CBD Titanium Mastercard
CBD Reward Points on every
at CBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"We can't do the math on this card, because CBD won't show it: no fee amount, no earn rate, and a page whose promo copy expired a while back. When a bank's own current fee documents skip a card, that usually means it's not really being sold — and at 15,000 salary you have far better-documented options, including at CBD itself."
Earning and redeeming CBD Reward Points
The Titanium earns CBD Reward Points on every , but the page never says how many, and the card is absent from the earn tables CBD publishes for its current lineup. The redemption side is genuinely flexible: through the CBD Mobile App you can turn points into flights, hotel bookings, Emirates Skywards Miles, shopping vouchers, cashback, charity donations or Pay with Points.
Without a published earn rate or Skywards conversion ratio, we can't estimate value per — treat any rewards value as unverified until CBD quotes you numbers in writing.
Rates and fees
- Annual fee
- Not published. The English page says a fee applies from the first year; the Arabic page says from the second. No amount appears anywhere current.
- Interest rate
- 3.85% per month (46.20% p.a.) on purchases and cash withdrawals
- Minimum salary
- 15,000 per month
- Foreign transaction fee
- 3.5% — also applies to -denominated transactions processed abroad, plus Mastercard's own processing fee
- Cash withdrawal fee
- Flat 204.75 per withdrawal
- Late payment fee
- 241.50
- Overlimit fee
- 304.50 per instance
- Supplementary cards
- Up to 5, free (family aged 15+)
- Card network
- Mastercard Titanium
Generic fees from CBD's Key Facts Statement and Schedule of Charges (17 December 2025), which apply across conventional variants; the Titanium itself is not listed in their variant tables. Confirm all terms with CBD before applying.
Card benefits
Flexible point redemption
Redeem CBD Reward Points for flights, hotels, Skywards Miles, vouchers, cashback or charity through the CBD app.
Regional lounge access
10+ Marhaba and CAC lounges in the UAE, KSA, Jordan, Kuwait and Egypt via Mastercard Travel Pass — cardholder only.
Priceless Specials 2-for-1
Thousands of 2-for-1 dining, fitness, beauty, hotel and attraction offers across the Middle East.
Booking.com & Rentalcars
Up to 10% back on hotel bookings via booking.com/mastercardmea and 10% off Rentalcars.com.
0% instalment plans
Convert purchases into monthly instalments at 0% interest at eligible merchants; Cash on Call up to 90% of your limit over 36 months.
Chip & PIN and Credit Shield
Chip & PIN security with optional CBD Credit Shield insurance at 1% of the outstanding balance.
Pros and cons
- CBD Reward Points redeem flexibly — flights, hotels, Skywards Miles, vouchers or cashback
- Some regional lounge access (10+ Marhaba/CAC lounges) unusual at the Titanium tier
- Up to 5 free-for-life supplementary cards (family members aged 15+)
- 0% easy instalment plans at eligible merchants and Cash on Call up to 90% of your limit
- Priceless Specials 2-for-1 offers and 20% off Emaar attractions
- Annual fee applies but CBD does not publish the amount anywhere current — you find out when you apply
- Earn rate per is not published either, so the rewards value is unverifiable
- Steep 15,000 minimum salary for a mid-tier card — triple what CBD's Smiles cards require
- Absent from CBD's current KFS and Schedule of Charges variant lists — it looks like a legacy product
- 3.5% foreign-currency fee, also charged on -priced international transactions
- Lounge access is regional (Marhaba/CAC), cardholder-only, and entitlements 'vary by card type'
Is it right for you?
Get this card if
- You already hold this card — the redemption options via the CBD app remain decent.
- CBD has quoted you the fee and earn rate in writing and the numbers work for you.
- You specifically want Skywards-convertible bank points on a Mastercard at CBD.
Consider skipping it if
- You're choosing a new card — CBD's Smiles and One cards publish their numbers and ask a third of the salary.
- You expect real lounge coverage when you travel — this is 10+ regional lounges, cardholder only.
- You won't apply for a product whose annual fee isn't published. That's a reasonable position.
Alternatives to consider
Same CBD Reward Points with Skywards redemption, but with published fees ( 787.50, first year free), golf, valet and a documented 3x earn rate.
A third of the salary requirement, fully published numbers, 10x on etisalat, 8 lounge visits and travel insurance — the better-documented CBD card.
A straightforward cashback card with published rates beats an unpublished points rate every time.
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
What is the annual fee on the CBD Titanium Mastercard?+
CBD doesn't currently publish it. The English page says an annual fee applies from the first year (the Arabic page says from the second), but no amount appears on the page, in the Key Facts Statement or in the Schedule of Charges. Confirm with the bank before applying.
What is the minimum salary for the CBD Titanium card?+
AED 15,000 per month for salaried applicants — notably higher than CBD's Smiles cards at AED 5,000.
What rewards does the CBD Titanium card earn?+
CBD Reward Points on every dirham spent, but the bank does not publish the points-per-dirham rate for this card. Points redeem through the CBD app for flights, hotels, Skywards Miles, vouchers, cashback, charity donations or Pay with Points.
Does the CBD Titanium card include airport lounge access?+
Yes — complimentary access to over 10 Marhaba and CAC lounges in the UAE, Saudi Arabia, Jordan, Kuwait and Egypt via the Mastercard Travel Pass app. It's for the cardholder only; guests are charged, and each cardholder must register separately.
How many supplementary cards can I get?+
Up to 5 free supplementary cards for family members aged 15 or above.
What is the interest rate on the CBD Titanium card?+
3.85% per month (46.20% p.a.) on purchases and cash withdrawals, per CBD's December 2025 Key Facts Statement covering all conventional variants.
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.