CBD Super Saver Credit Card
Up to 10% cashback on bills, education, supermarkets and fuel
at CBD's secure site
See rates & fees.
Cashback rate
"The Super Saver is the rare UAE cashback card whose cap doesn't strangle it — AED 600 a month is real money. Just be honest about your spend level: under AED 3,000 a month you earn nothing, and the 10% headline belongs to AED 20,000-a-month households."
Earning and redeeming Super Saver cashback
Cashback lives in the four B.E.S.T categories: Bills (water and electricity), Education (school, college and university fees), Supermarkets and Transport (fuel). Your rate is set by your total monthly spend across the whole card — AED 3,000 unlocks 3%, AED 10,000 unlocks 5%, and AED 20,000 unlocks the full 10% — so even non-earning spend helps push you into a higher tier.
Each category is capped at AED 150 of cashback a month, AED 600 across all four. Earned cashback appears on CBD's Super Saver cashback platform and can be redeemed against your card balance or purchases. Utility payments made through CBD's own banking channels don't qualify — pay DEWA and school fees directly at the merchant instead.
Rates and fees
- Annual fee
- AED 0 first year, then AED 420 (VAT inclusive); waiver from year two subject to CBD's published annual spend threshold
- Cashback
- 3% / 5% / 10% on B.E.S.T categories by total monthly spend; AED 600 monthly cap
- Interest rate
- 3.85% per month (46.2% APR) on purchases and cash
- Foreign transaction fee
- 3.5% — charged on international transactions in AED and foreign currency, plus the Visa scheme fee
- Cash advance fee
- Flat AED 204.75 per withdrawal
- Late payment fee
- AED 241.50
- Overlimit fee
- AED 304.50
- Minimum salary
- AED 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
Up to 10% on B.E.S.T
Bills, Education, Supermarkets and Transport (fuel) earn tiered cashback up to 10%, capped at AED 150 per category and AED 600 a month.
8 lounge visits a year
Complimentary access to 1,000+ airport lounges worldwide via the Visa Airport Companion app.
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, powered by Visa.
Pros and cons
- Up to 10% cashback on the four B.E.S.T categories — bills, education, supermarkets and fuel
- Cashback cap of AED 600 a month is generous by UAE standards (AED 150 per category)
- First year free, and only AED 5,000 minimum salary for a Visa Signature card
- 8 complimentary airport lounge visits a year plus multi-trip travel insurance
- Free-for-life supplementary cards
- You earn nothing at all if total monthly spend is under AED 3,000
- The headline 10% rate needs AED 20,000+ of monthly spend — most people will earn 3% or 5%
- Everything outside the four B.E.S.T categories earns zero cashback
- 3.5% foreign-currency fee, charged even on AED-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
- Your card spend comfortably clears AED 3,000 a month — ideally AED 10,000+.
- Your money goes on utility bills, school fees, supermarkets and petrol.
- You want a low salary requirement (AED 5,000) with Signature-level perks.
Consider skipping it if
- You spend under AED 3,000 a month on cards — you'd earn exactly nothing.
- Your spending is mostly dining, shopping or travel — those categories earn 0%.
- You spend a lot overseas; the 3.5% FX fee erases any cashback logic.
Alternatives to consider
No spend tiers to track — a straightforward cashback card for people who don't want homework.
Best cashback cards →
CBD's free-for-life card refunds up to AED 135 a month at noon, Talabat, Netflix and other everyday apps.
Best no-annual-fee cards →
Strong supermarket cashback with a lower entry bar — worth comparing if bills and fuel matter less to you.
Best grocery 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
What are the B.E.S.T categories on the CBD Super Saver card?+
Bills (water and electricity), Education (school, college and university fees in the UAE and abroad), Supermarkets, and Transport (fuel and gas stations). Only spending in these four categories earns cashback.
How much cashback does the CBD Super Saver card earn?+
It is tiered by your total monthly spend across all categories: 3% cashback if you spend AED 3,000–9,999, 5% for AED 10,000–19,999, and 10% for AED 20,000 or more. Below AED 3,000 of total monthly spend you earn nothing.
Is there a cap on Super Saver cashback?+
Yes — cashback is capped at AED 150 per B.E.S.T category and AED 600 in total per calendar month.
Is the CBD Super Saver card free?+
The AED 420 annual fee (VAT inclusive) is waived for the first year. From year two, waiver depends on meeting the minimum annual spend published by CBD.
What is the minimum salary for the CBD Super Saver card?+
AED 5,000 per month for salaried applicants. Self-employed applicants need a valid trade licence.
Does the CBD Super Saver card include lounge access?+
Yes — 8 complimentary visits per year to over 1,000 airport lounges worldwide via the Visa Airport Companion app.
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.