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Dubai Islamic Bank (DIB) Credit Card Eligibility

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  • Dining Discounts
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Established in 1975, Dubai Islamic Bank is one of the best-performing banks in the UAE with a vast network of over 2 million customers across the world. The bank offers Islamic banking products like bank accounts, loans, credit cards, finance options, and more for personal and business customers.

If you want to enjoy various features and benefits of travel, entertainment, dining, lifestyle, and more, Dubai Islamic Bank credit cards would prove beneficial in such a case. You must apply for a Dubai Islamic Bank credit card today to start enjoying hundreds of exciting deals and discounts. However, let’s first figure out if you meet the Dubai Islamic Bank credit card eligibility criteria. 

Keep reading to know the top Dubai Islamic Bank credit cards eligibility criteria and check if you fulfill the same for your chosen DIB credit card. However, don’t worry if you do not. The article also covers measures you can take to enhance your Dubai Islamic Bank credit card eligibility in no time.

Dubai Islamic Bank Credit Card Eligibility in the UAE

Given below are the standard Dubai Islamic Bank credit card eligibility criteria you will be required need to meet when applying for any of the credit cards.

  • The applicant must be 18 years old or more in age.
  • The applicant must be a UAE resident.
  • Based on the type of Dubai Islamic Credit Card chosen, applicants have to meet the minimum salary requirement.
  • The applicant must have a good credit score and a healthy relationship with their current bank.
  • A satisfactory debt repayment history is required on the applicant’s part.

Top Dubai Islamic Bank Credit Cards Eligibility Criteria

Emirates Skywards DIB Infinite Credit Card

Emirates Skywards DIB Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 35,000
  • Annual Fee AED 2,625
  • Airport Lounge Access
  • Balance Transfer

Eligibility Criteria

  • The applicant must be a UAE resident of not less than 18 years old.
  • A minimum monthly salary of AED 35,000 is required.
  • The applicant must have a good credit score.

Emirates Skywards DIB Platinum Credit Card

Emirates Skywards DIB Platinum Credit Card
Balance Transfer
  • Minimum Salary AED 5,000
  • Annual Fee AED 525
  • Balance Transfer
  • Golf Discounts
  • Dining Discounts
  • Roadside Assitance

Eligibility Criteria

  • Must be a UAE resident of at least 18 years of age
  • Minimum monthly salary of AED 5,000 required
  • Good credit score required

Emirates Skywards DIB Signature Credit Card

Eligibility Criteria

  • Must be at least 18 years old and a UAE resident
  • Must have a minimum monthly salary of AED 15,000
  • Good credit score required

DIB Prime Signature Card

DIB Prime Signature Credit Card
Free for life
  • Minimum Salary AED 25,000
  • Annual Fee Free for Life
  • free for life
  •  
  • Airport Lounge Access
  • Valet Parking
  • Balance Transfer
  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance

Eligibility Criteria

  • Must be a UAE resident of at least 18 years of age
  • Must have a minimum monthly salary of AED 20,000
  • Good credit score required

DIB Prime Infinite Card

DIB Prime Infinite Credit Card
Free for life
  • Minimum Salary AED 50,000
  • Annual Fee AED 0
  • free for life
  • Balance Transfer
  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance

Eligibility Criteria

  • Must be a UAE resident of at least 18 years of age
  • Must have a minimum monthly salary of AED 20,000
  • Good credit score required

DIB Prime Platinum Card

DIB Prime Platinum Credit Card
Free for life
  • Minimum Salary AED 15,000
  • Annual Fee Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Credit Shield Takaful

Eligibility Criteria

  • Must be a UAE resident of not less than 18 years old
  • Minimum monthly salary of AED 5,000 required
  • Must have a good credit score

DIB Consumer Platinum Card

DIB Consumer Platinum Credit Card
Cashback
  • Minimum Salary AED 15,000
  • Annual Fee AED 208.95
  • Balance Transfer
  • Cashback
  • Dining Discounts

Eligibility Criteria

  • Must be a UAE resident of at least 18 years of age
  • Must have a minimum monthly salary of AED 15,000
  • Good credit score required

DIB Consumer Reward Card

DIB Consumer Reward Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee AED 157.50
  • Cashback
  • Balance Transfer
  • Credit Shield Takaful
  • Merchant Offers

Eligibility Criteria

  • The applicant must be a UAE resident of not less than 18 years old.
  • A minimum monthly salary of AED 5,000 is required.
  • The applicant must have a good credit score.

