Dubai Islamic Bank Debit Card

Dubai Islamic Bank (DIB) provides a wide gamut of financial products to its customers through its branch and ATMs as well as digital channels like mobile banking, phone banking, net banking, and more for the modern customer. As far as debit cards are concerned, DIB is one of the leading providers here as well. 

The bank offers five types of Dubai Islamic debit cards tailored to the requirements of different categories of users. The article below would discuss the major aspects of Dubai Islamic debit cards such as the process of obtaining them, their features and benefits, the enticing offers on them, the activation procedure, and so on. 

Types of Dubai Islamic Debit Cards Available and Dubai Islamic Debit Card Offers

Mentioned below are the types of Dubai Islamic Bank debit Cards available with their salient features and offers – 

Infinite Debit Card

  • Earn Wala’a rewards (DIB loyalty program) every time you swipe your card for online or retail spending – for every AED 1 spent, get 0.4 Wala’a rewards and 0.5 Wala’a rewards on all foreign currency spends
  • Dubai Islamic debit card holders get insurance coverage of up to USD 1,000,000 on all international and domestic trips under multi-trip travel insurance
  • Get complimentary access to more than 500 airport lounges worldwide
  • Enjoy the best rates and deals on accommodation with Dubai Islamic debit card
  • Get the benefits of being a Wajaha Private Banking customer – Wajaha provides a wide range of financial services such as Wajaha deposits, home financing, auto financing, and so on
  • Avail of an extended warranty of 12 months every time you use your card to purchase new electrical products for the household
  • Get free facility usage at Emirates Tower Health Club with this Dubai Islamic Bank debit card

Signature Debit Card

  • Earn 0.3 Wala’a rewards on every AED 1 spent and 0.4 Wala’a rewards on spends related to foreign currency
  • Redeem the rewards for hotel stays, bill payments, retail purchases, flight tickets, and more
  • Enjoy all the benefits of being an Aayan Exclusive Banking Customer, with the list including special teller services, free lockers in DIB bank, salary-in-advance facility, finances, and so on
  • The card provides an automatic 12-month guarantee, over and above the manufacturer warranty on electrical products
  • Free internet, breakfast, automatic room upgrades, and complimentary food and beverage voucher are some benefits that you can avail of during your hotel stays
  • Get insurance coverage of (maximum of USD 500,000) on your international and domestic trips under full multi-trip travel insurance – this would also cover the expenses of lost or stolen baggage during the journey, medical, and repatriation expenses
  • Round-the-clock concierge services are provided to Dubai Islamic bank debit card holders
  • Avail of up to 8 complimentary airport lounge visits in a calendar year

Platinum Debit Card

  • For every AED 1 spent online, earn 0.2 Wala’a rewards and 0.3 Wala’a rewards on all retail and online transactions
  • As a Dubai Islamic Bank debit card holder, you are entitled to avail the benefits of Mumayyuz privileges ranging from discount offers and investment deposits to getting your relationship officer 
  • Enjoy exclusive privileges with the Visa Luxury Hotel Collection. You can avail of the said benefits at more than 900 luxury hotels worldwide.
  • On the charge of the Transaction Protect fee, free roadside assistance would be provided to the Dubai Islamic Bank debit card holder. The cardholder can avail of up to three services every year.

Al Islamic Classic Debit Card

  • Get access to the DIB loyalty program and earn Wala’a rewards on every AED 1 spent – 
    • 0.1 Wala’a rewards on domestic transactions
    • 0.2 Wala’a rewards on foreign currency transactions
  • Dubai Islamic Bank debit card holders can enjoy excellent local, regional, and global offers at various travel and dining outlets
  • Round-the-clock customer service is available to address their customer’s queries and provide appropriate banking solutions
  • Avail up to three roadside assistance every year at the charge of Transaction Protect fee

Credit Score - Policybazaar uae

Johara Debit Card

  • The Johara debit card is explicitly designed for women.
  • Earn Wala’a rewards on every AED 1 spent online. For foreign currency spending, earn 0.2 Wala’a rewards, and 0.1 on other transactions.
  • Enjoy discounts on multiple fashion brands and the latest styles
  • Get value-added benefits on travel, dining, and so on around the world
  • Provide 24-hour customer service to Dubai Islamic debit card holders. Getting emergency cash worldwide, arranging for a replacement card in 3 working days, and blocking accounts from fraudulent purchases in 30 minutes are just some of the significant benefits of round-the-clock service.
  • Get one free roadside assistance at the charge of a Transaction Protect fee

What are the Eligibility Criteria for Dubai Islamic Debit Card? 

