CBD Visa Infinite Credit Card Guide (UAE): Premium Banking, Travel & Lifestyle — Explained Clearly

In a UAE market where premium credit cards often blur into one another, the CBD Visa Infinite Credit Card stands out for a specific reason: it is engineered around measurable privileges tied to real-world spend, not vague luxury branding. Issued by Commercial Bank of Dubai (CBD), this card targets high-income residents who travel frequently, value structured rewards, and want tangible lifestyle benefits without private-banking lock-ins.

What Is the CBD Visa Infinite Credit Card?

The CBD Visa Infinite Credit Card is a top-tier Visa Infinite product offered by Commercial Bank of Dubai, regulated by the Central Bank of the UAE. It sits above Platinum and Signature cards, offering:

• Accelerated rewards on domestic and international spending
• Visa Infinite–level travel insurance and lounge access
• Lifestyle benefits tied to UAE-specific partners (Emaar, VOX, valet networks)
• Fee waivers linked to annual spend thresholds rather than discretionary approval

From an entity perspective, this card connects three major ecosystems:

1. CBD Rewards Platform
2. Visa Infinite global privileges
3. UAE lifestyle and travel infrastructure

Who Is This Card Designed For?

The CBD Visa Infinite is not positioned as an “entry premium” card. It is optimized for:

• UAE residents earning AED 15,000+ monthly
• Frequent international travelers
• Professionals and business owners with predictable card spend
• Families seeking bundled travel insurance and lounge access
• Consumers who want fee waivers through usage, not negotiation

It is not ideal for users carrying revolving balances, due to its high monthly interest rate.

Financial Requirements, Fees & Core Costs

Minimum Eligibility

• Minimum salary: AED 15,000 per month
• Nationality: UAE nationals and expatriates
• Employment: Salaried or self-employed

Annual Fee Structure

• First year: Free (standard offer)
• Subsequent years: AED 787.50
• Fee waiver: Automatically waived when annual spend exceeds AED 100,000

Interest & Charges (Key Figures)

• Interest rate: ~3.85% per month
• Late payment fee: AED 241.50
• Overlimit fee: AED 304.50
• ATM cash withdrawal: AED 204.75
• Card shield insurance: 1% of outstanding balance

All fees include 5% VAT, in line with UAE banking regulations.

CBD Rewards Program: How Points Actually Work

The CBD Visa Infinite earns CBD Reward Points, which function as a flexible currency rather than a single-purpose miles program.

Earning Structure

• International spend: up to 3 points per AED
• Domestic spend: up to 2.5 points per AED

Redemption Options

Points can be redeemed through the CBD Mobile App for:

• Emirates Skywards Miles
• Cashback against card balance
• Airline tickets and hotel bookings
• Shopping vouchers and electronics

This flexibility positions CBD Rewards as a bank-controlled loyalty asset, not an airline-dependent one.

Travel Benefits: Lounge Access, Insurance & Hotel Discounts

Airport Lounge Access

• 12 complimentary visits per year
• Access to 1,200+ lounges worldwide
• Managed via the Visa Airport Companion App

Travel Insurance (Visa Infinite Level)

Coverage applies to the cardholder, spouse, and dependent children:

• Emergency medical expenses: up to US$2.5 million
• Personal accident cover: up to US$500,000
• Trip cancellation/curtailment: up to US$7,500
• Baggage delay coverage included
• Valid for trips up to 90 days

Hotel & Travel Discounts

• Up to 12% off on Agoda (985,000+ properties)
• Up to 8% off on Booking.com

These discounts are transactional, not points-based—useful even when redeeming miles elsewhere.

Lifestyle Privileges UAE

Cinema & Entertainment

• 50% off VOX Cinema tickets
• Up to 6 tickets per calendar month

Valet Parking

• 3 complimentary valet services per month
• Locations include:
  • Dubai International Airport (T1 & T3)
  • Al Maktoum International Airport
  • Major malls and lifestyle hubs

Golf Access

• Complimentary rounds at:
  • Arabian Ranches Golf Club
  • The Track, Meydan
• Requires AED 10,000 monthly retail spend

Emaar Attractions Discounts

• 20% off: Dubai Aquarium, KidZania, Dig It, E-Kart Zabeel
• 15% off: Dubai Ice Rink
• Bonus VR Park credits with qualifying spend

These benefits align tightly with Dubai’s lifestyle economy, not generic global offers.

Current Promotions

• Welcome cashback: AED 2,000
  • Requires AED 12,000 spend within first 30 days
• Reward points draw:
  • Applications approved before 31 August 2025
  • Chance to win 1 million CBD Reward Points

Promotions are time-bound and subject to CBD approval criteria.

Application Process & Required Documents

How to Apply

• CBD official website
• CBD Mobile App
• Emirates ID–based digital onboarding supported

Required Documents

Salaried applicants

• Emirates ID
• Passport & residence visa
• Salary certificate or employment letter
• Recent bank statements

Self-employed

• Emirates ID
• Passport & residence visa
• Valid trade licence
• Business bank statements

CBD may request additional documentation under UAE compliance rules.

CBD Visa Infinite vs Other UAE Infinite Cards

Compared to Emirates NBD Visa Infinite or ADCB Infinite:

• CBD emphasizes reward flexibility over airline lock-in
• Stronger UAE lifestyle partnerships (Emaar, valet networks)
• Lower income threshold than private-banking Infinite variants

This positions it as a mass-affluent premium card, not an invitation-only product.

FAQs

Is the CBD Visa Infinite Credit Card worth it in the UAE?

Yes—if you spend AED 100,000+ annually and use travel or lifestyle benefits. Otherwise, the annual fee and interest rate reduce value.

Can CBD Reward Points be transferred to another person?

No. Points are non-transferable and linked to the original cardholder’s account.

Does the annual fee ever change?

CBD can revise fees, but must provide 60 days’ written notice, in line with UAE banking regulations.

What happens if I miss a payment?

Late payment fees apply, interest accrues at ~3.85% monthly, and your credit score with Al Etihad Credit Bureau may be affected.

Is this card suitable for carrying balances?

No. This card is optimized for full monthly repayment, not revolving credit.

Does lounge access include guests?

Guest access depends on lounge policies; most visits are counted per entry.

Can tourists apply for this card?

No. A valid UAE residence visa and Emirates ID are mandatory.

Final Takeaway

The CBD Visa Infinite Credit Card is not about aspirational luxury—it is about structured, spend-driven value within the UAE’s travel and lifestyle ecosystem. For residents who understand how to extract benefits systematically, it remains one of the most balanced Visa Infinite cards in the UAE market.