PayperWIZ

CBD Smiles Signature cashback rate, cap and annual fee

CBD Smiles Signature pays 8% at Etisalat channels and the Smiles app — on the first AED 2,500 you spend on it each month, which is where the AED 200 cap stops it. The card costs AED 525 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Commercial Bank of Dubai · United Arab Emirates · catalogue v121

Read from Commercial Bank of Dubai's own published terms on 30 Oct 2026.

AED 525Annual fee
8%Best rate

What it pays, by category

SpendingRateMonthly cap
Etisalat channels and the Smiles appphone and internet8.00%AED 200reached at AED 2,500 of spend10 Smiles points per AED on Etisalat payment channels and in the Smiles app, 25,000 points a calendar month.
International purchaseseverything else2.40%—3 Smiles points per AED on other spend in foreign currency.
everything else1.60%—2 Smiles points per AED on other spend in AED.
groceries0.40%—0.5 Smiles points per AED on supermarkets (MCC 5411), one of CBD's low-earning merchant categories.
fuel0.40%—0.5 Smiles points per AED on fuel (5541, 5542), one of CBD's low-earning merchant categories.
government0.40%—0.5 Smiles points per AED on government and utility payments (4900, 9399 and others), one of CBD's low-earning merchant categories.
phone and internet0.40%—0.5 Smiles points per AED on phone and internet bills (4812, 4814, 4816 and others), one of CBD's low-earning merchant categories.
education0.40%—0.5 Smiles points per AED on education, one of CBD's low-earning merchant categories.
dining0.40%—0.5 Smiles points per AED on restaurants and quick service restaurants (5811 to 5814), one of CBD's low-earning merchant categories.
car rental and travel agenciestravel0.40%—0.5 Smiles points per AED on car rental and travel agencies (3351 to 3500, 4722, 7512).
Earn table from the card's terms (Table 1, 11 Mar 2025) and the page's own calculator, which multiplies "Other Spends (eg: Fuel, Utility)" by 0.5: 2 points per AED in AED, 3 abroad, 0.5 on supermarkets, fuel, government and utilities, telecom, education, restaurants, car rental, travel agencies, cars and insurance, 10 on Etisalat and Smiles to 25,000 a month. The page's "up to 3" and "up to 2" are these. Valued through the Smiles programme. A 5,000-point bonus for AED 10,000 in a calendar quarter is not modelled. Utility bills paid through CBD's own app earn nothing. AED 525 a year including VAT, free the first year, waived on AED 24,000 of retail spend. 3.5% foreign transaction fee (KFS, 3 Sep 2026). Source: cbd.ae Smiles Visa Signature page, CBD Smiles Visa terms and the card's KFS, read 30 Oct 2026.

Questions people ask

What cashback does the CBD Smiles Signature pay?

8% at Etisalat channels and the Smiles app, and 9 other rates. The top rate is capped at AED 200 a month.

Is there a cap on the CBD Smiles Signature?

Yes. etisalat channels and the smiles app is capped at AED 200 a month.

What is the annual fee on the CBD Smiles Signature?

AED 525 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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Other United Arab Emirates cards read off the issuer