Documents Required to Apply for Dubai Islamic Bank Credit Cards

These are the documents required to apply for Dubai Islamic Bank Credit Cards.

  • Emirates ID (for identity verification) – Original and a copy
  • A valid Passport with Residency Visa (for address verification) – Original and a copy
  • Trade License for self-employed applicants – Original and a copy 
  • Bank Statement for the previous three months (for income and address verification) – Original and a copy
  • Utility Bill or Contract of Tenancy (for address verification) – Original and a copy
  • Appointment Letter/Salary Transfer Letter (for income and designation verification) – Original and a copy

Factors Affecting Dubai Islamic Bank Credit Card Eligibility

Numerous factors can have an impact on the approval or rejection of your Dubai Islamic Bank credit card. Here is a list of some of the major factors that may affect your Dubai Islamic Bank credit card eligibility.

  • Monthly Income: In order to get hassle-free approval, you must meet the minimum monthly income criteria of your chosen DIB credit card. The reason behind your monthly income playing a critical role in getting a credit card application approved lies in the fact that The Dubai Islamic Bank (and all major banks) checks your bank statement to verify your income stability. This detail informs them about whether you manage your finances well.
  • Credit Score: You must have a good credit score to get a credit card in the UAE, as a good credit score indicates that you have efficiently repaid your debts and managed your finances. Dubai Islamic Bank checks your credit score before providing you with a credit card of your choice.
  • Age: Dubai Islamic Bank provides credit cards to applicants not less than 18 years old. You are required to meet the age criteria of your chosen DIB credit card in order to get the one without any hassle. 
  • Debt Repayment: Debt repayment is another factor that affects your DIB credit card eligibility. Repaying your debts on or before the due date shows that you are a responsible borrower. It also makes for a positive factor to your credit report and increases your chances of getting the credit card application approved.
  • Credit Settlement: Not paying your credit card bills in full or getting them settled to a reduced amount impacts your credit report negatively. If you avoid them to ensure that no such cases are added to your credit records, you can easily get a credit card.

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Simple Ways to Improve Dubai Islamic Bank Credit Card Eligibility

Despite keeping all the required precautions, there is always a possibility of even a responsible person facing a poor credit score or ineligibility regarding a card. In such conditions, here are a few measures that you can take to enhance your Dubai Islamic Bank credit card eligibility.

  • Repaying your debts on time can enhance your credit report, ultimately increasing your chances of getting a credit card in the UAE.
  • Reducing the number of credit inquiries can also help you enhance your Dubai Islamic Bank credit card eligibility. If you are in need of funds, make sure you visit our credit card or personal loans section instead of calling the bank’s helpline and adding one more query to your records. 
  • Mention all your income resources properly in your credit card application to get the same approved without any hassle. Doing this demonstrates to the bank that you have enough incoming funds every month.

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FAQs on Dubai Islamic Bank Credit Card Eligibility

How can I apply for a Dubai Islamic Bank credit card online?

If you are an existing Dubai Islamic Bank customer, you can log in to the bank’s online banking or mobile banking portal to apply for your desired credit card online. On the other hand, if you are new to the bank, you can visit the bank’s website and fill out the application form to apply for your chosen DIB credit card in just a few clicks. Whichever mode you choose; you are required to provide the required documents to support the information provided when applying for a Dubai Islamic Bank credit card.

As a self-employed individual, am I eligible for a Dubai Islamic Bank credit card?

Yes, you are eligible to apply for a Dubai Islamic Bank credit card if you have a valid trade license and meet the minimum income criteria of your chosen credit card. To know more about the eligibility criteria of your desired Dubai Islamic Bank credit card, visit our credit cards section.

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