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Cashback
Commercial Bank of Dubai
One Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.85%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
57.4%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.85%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 57.4%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- No annual fee, free for life (supplementary cards also free for life)
- Earn up to AED 135 cashback every month at selected merchants
- Cashback merchants include noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, Zomato, Talabat, Deliveroo, Netflix, Prime Video, Spotify, Novo/VOX/Reel/Roxy cinemas, Starbucks, Costa, Tim Hortons, ClassPass, Fitness First
- Cashback requires meeting the monthly spend criteria of AED 5,000; credited once per month
- 8 complimentary visits per year to over 1,000 airport lounges via Visa Airport Companion App
- Multi-trip travel insurance for cardholder and family, 90 days from date of travel, up to USD 500,000
- Purchase protection and extended warranty (doubles the original manufacturer's warranty up to 1 year)
- Choice of card designs ('A credit card designed by you')
- Emaar attractions: 20% off KidZania, E-Kart Zabeel, The Storm Coaster, Dubai Ice Rink and Zabeel Sports District; bonus credits at Play DXB
- 2-for-1 offers via the Xperience app with the ENTERTAINER powered by Visa
- Welcome offer: 0% interest on Balance Transfer and Cash on Call 6- and 12-month plans within 30 days of card issuance (valid until 31 December 2025; one-time processing fee 3.99% / 6%)
- 0% easy payment plan to convert purchases into monthly installments
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.