6CDCommercial Bank of Dubai (CBD)CBD Super SaverAED 420/yr · AE

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Cash Back · United Arab Emirates

CBD Super Saver Credit Card

4.1 / 5 editorial score

Best for: high monthly spenders who put school fees, groceries, fuel and utilities on one card.

#6 of 7 · Cash Back · UAE #14 of 17 · All UAE cards

Annual feeAED 420/yr

IssuerCommercial Bank of Dubai (CBD)

NetworkVisa

Welcome offerSee issuer for the current offer

Interest rate3.85% per month (46.20% APR)

Foreign fee3.5% on international spend in…

Who qualifiesMinimum monthly salary AED 5,000 as…

Why it ranks

Covers school and university fees
Top tier reaches 10% on essentials
Lounge visits and family travel cover included

What holds it back

10% needs AED 20,000 of total monthly spend
High 3.5% fee on international transactions
No cashback on dining, travel or shopping

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Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.

Our verdict

Why the CBD Super Saver Credit Card ranks where it does

The CBD Super Saver rewards the essentials that many cards ignore: water and electricity bills, education, supermarkets and fuel. Its rate depends on your total monthly spend on the card: 3% at AED 3,000 to 9,999, 5% at AED 10,000 to 19,999 and 10% at AED 20,000 or more. Caps are AED 75, 100 or 150 per category depending on the tier, and AED 600 a month overall.

The tiers matter more than the headline. At 10%, the AED 150 category cap is reached at AED 1,500 of spend in that category, so the top rate helps households with modest essential bills but a high total spend. A family spending AED 12,000 a month sits on the 5% tier, where caps are AED 100 per category. Dining, travel and shopping earn no cashback at all.

The card is free in year one and then AED 420 including VAT, waivable on annual spend targets that CBD sets. It includes 8 lounge visits a year through the Visa Airport Companion app and family travel insurance up to USD 500,000, a good package at this price. The 3.5% fee on international transactions, plus Visa's fee, means it should stay at home. Cashback expires 24 months after it is earned.

Good fit if

Families with high school fees and utility bills
Households spending AED 10,000 or more a month on one card
People who want lounge visits and family travel cover included

Skip it if

Anyone whose spending is mostly dining, travel or shopping
Frequent spenders abroad, given the 3.5% fee

Worked example

Assume AED 12,000 a month on the card, the 5% tier, including AED 1,200 of utilities, AED 2,000 of school fees averaged monthly, AED 2,500 at supermarkets and AED 800 on fuel. At 5% those earn AED 60, AED 100, AED 125 and AED 40, but the AED 100 category cap trims supermarkets to AED 100, giving AED 300 a month or AED 3,600 a year. From year two, subtracting the AED 420 fee leaves AED 3,180 if the waiver target is missed.

How it stacks up

The DIB Consumer Cashback Covered Card covers school fees and utilities at a flat 3% from AED 3,000 of monthly spend, for AED 210, but has no lounge access. The ADIB Cashback Visa Covered Card pays 4% on the same essentials plus dining for AED 99 plus VAT, which beats CBD's 3% tier for most households below AED 10,000 a month.

The CBD Super Saver Credit Card pays tiered cashback on utility bills, education, supermarkets and fuel, and the more you spend in total each month, the higher the rate, up to 10%. Figures are as of September 2026.