Smiles Visa Signature

Up to eight complimentary visits per calendar year to over 1,000 airport lounges worldwide via the Visa Airport Companion App / Lounge Key. Primary and supplementary cardholders each get eight visits. The first visit each calendar year is complimentary; subsequent complimentary visits require a minimum international spend of USD 1 on the card.

How often

8 uses a year

How to use it

Redeem in a partner app — Download and register on the Visa Airport Companion App and present the digital membership at participating lounges.

Caps and limits

Maximum 8 visits per calendar year per cardholder; subsequent visits after the first require a minimum international spend of USD 1; excess visits are charged USD 32 to the card.

Where

International, All emirates

“Enjoy up to a maximum of eight complimentary visits in a calendar year at over 1,000 airport lounges across the world via Lounge Key.”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

From the second year onwards, the AED 500 + 5% VAT annual fee can be waived if a minimum annual retail spend of AED 24,000 is achieved.

How often

Yearly

How to use it

Applied automatically — Waiver granted automatically when the minimum annual retail spend threshold is achieved.

Caps and limits

Subject to achieving an annual minimum retail spend of AED 24,000.

Where

All emirates

“is applicable on Smiles Signature Credit Card from second year onwards and can be waived subject to achieving an annual minimum retail spend of”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

The annual fee on the Smiles Visa Signature primary card is waived for the first year; the applicable fee (AED 525 including VAT) applies from the beginning of the second year onwards.

How often

Yearly

How to use it

Applied automatically — Applied automatically on card issuance; no action required.

Caps and limits

Waiver applies to the first year only for the primary card.

Where

All emirates

“Offered FREE for FIRST YEAR only, applicable fee will apply from the beginning of second year and thereon for each year (i.e., upon completion of each anniversary).”

Source: https://www.cbd.ae/docs/default-source/document/cards/cbd-kfs-conventional_cbd-smiles-signature-cc.pdf?sfvrsn=11a9066b_4 · Last checked 25 Aug 2026

Supplementary cards issued on the Smiles Visa Signature are free for life, with no annual fee charged on supplementary cards.

How often

Yearly

How to use it

Applied automatically — Request supplementary cards; no annual fee is charged.

Where

All emirates

“Free for life supplementary cards”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Earn 10 Smiles points for every AED spent on all Etisalat channels, the Smiles app and elGrocer, subject to a monthly cap of 25,000 Smiles points.

How often

Monthly

How to use it

Applied automatically — Points accrue automatically on eligible spend and can be redeemed via the Smiles programme.

Caps and limits

Monthly cap of 25,000 Smiles points on this accelerated category.

Where

All emirates

“10 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 25,000 Smiles points)”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

5,000 bonus Smiles points are credited at the beginning of every calendar quarter on achieving a cumulative spend of AED 10,000 in the previous calendar quarter.

How often

Quarterly

How to use it

Applied automatically — Bonus points credited automatically at the start of the following calendar quarter when the spend threshold is met.

Caps and limits

Requires cumulative spend of AED 10,000 in the previous calendar quarter.

Where

All emirates

“Quarterly bonus on Smiles Signature Credit Card: 5,000 Smiles points are offered in the beginning of every calendar quarter on achieving a cumulative spend of”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Earn up to 2 Smiles points for every AED spent on domestic transactions with the card.

How often

Always on

How to use it

Applied automatically — Points credited automatically to the Smiles account on eligible domestic spend.

Where

All emirates

“up to 2 Smiles points on all domestic spends”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Earn up to 3 Smiles points for every AED spent on international transactions with the card.

How often

Always on

How to use it

Applied automatically — Points credited automatically to the Smiles account on eligible international spend.

Where

International

“up to 3 Smiles points on all international spends”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Complimentary 90-day subscription to Smiles Unlimited, which includes Buy 1 Get 1 offers, free delivery on food and grocery orders and waived home service fees. After the free period, the subscription continues free for 30-day periods when 25,000+ Smiles points are earned on Smiles/Etisalat spends in the preceding 60 days; otherwise it can be renewed for AED 29 per month.

How often

Per event

How to use it

Redeem in a partner app — Subscription activated on the Smiles app for 90 days from card issuance; renewals handled on the Smiles app.

