Commercial Bank of Dubai credit cards
Commercial Bank of Dubai P.J.S.C is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: interest on purchases and cash 3.85% a month; 1.50% on the CBD Private Visa Infinite Metal card.
Commercial Bank of Dubai P.J.S.C is on the Central Bank of the UAE’s register as a national bank licensed for conventional retail banking in Dubai.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a Commercial Bank of Dubai credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Interest on purchases and cash | 3.85% a month; 1.50% on the CBD Private Visa Infinite Metal card |
| Annual fee | Free on CBD One Visa Signature; AED 208.95 to AED 787.50 on the other cards on sale, first year free on Visa Infinite, Super Saver and Yes Rewards |
| Late payment fee | AED 241.50 |
| Over-limit fee | AED 304.50 |
| Foreign currency fee | 3.5% on payments abroad in a foreign currency or in AED, plus the card network's processing fee |
| Balance transfer | Up to 1.39% a month; early settlement 1.05% or AED 105, whichever is higher |
| Easy payment plan | Processing fee up to 9.45% of the purchase |
| Card replacement | AED 78.75 |
The figures come from Credit Card Schedule of Charges (Undated; some rows effective 17 December 2025).2
Commercial Bank of Dubai’s schedule says VAT does not apply to interest, and that the annual fee on Visa Infinite, Super Saver and Yes Rewards cards is reversed automatically when you reach the card’s annual spend target.2
What salary do you need for a Commercial Bank of Dubai card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.3 Commercial Bank of Dubai publishes these minimums:4
| Card | Minimum monthly salary |
|---|---|
| Super Saver Credit Card | AED 5,000 for salaried applicants |
How do you complain to Commercial Bank of Dubai?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules Commercial Bank of Dubai must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.5 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
5
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2Commercial Bank of Dubai, Credit Card Schedule of Charges, Undated; some rows effective 17 December 2025. Last checked 12 Nov 2026. Source document: Credit Card Schedule of Charges
3Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
4Commercial Bank of Dubai, CBD Super Saver Credit Card. Last checked 12 Nov 2026. Source document: CBD Super Saver Credit Card
5Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published