CBD Yes Rewards Credit Card
20,000 Yes Points welcome bonus — worth AED 200 of fuel
at CBD's secure site
See rates & fees.
Rewards rate
"This is the easiest welcome bonus in the UAE — AED 200 of fuel for spending one dirham. Whether the card earns its place after that depends entirely on two numbers: how much you put through the card each month, and how much of it goes to ENOC pumps."
Earning and redeeming Yes Reward Points
Earnings at ENOC and EPPCO stations — fuel, ZOOM convenience stores, AutoPro and Pronto — are tiered by your total monthly card spend: 3 points per AED 1 below AED 2,500, 10 points from AED 2,500, and 15 points from AED 10,000. Caps rise with the tiers: 7,500, 12,500 and 17,500 points a month, worth AED 75–175. Everything else earns 1 point per AED 1, with bank-defined exclusion categories earning nothing.
Points flow into ENOC's Yes app by the 15th of the following month — the same membership you'd use at the station — and redeem at 100 points = AED 1 for fuel, station services and in-app merchant offers. That rate is ENOC's to set, and expiry follows ENOC's rules, so treat Yes Points as a fuel discount, not a savings account.
Rates and fees
- Annual fee
- AED 0 first year, then AED 208.95 (VAT inclusive) — waived with AED 12,000+ annual spend
- Welcome bonus
- 20,000 Yes Points (AED 200) for any AED 1+ spend within 90 days; first-time cardholders only
- Rewards
- 3–15 Yes Points per AED at ENOC/EPPCO by monthly spend tier; 1 point per AED elsewhere
- 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 (family members aged 15+)
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 15% at ENOC & EPPCO
Tiered Yes Points on fuel, ZOOM, AutoPro and Pronto spend — up to 15 points per AED 1, capped at AED 175 a month at the top tier.
AED 200 welcome gift
20,000 Yes Points credited after any AED 1+ spend in your first 90 days — enough for a free tank of fuel.
8 lounge visits a year
Complimentary access to 1,000+ airport lounges via the Visa Airport Companion app; extra visits USD 32.
Automatic travel insurance
Multi-trip travel and medical cover for accidents and inconvenience on trips up to 90 days.
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.
Pros and cons
- Up to 15% back on ENOC & EPPCO spend — fuel, ZOOM stores, AutoPro and Pronto
- Easy 20,000-point (AED 200) welcome bonus: just spend AED 1 within 90 days
- First year free; from year two the fee is waived with AED 12,000 annual spend
- 8 complimentary lounge visits a year plus automatic travel insurance
- Low AED 5,000 minimum salary and free-for-life supplementary cards
- The 15% rate needs AED 10,000+ total monthly spend — below AED 2,500 it's only 3%
- Fuel earnings are capped at AED 75–175 a month depending on your tier
- Points live in ENOC's Yes app and are effectively worth fuel and station spend, not cash
- Everything outside ENOC/EPPCO earns at most 1% — and some categories earn nothing
- 3.5% foreign-currency fee and a high 3.85% monthly interest rate (46.2% APR)
Is it right for you?
Get this card if
- You fill up at ENOC or EPPCO and put AED 2,500+ a month on cards.
- You want the easiest AED 200 welcome bonus in the market.
- You're happy redeeming rewards as fuel and station spend via the Yes app.
Consider skipping it if
- You fuel up at ADNOC — the 15% only works at ENOC and EPPCO stations.
- Your monthly card spend is low; under AED 2,500 the fuel rate drops to 3%.
- You want flexible rewards — Yes Points can't be taken as cash or statement credit.
Alternatives to consider
CBD's Super Saver pays up to 10% on fuel at any station — plus bills, education and supermarkets — with a higher AED 600 monthly cap.
Best fuel & transport 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 →
Straight cashback you can actually spend anywhere — better if you don't want rewards locked to fuel stations.
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
How much do I earn at ENOC and EPPCO with the CBD Yes Rewards card?+
It depends on your total monthly card spend: 3 points per AED 1 (3% back) if you spend up to AED 2,499, 10 points (10%) for AED 2,500–9,999, and 15 points (15%) for AED 10,000+. Monthly caps apply: 7,500 / 12,500 / 17,500 points respectively — worth AED 75 / 125 / 175.
What are Yes Reward Points worth?+
100 Yes Reward Points are worth AED 1 — the 20,000-point welcome bonus equals AED 200. The redemption rate is set and can be revised by ENOC.
How do I get the 20,000-point welcome bonus?+
Make any spend of AED 1 or more within 90 days of card issuance. The bonus is for first-time Yes Rewards cardholders only — conversions of existing CBD cards and reapplications within 6 months of cancelling don't qualify.
How do I redeem Yes Reward Points?+
Points are transferred to your Yes app membership (ENOC's loyalty program) by the 15th of the following month. Redeem them in the Yes app for fuel and services at ENOC/EPPCO stations, or for merchant discounts and offers in the app.
Is the CBD Yes Rewards card free?+
The first year is free. From year two the fee is AED 208.95 (VAT inclusive; AED 199 before VAT), waived if you spend more than AED 12,000 on the card in the year.
What earns points outside ENOC and EPPCO?+
Other domestic and international spend earns 1 point per AED 1 (about 1% back). Certain 'preferential' merchant categories defined by the bank, and utility bill payments made through CBD's own banking channels, earn no points.
Does the card include lounge access?+
Yes — 8 complimentary airport lounge visits per calendar year via the Visa Airport Companion app; additional visits are charged at USD 32.
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.