Caps and limits

Free renewal beyond 90 days requires earning 25,000+ Smiles points on Smiles/Etisalat MIDs spends in the last 60 days preceding each renewal.

Where

All emirates

“90-day complimentary subscription to Smiles Unlimited which includes Buy 1 Get 1 offers, free delivery on food & grocery orders, waived home service fees, and more.”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Access to exclusive 2-for-1 Visa Entertainer offers through the Visa Airport Companion app.

How often

Always on

How to use it

Redeem in a partner app — Download the Visa Airport Companion app and redeem the 2-for-1 offers in-app.

Where

All emirates, International

“Unlock a world of exclusive 2-for-1 offers when you download the Visa Airport Companion app.”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Welcome benefit of an extra AED 200 discount on hotel bookings made through Smiles Unravel. The discount code is issued within 30 days of card issuance in the Voucher section of the Smiles app and is valid for 90 days from issuance.

How often

Per event

How to use it

Voucher code — Discount code issued within 30 days of card issuance directly on the Smiles app under the Voucher section; apply it to an Unravel hotel booking.

Caps and limits

Valid for 90 days from issuance date; one-time welcome benefit.

Where

All emirates, International

“200 extra discount on hotel bookings with Unravel”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Convert card purchases into monthly instalments for up to 36 months at attractive rates, subject to conditions.

How often

Per event

How to use it

Activate in the bank's app — Apply through the CBD Mobile App to convert eligible purchases into instalments.

Caps and limits

Tenor up to 36 months; processing and early settlement fees may apply.

Exclusions

Cooling period is not applicable on Easy Payment Plan.

Where

All emirates

“Convert your purchases into monthly instalments for up to 36 months at attractive rates.”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Get bonus credits when purchasing Play DXB credits with a CBD credit card: AED 200 purchase gives AED 75 bonus, AED 300 gives AED 125, AED 400 gives AED 180 and AED 500 gives AED 250 in bonus credits.

How often

Per event

How to use it

Triggered by paying with the card — Purchase Play DXB credits using the CBD credit card to receive the tiered bonus credits.

Caps and limits

Bonus amount depends on the credit purchase tier (AED 200/300/400/500).

Where

Dubai

“Get bonus credits at Play DXB when you purchase credits using CBD Credit Card”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

20% discount on regular admission tickets at KidZania, E-Kart Zabeel, Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience, The Storm Coaster at Dubai Hills Mall, Dubai Ice Rink general admission and Zabeel Sports District (except badminton games).

How often

Always on

How to use it

Triggered by paying with the card — Pay for admission tickets at participating Emaar attractions with the CBD Smiles Visa Signature card to receive the discount.

Caps and limits

Applies to regular/general admission tickets at the listed attractions.

Exclusions

Zabeel Sports District discount excludes badminton games.

Where

Dubai

“20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Access to 24/7 global concierge support as part of the card's curated suite of lifestyle and travel privileges.

How often

Always on

How to use it

Call the concierge line — Contact the concierge service line available to cardholders.

Where

All emirates, International

“A curated suite of lifestyle benefits, including 24/7 global concierge support, Visa airport lounge access and premium travel privileges”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Extended Warranty benefit protecting the cardholder from theft or accidental damage.

How often

Always on

How to use it

Applied automatically — Cover applies automatically to eligible purchases made on the card; claims via the Visa benefits administrator.

Where

All emirates, International

“Extended Warranty Protects you from theft or accidental damage”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Purchase Protection doubles the repair period offered by the original manufacturer warranty, up to one year.

How often

Always on

How to use it

Applied automatically — Cover applies automatically to eligible purchases made on the card; claims via the Visa benefits administrator.

Caps and limits

Doubling of the manufacturer repair period is capped at one year.

Where

All emirates, International

“Purchase Protection Doubles the repair period offered by original manufacture warranty, up to one year.”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026

Complimentary multi-trip travel insurance covering the cardholder and family for a period of 90 days from the date of travel, up to a maximum of USD 500,000.

How often

Always on

How to use it

Applied automatically — Cover applies automatically to the cardholder and family; claims via the insurer.

Caps and limits

Cover limited to 90 days from date of travel and a maximum of USD 500,000.

Where

International, All emirates

“Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000.”

Source: https://www.cbd.ae/personal/cards/credit-cards/smiles-signature · Last checked 25 Aug 2026