To obtain any of the debit cards mentioned above, you must have a bank account with the DIB. As an applicant for the account and Dubai Islamic debit card, you would be required to fulfil the following conditions – 

What are the Documents Required to Apply for Dubai Islamic Debit Card?

Keep the following documents ready to apply for the account and debit card – 

How to Apply for Dubai Islamic Debit Card?

You can apply for the Dubai Islamic bank debit card through the wealth management centre, Dubai Islamic Bank branches, DIB mobile application, or direct sales team. Alternatively, you can visit the official website of Policybazaar UAE and look to apply for the bank account, after which you would be able to apply for the Dubai Islamic debit card.

How to Activate Dubai Islamic Debit Card?

Dubai Islamic debit card welcome pack comes along with the card PIN. You can activate your card or generate your debit card PIN using any of the following channels – 

Online Banking

  • Log into DIB online banking
  • Select your debit card
  • Enter the PIN (4 digits) and confirm the same
  • An OTP will be sent to your registered mobile number via SMS
  • Enter the OTP in the required field and click 'Confirm.'
  • Your new PIN can be generated next, after which you can use the card for transactions

Phone Banking

  • Call +9 71 46092222 and select the language of your choice
  • To talk to IVR, press the ‘*’
  • Select option ‘3’ followed by ‘1’ to get the ‘Card Activation and PN generation’ menu
  • Enter your Dubai Islamic bank debit card number and the expiry date of your card
  • Enter the OTP received on the registered mobile number
  • You must enter the PIN of your choice and confirm the same to activate your Dubai Islamic debit card

Mobile Application

  • Log into the Dubai Islamic Bank mobile application
  • Go to the 'Main Menu’
  • Select 'Portfolio' followed by 'Cards'
  • Select ‘Activate’ and enter the new desired card PIN
  • Give the confirmation to set the same
  • Once you receive the OTP on your registered mobile number, enter it and click ‘Confirm’
  • A new PIN for your Dubai Islamic Bank debit card can be generated next

ATM/CDM

  • Visit your nearest ATM or CDM of the DIB
  • Insert your debit card into the machine and select the language of your choice
  • Enter the OTP received on your registered mobile number
  • Enter the four-digit PIN you desire and confirm the same

SMS Banking

To activate your Dubai Islamic debit card, you can send an SMS to 4222, followed by a space and the last six digits of your card.

Dubai Islamic Debit Card

How to Change Your Dubai Islamic Debit Card PIN

In case you need to change your Dubai Islamic debit card PIN, simply follow the steps given below – 

Phone Banking

  • Dial +971 4609 2222 and select your preferred language
  • Say, 'I need to change my card PIN' to the virtual assistant
  • As an applicant, you would be required to enter the CIF, card number, or account number, if you are calling from an unregistered number
  • Follow the instructions and log into your account
  • Once you have logged in, select the Dubai Islamic Bank debit card to change your PIN
  • Enter your current card PIN and the new card PIN
  • Re-enter the new PIN  for the confirmation

ATMs

  • Head to your nearest DIB ATM and insert your debit card into the machine
  • Select the language of your choice
  • Enter the current PIN of your Dubai Islamic bank debit card
  • Select 'Other Services’ followed by ‘PIN Change’ 
  • Enter the new preferred PIN and confirm to set

Cash Limit of Dubai Islamic Bank Debit Card

Refer to the table to find out the cash limit of each type of Dubai Islamic debit card – 

Type of Dubai Islamic Bank Debit Card Daily Purchase Limit Daily Cash Withdrawal Limit from ATMs 
Infinite Card AED 1,00,000 AED 75,000
Signature Debit Card AED 75,000 AED 35,000
Platinum Debit Card AED 50,000 AED 35,000
Al Islamic Classic Card AED 40,000 AED 10,000
Johara Debit Card AED 40,000 AED 10,000

Fees and Charges for Dubai Islamic Bank Debit Card

Check out the table below for the fees and charges for Dubai Islamic Bank debit cards effective from November 1, 2022 – 

