash
- Foreign transaction fee
- 3.5% — charged on international transactions in and foreign currency, plus the Visa scheme fee
- Cash advance fee
- Flat 204.75 per withdrawal
- Late payment fee
- 241.50
- Overlimit fee
- 304.50
- Minimum salary
- 5,000 per month
- Supplementary cards
- Free for life
- Card network
- Visa Signature
Rates verified against CBD's Key Facts Statement (updated 17 December 2025); all fees are VAT inclusive. Always confirm on cbd.ae before applying.
Card benefits
135 back monthly
Full rebate on spend at 20+ selected merchants — noon, Amazon, Talabat, Netflix, Careem, cinemas and coffee chains — capped at 135 a month.
8 lounge visits a year
Complimentary access to 1,000+ airport lounges worldwide via the Visa Airport Companion app — rare on a free-for-life card.
Multi-trip travel insurance
Cover for the cardholder and family on trips up to 90 days, up to USD 500,000.
Purchase protection & warranty
Theft and damage protection on purchases, and the manufacturer's warranty doubled by up to one year.
Emaar attractions
20% off KidZania, Dubai Aquarium experiences, The Storm Coaster, Dubai Ice Rink and more, plus Play DXB bonus credits.
Xperience 2-for-1 offers
Buy-one-get-one dining and leisure offers via the xperience with the ENTERTAINER app, plus your choice of card design.
Pros and cons
- Genuinely free for life — no annual fee and no One Plan monthly fee
- Up to 135 a month refunded at popular apps: noon, Amazon, Talabat, Careem, Netflix, Spotify, cinemas and coffee chains
- 8 complimentary airport lounge visits a year — rare on a no-fee card
- Multi-trip travel insurance up to USD 500,000 for cardholder and family
- Choice of card designs and a low 5,000 minimum salary
- Cashback needs 5,000 of total card spend every month — miss it and you earn nothing that month
- The rebate is capped at 135 a month and only applies at the bank's selected merchant list
- Everything outside the merchant list earns zero — this is not a general cashback card
- 3.5% foreign-currency fee, also charged on -denominated international transactions
- High 3.85% monthly interest rate (46.2% APR) if you carry a balance
Is it right for you?
Get this card if
- You reliably spend 5,000+ a month on cards and want a free keeper card.
- Your delivery apps, subscriptions and coffee habit already exceed 135 a month.
- You want lounge access and travel insurance without paying an annual fee.
Consider skipping it if
- Your monthly card spend hovers below 5,000 — you'd earn nothing most months.
- You want cashback on general spending, not just a fixed merchant list.
- You spend heavily abroad; the 3.5% FX fee outweighs the rebate.
Alternatives to consider
Emirates NBD's noon One card earns dedicated noon credits on the platform's own ecosystem — compare if most of your app spend is noon and Minutes.
Best online shopping cards →
CBD's own Super Saver pays up to 10% on bills, education, supermarkets and fuel with a much higher 600 monthly cap.
Best cashback cards →
A general cashback card with no merchant list to memorise — simpler if your spending is spread out.
Best cashback cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Does the CBD One credit card have an annual fee?+
No — the card is free for life, and CBD's One Plan carries no monthly fee either.
How does CBD One cashback work?+
If your total card spend in a calendar month is AED 5,000 or more, your spending at the selected merchants is refunded in full, up to AED 135 for that month. If your selected-merchant spend is below AED 135, you get back exactly what you spent there.
Which merchants qualify for CBD One cashback?+
The bank's published list includes noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, Zomato, Talabat, Deliveroo, Netflix, Prime Video, Spotify, Novo/VOX/Reel/Roxy Cinemas, Starbucks, Caribou Coffee, Tim Hortons, Costa Coffee, ClassPass and Fitness First. CBD can change the list at its discretion.
When is CBD One cashback paid?+
Cashback for a calendar month is credited to your card account in the third week of the following month.
What is the minimum salary for the CBD One card?+
AED 5,000 per month for salaried applicants. Self-employed applicants need a valid trade licence.
Does the CBD One card include airport lounge access?+
Yes — 8 complimentary visits per year to over 1,000 lounges worldwide via the Visa Airport Companion app, unusual for a card with no annual fee.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.