CBD Visa Platinum
No annual fee. Ever. That's the whole pitch — and it's a decent one
at Commercial Bank of Dubai's secure site
See rates & fees.
Rewards rate
"Take this card for what it is: a free-forever backup that earns a little on everything and asks nothing in return. The Skywards conversion is a nice touch at this salary tier. Just don't take it travelling — 3.5% fx plus scheme fees — and don't expect the perks CBD saves for its paid cards."
Earning and redeeming CBD Rewards Points
The Visa Platinum earns up to 1.5 CBD Rewards Points per 1 on every spend — a solid headline for a free card, with the usual CBD asterisk: the bank publishes neither the tiering behind 'up to', nor an earning cap, nor what a point is worth in .
Redemption runs through the CBD Mobile App: convert to Emirates Skywards Miles, or take cashback, shopping vouchers, flights, hotel bookings, charity donations or Pay with Points. Skywards conversion on a card with an 5,000 salary bar is rare — just check the in-app rate before moving points.
Rates and fees
- Annual fee
- 0 — free for life, no spend condition (per the card's own KFS)
- 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
- Up to 5, free
- Balance transfer / Cash on Call / EPP
- Up to 1.8% per month on reducing balance; 0% welcome plans for 6 and 12 months within 30 days of issuance (one-time processing fee applies)
- Credit Shield (optional)
- 1% of the outstanding balance per month
- Minimum salary
- 5,000 per month; nationals 21–65, residents 21–63
Figures from the CBD Visa Platinum Key Facts Statement (22 September 2025 version) and the Dec 2025 general KFS; all fees include 5% VAT. Verify on cbd.ae before applying.
Card benefits
Free for life
No annual fee ever, no spend condition — and up to 5 free supplementary cards for the family.
CBD Rewards on everything
Up to 1.5 points per 1, redeemable in-app for Skywards Miles, cashback or vouchers.
Skywards conversion
A rare Skywards route at this salary tier — convert points to Emirates Skywards Miles in the CBD App.
Booking.com & Agoda discounts
Up to 8% off Booking.com stays and 12% off 985,000+ properties on Agoda.
Entertainer 2-for-1
Xperience with the ENTERTAINER offers powered by Visa, plus BOGO deals in the CBD App.
0% welcome plans
0% interest on balance transfer and quick cash for 6–12 months within 30 days of issuance; processing fee applies.
Pros and cons
- Genuinely free for life — no annual fee and no spend condition to keep it that way
- Accessible 5,000 minimum salary
- Points convert to Emirates Skywards Miles or instant cashback and vouchers in the app
- Up to 5 free supplementary cards for the family
- 0% welcome offer on balance transfer and quick cash for new cardholders (6 and 12 months, within 30 days of issuance)
- No lounge access, golf, valet or cinema perks — those live on CBD's Signature and Infinite tiers
- 'Up to 1.5 points per 1' with no published tiering, cap or point value — the real return is a black box
- 3.5% foreign transaction fee plus scheme fees makes it a poor travel companion
- 3.85% monthly interest (46.20% APR) is among the highest in the market
- The 0% balance-transfer welcome offer still carries a one-time processing fee
Is it right for you?
Get this card if
- You earn 5,000+ and want a first or backup card that never charges a fee
- You value simple app redemption — or the outside shot at Skywards Miles on a free card
- You're consolidating other banks' card debt and can use the 0% welcome balance transfer
Consider skipping it if
- You want lounge access or lifestyle perks — CBD keeps those for Signature and Infinite
- You spend abroad often — 3.5% fx plus scheme fees swallows the rewards
- Your spend concentrates on bills, groceries and fuel — CBD's Super Saver pays up to 10% there
Alternatives to consider
Up to 10% cashback on bills, education, supermarkets and fuel — much stronger everyday value from the same bank.
Best cashback cards →
Also free for life, with up to 135 monthly cashback on food delivery, travel, fitness and coffee.
See the CBD One card →
FAB's cashback card is a straightforward no-guesswork alternative if you'd rather earn cash than opaque points.
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 Visa Platinum have an annual fee?+
No — it is free for life. Unlike CBD's premium cards, there is no spend condition attached to the waiver: you simply never pay an annual fee.
What is the minimum salary for the CBD Visa Platinum?+
AED 5,000 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 Platinum earn?+
Up to 1.5 CBD Rewards Points per AED 1 of spend. The bank does not publish the tiering behind the 'up to', the earning cap 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 Platinum include airport lounge access?+
No. Lounge access at CBD starts at the Visa Signature tier (8 visits a year) and Visa Infinite (12 visits with a guest); the Platinum card has none.
What is the welcome offer?+
New credit card customers get 0% interest on quick cash (Cash on Call) and balance transfer plans of 6 and 12 months when applied for within 30 days of card issuance, via the CBD Mobile App. A one-time processing fee applies.
What is the interest rate on the CBD Visa Platinum?+
3.85% per month (46.20% APR) on both purchases and cash withdrawals when you do not pay the total amount due in full by the due date.
How many supplementary cards can I get?+
Up to 5 supplementary cards, free of charge.
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.