Service Fees
New debit card Free
Renewal  Free
Re-issuance or card replacement (if the card is damaged due to some technical issue) Free
Re-issuance or card replacement  as per the request(if the card is damaged or lost) AED 26.25
Copy of sales voucher on request AED 26.25
Cash withdrawal from non-DIB ATMs in the UAE AED 2 per transaction
Cash withdrawal from non-DIB ATMs within the GCC AED 6 per transaction
Cash withdrawal from non-DIB ATMs outside the UAE and GCC AED 21 per transaction
Balance enquiry via non-DIB ATM within the UAE AED 1 per transaction
Balance enquiry via non-DIB ATM within the GCC AED 3 per transaction
Declined transactions via non-DIB ATM in UAE AED 1 per transaction
Transaction Protect fee AED 40.95 each month
International usage fee (other than AED) 3.25 % of the transaction amount
International usage fee  2.09% of the transaction amount

How to Check Dubai Islamic Bank Debit Card Balance?

To ensure convenient access to key details for customers, Dubai Islamic Bank offers the e-statement facility to its customers. You can get the e-statements of your Dubai Islamic debit card through any of the following channels – 

Online Banking

  • Log into your account and select the ‘e-statement’ under settings
  • Select the Dubai Islamic Bank debit card for which you need an e-statement
  • Mark the ‘Yes’ option on the registration option
  • Enter your email address and the frequency 
  • Click on the PDF icon to download the e-statement of your Dubai Islamic bank debit card

Mobile Banking

  • Log in to the DIB mobile application and go to settings
  • Select ‘Register’ on ‘e-Statement Registration’
  • Select frequency and enter your email address
  • Disable physical statement by opting ‘Yes’
  • Accept the terms and conditions, after which a confirmation email will be sent to you

Self-Service

You can also register for e-statements on self-service and get an e-statement for the selected period.

What to Do If Your Dubai Islamic Debit Card is Lost?

If your Dubai Islamic debit card is misplaced, lost, or stolen, you must inform the bank about the same and block it through any of the following ways – 

Online Banking

  • Log into your account
  • Head to the relationship summary and select the card 
  • Click on the ‘Block Card’ option

Phone Banking

  • Dial 04 – 609 2222
  • Say ‘I lost my card’ to the virtual assistant
  • Select option ‘3’ from the menu to have your card blocked

WhatsApp Banking

  • Go to the ‘Main Menu’
  • Select option ‘8’ of the ‘Card Block and Replacement’

Mobile Banking

  • Log into the application and select the card you wish to block
  • Go to ‘Manage Card’
  • Click ‘Block Card’

Let’s take a look at some of the most frequently raised queries regarding Dubai Islamic debit cards – 

Frequently Asked Questions (FAQs)

How will I receive my Dubai Islamic debit card linked to my savings or current account? 

You will receive your Dubai Islamic debit card through a courier to your registered residential address.

How to reset my Dubai Islamic debit card PIN?

You can set your Dubai Islamic debit card PIN via any of the following channels –  

  • Phone Banking
  • Dubai Islamic Bank ATMs
  • Online banking
  • Mobile application of the bank
What can I do with my Dubai Islamic debit card?

With a Dubai Islamic debit credit, you can avail of the following services and benefits – 

  • You can enjoy lifestyle, travel, dining, and multiple offers on your Dubai Islamic debit card
  • You can easily make your utility bill payments 
  • Depending on your card type, you can earn Wala’a rewards and quickly redeem them for hotel stays, flight tickets, bill payments, and so on
How can I activate online banking through my Dubai Islamic debit card number?

Once your Dubai Islamic debit card is ready for usage, you can easily activate your DIB online banking by following these steps  – 

  • Visit the official website of DIB (www.dib.ae) and select ‘Al Islami Online Banking’
  • Select 'Register Now' under the ‘New User’ tab
  • Go to 'Individuals' and move to ‘Card Holder’
  • Follow the instructions and set the User ID, password, and other specified credentials
Can I activate my Dubai Islamic debit card on Google Pay, Samsung Pay and Apple Pay?

You can add your Dubai Islamic debit card on Apple Pay and Samsung Pay. Currently, the Google Pay service is not available for the Dubai Islamic Bank debit cards.

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