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Commercial Bank of Dubai

CBD Digi Account with Smiles

Open a bank account instantly with your Emirates ID, in just a few minutes through the CBD Mobile app and get your account IBAN instantly. Please use ETS20 promo code.

The account offers a host of free banking services and amazing Smiles points rewards on savings, purchases, remittances, and bill payments.

Isn't this truly the UAE's most rewarding digital account?

Visit your app store, and open the account today.

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Free Banking

  • Open up to 11 multi-currency accounts including Gold, instantly
  • No minimum balance requirement
  • No salary transfer requirement
  • Free debit card
  • Free cheque book
  • 25% waiver on safe deposit lockers
  • Free remittances   
    • First 5 remittances free to India, and then 2 free every month
    • 2 free remittances every month to Pakistan, Bangladesh, and Philippines

What's more! Smiles smile-newface

Earn Smiles points on your CBD Digi account

  • Get Smiles Buy 1 Get 1 Free offers when you either deposit or transfer your salary equivalent to AED 3,000 or more
  • Earn Smiles on your debit card purchases equivalent to 1 Smiles point for every AED 4 you spend
  • Earn Smiles on your Etisalat bill payment equivalent to 2 Smiles point on each AED paid for an Etisalat bill
  • Earn Smiles on your Remittances equivalent to 10 Smiles point on every AED 1,000 or more for international remittance
  • Earn Smiles on your Savings based on your average monthly balance

Average Monthly Balance (AED) Monthly SMILES Earned
 Less than 10,000  0
 10,000 to 20,000  500
 20,000 to 50,000  1,500
 50,000 or above  2,500

Get a chance to win 5,000 to 100,000 Smiles points in the monthly lucky draws, and 500,000 to 1 Million Smiles points quarterly.

  • Every AED 500 save gives 1 entry to draw
  • Every AED 500 spend gives 1 entry to draw

Draw Prizes

Draw Frequency Draw Dates No. of Winners  SMILES Points 


1. Tuesday, December 18, 2020

2. Monday, January 18, 2021

3. Thursday, February 18, 2021

4.Thursday, March 18, 2021

5. Sunday, April 18, 2021
6. Tuesday, May 18, 2021

50 5000
50 10,000
10 25,000
5 50,000



Draw Frequency Draw Dates No. of Winners SMILES Points

1. Thursday, February 18,2021  1  500,000
2. Tuesday, May 18, 2021 1 1,000,000


Go Contactless

  • Access your bank account digitally anytime, anywhere
  • Link your Debit card with Apple Pay, Samsung Pay, Google Pay
  • Make Bill payments digitally

Apply Now

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Terms and Conditions

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Call us

Within UAE: 600 575 556

Outside UAE: +971 600 575 556

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You are more than welcome to visit us. Find out your nearest branch.

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We are always available for you, whether you have a query, suggestion or want to talk to us about our products and services.

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