CBD Visa Infinite
Up to 3 points per — if you can feed the 10,000 monthly spend gate
at Commercial Bank of Dubai's secure site
See rates & fees.
Rewards rate
"This card makes sense at one spend level: 10,000 a month, every month. That is what switches on the golf, the valet and the half-price VOX tickets, and 100,000 a year is what kills the fee. Below that line the perks go dark and you're better off with CBD's free cashback cards."
Earning and redeeming CBD Rewards Points
The Visa Infinite earns up to 2.5 CBD Rewards Points per 1 domestically and up to 3 internationally — on paper one of the highest headline rates in the UAE. The asterisk is the phrase 'up to': CBD publishes neither the tiering behind it, nor an earning cap, nor what a point is actually worth in , so the real return only becomes visible once you hold the card.
Redemption happens in the CBD Mobile App: convert points to Emirates Skywards Miles, or take cashback, shopping vouchers, flights, hotel bookings, charity donations or Pay with Points at the till. The Skywards route is the interesting one for travellers, though the conversion rate is also unpublished — check it in the app before you commit points.
Rates and fees
- Annual fee
- 787.50 incl. VAT — first year free, then waived in any year with 100,000+ card spend
- Interest rate
- 3.85% per month (46.20% APR) on purchases and cash withdrawals
- Foreign transaction fee
- 3.5% on international transactions in or foreign currency, plus Visa's standard processing fee
- Cash withdrawal fee
- Flat 204.75 per withdrawal (raised from 157.50 in Sep 2025)
- Late payment fee
- 241.50
- Over-limit fee
- 304.50 per instance
- Supplementary cards
- Free for life
- Balance transfer / Cash on Call / EPP
- Up to 1.8% per month on reducing balance (0–33.5% APR), processing fee up to 9.45%, early settlement 1.05% (min 105)
- Credit Shield (optional)
- 1% of the outstanding balance per month
- Minimum salary
- 15,000 per month; nationals 21–65, residents 21–63
Figures from the CBD Key Facts Statement (17 December 2025 update) and the bank's benefit terms; all fees include 5% VAT. Verify on cbd.ae before applying.
Card benefits
12 lounge visits + guest
12 visits per calendar year for you and a guest at 1,200+ lounges via Visa Airport Companion — a guest visit counts as two.
4 golf rounds a month
The Track Meydan and Arabian Ranches Golf Clubs, with 10,000 retail spend in the calendar month.
3 valet visits a month
Valtrans/The Valet at selected UAE locations, same 10,000 monthly spend condition.
50% off VOX tickets
Half-price on 6 VOX tickets per month with 10,000 spend — clawed back if you use it without qualifying.
Booking.com discount
Up to 7% off accommodation bookings paid with the card.
Purchase & warranty cover
Purchase protection, extended warranty, multi-trip travel insurance (90 days, family included) and fraud misuse protection.
Pros and cons
- First year free, and the 787.50 fee is waived every year you spend 100,000+ on the card
- Points convert to Emirates Skywards Miles, or redeem instantly for cashback and vouchers in the app
- 12 lounge visits a year include a guest — many cards charge for companions
- Genuinely broad lifestyle bundle: golf, valet, half-price VOX tickets and Emaar discounts
- Supplementary cards are free for life
- Golf, valet and cinema perks all require 10,000 retail spend in the same calendar month — and the cinema discount is clawed back if you fall short
- 3.5% foreign transaction fee (charged even on -priced international transactions) plus the Visa scheme fee on top
- 3.85% monthly interest (46.20% APR) is among the highest in the UAE market
- Earn rates are 'up to' figures — the bank does not publish the tiering, the earning cap or the value of a point
- Lounge access needs Visa Airport Companion registration, and guest visits burn two of your 12 annual visits
Is it right for you?
Get this card if
- You spend 10,000+ a month on retail anyway — that single threshold unlocks golf, valet and cinema
- You'll clear 100,000 a year, making the card effectively free for life
- You want points that convert to Skywards Miles with instant in-app redemption as a fallback
Consider skipping it if
- Your monthly card spend is under 10,000 — the headline perks simply won't activate
- You spend a lot abroad — 3.5% fx plus scheme fees erases the extra international earn rate
- You want a transparent rewards return — CBD publishes neither point value nor earning caps
Alternatives to consider
Up to 10% cashback on bills, education, supermarkets and fuel with a far lower fee — no point-value guesswork.
Best cashback cards →
The same CBD Rewards engine at up to 1.5 points per 1, free for life with just 5,000 minimum salary.
Best no-annual-fee cards →
A Sharia-compliant premium alternative earning Smiles points with its own lounge and lifestyle bundle.
Best lounge access 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 Visa Infinite Credit Card?+
AED 787.50 including VAT. The first year is free, and from year two the fee is waived in any year you spend over AED 100,000 on the card.
What is the minimum salary for the CBD Visa Infinite?+
AED 15,000 per month for salaried applicants. UAE nationals aged 21–65 and UAE residents aged 21–63 can apply; self-employed applicants also need a valid trade licence.
How many points does the CBD Visa Infinite earn?+
Up to 2.5 CBD Rewards Points per AED 1 on domestic spend and up to 3 points per AED 1 on international spend. The bank does not publish the tiering behind these 'up to' rates or the AED value of a point.
How do I redeem CBD Rewards Points?+
Through the CBD Mobile App or online banking — for Emirates Skywards Miles, cashback, shopping vouchers, flights, hotel bookings, charity donations or Pay with Points.
Does the CBD Visa Infinite include airport lounge access?+
Yes — 12 complimentary visits per calendar year for the cardholder plus one guest at over 1,200 lounges, via the Visa Airport Companion app. A visit with a guest counts as two visits, and the bank's lounge FAQ requires a minimum USD 1 international spend on the card before free visits after the first.
What are the golf benefit conditions?+
Four complimentary rounds per calendar month at The Track Meydan and Arabian Ranches Golf Clubs in Dubai, provided you make at least AED 10,000 of retail spend on the card in that calendar month.
What is the interest rate on the CBD Visa Infinite?+
3.85% per month (46.20% APR) on both purchases and cash withdrawals, accrued daily when you do not pay the total amount due in full by the payment due date.
What is the foreign transaction fee?+
3.5% on international transactions — charged whether the transaction is in AED or a foreign currency — plus the standard processing fee charged by Visa on top.
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.