Dubai Islamic Bank (DIB), founded in 1975, offers a wide range of banking services to its customers, including credit cards. DIB credit cards are available in three variants – Infinite, Signature, and Platinum credit cards - which provide numerous benefits and rewards such as cashback, travel, no minimum spend, lifestyle, loyalty transfer, balance transfer, and annual rewards. You can also earn skywards miles on your every spends and redeem them for various lifestyle and travel benefits with Emirates and Emirates Skywards partners.
As advantageous as the cards are, being a responsible credit card user is equally important. As a part of Dubai Islamic Bank’s SMART banking initiative, you can have access to the credit card e-statement facility and get a consolidated summary of your credit card bill, rewards, and so on. DIB credit card statements are issued each month and provide all the requisite information in detail.
Dubai Islamic Bank Credit Card Statement - An Overview
Dubai Islamic Bank credit card statement is called an Interactive e-statement, which is sent to your registered email address as per your credit card billing cycle. It is password protected, secure, and easy to view & access, and can be saved, downloaded, and printed as well. In one interactive document, you can get a glimpse of your credit card account and check details of your purchases, expenses, rewards, offers, payments, and credit and debit transactions.
Some of the standard features and benefits of Dubai Islamic Bank credit card statements are as follows –
The bank has introduced an interactive e-statement facility to reduce paper usage, leading to a more eco-friendly environment. By using this facility, you can play a small but significant role in promoting a greener planet.
As an e-statement contains all the information present in a paper statement, the need for paper statements is eliminated.
Dubai Islamic Bank credit card statements are easily accessible, secure, and can be stored for an extended period, making them a sustainable option.
These statements contain a consolidated summary of your credit card details.
Dubai Islamic Bank credit card statements would be sent to you once a month as per your card billing cycle at no cost. However, you can also select a different frequency through online or mobile banking at the time of registration or later.
You can obtain a duplicate Dubai Islamic Bank credit card statement through Internet Banking, Mobile Banking, and Call Center. However, you would be required to pay applicable charges for this service.
If you avail of any of the Dubai Islamic Bank investment plans on your credit cards like EPP, COC, or FBC, you shall be billed a fixed amount every month in your DIB credit card statement at the end of the plan tenure.
You will receive your Dubai Islamic Bank credit card statement at your registered email address with the bank. In case you have two credit cards, you will have the provision to set up two different email addresses.
You can download the PDF version of your Dubai Islamic Bank credit statement and print it if required.
No special software is required to access your credit card statement.
In case you find any discrepancy in your Dubai Islamic Bank credit card statement, you can notify the bank and get it rectified.
You can easily view your credit statement on both android and IOS devices.
What Information Does a Dubai Islamic Bank Credit Card Statement Contain?
DIB credit card statement summarises how you have used your credit card for the billing period. It is essential to go through all the information on your credit card statement to keep track of your transactions and rewards.
You can expect the following details on your Dubai Islamic Bank credit card statement –
Summary of your Credit Card - Your card statement showcases a summary of the transactions related to your credit card, including credits, payments, purchases, cash advances, interests, fees, due amount, balance transfers, and more. Furthermore, it will show your credit card's new balance, available credit limit, and the last day of the billing period.
Rewards and Offers - As mentioned earlier, DIB credit cards come with multiple rewards and offers. These can be found in your Dubai Islamic Bank credit card statement, which also mentions the total rewards that you earn in your billing cycle as well as the redemption of these rewards.
Payment Due Date - Dubai Islamic Bank credit card statement contains the payment due date to clear the outstanding balance associated with your card. You would be required to settle the amount within this stipulated time frame given in the document to avoid penalties.
Credit Limit - The credit limit is the total amount you are allowed to borrow on your card and is fixed by the concerned credit card issuer. Dubai Islamic Bank credit card statement shows your credit card limit available for spending after calculating your earlier spending at that specified period.
Minimum Amount Due - The minimum amount due on a Dubai Islamic Bank credit card statement is the minimum payment you must make by the due date to keep your account in good standing. This amount is usually calculated as a percentage of your total balance and is generally lower than the total balance. The minimum amount due is usually listed on the front page of the credit card statement and is clearly labelled.
Outstanding Dues - The past due amount on a Dubai Islamic Bank credit card statement refers to the amount that you have not paid by the due date. If you fail to pay at least the minimum amount due, the unpaid balance becomes past due. This amount is usually listed on the front page of the credit card statement and is considered "past due" or "overdue." In addition, the statement may also show the date the payment was due and the amount that was past due. Late fees and/or interest charges may also be added to the past-due amount if you continue to skip payments.
Why Should You Check Your Dubai Islamic Bank (DIB) Credit Card Statement Regularly?
It is crucial to regularly check your Dubai Islamic Bank credit card statement to review your credit card account transactions and keep track of your expenses, purchases, savings, rewards, offers, and so forth. With this knowledge, you can stay informed about your financial position and maintain good credit standing.
Let’s discuss some of the top reasons why it is important to analyse your Dubai Islamic Bank credit card statement on a regular basis –
Monitor Your Spending - Reviewing your credit card statement can help you evaluate your spending and purchases. It gives a detailed record of all transactions made with the card. The statement includes information such as the date, vendor, and amount of each transaction, which helps you identify your pattern in spending. You can, thus, quickly assess how you have spent money in your preceding billing period, ensuring that the charges are accurate and that you haven't been the victim of fraud.
Helps Avoid Overspending - As your Dubai Islamic Bank credit card statement shows your card running balance, you can easily avoid exceeding your credit limit. You can see how much you owe and track changes in your balance over time. By staying within your credit card limit, you can wisely manage your expenses and avoid facing penalties.
Track Rewards - As mentioned already, with the credit card statement providing the deets of your credit card, you can keep track of rewards points earned and ensure that they are being credited regularly. In addition, you can analyse how a specific credit card is benefitting you and evaluate how you can further take advantage of it.
Provides a Snapshot of your Income vs Spending - The closing balance displayed on the Dubai Islamic Bank credit card statement at the end of your statement cycle helps you check how your spending habits are aligned with your earning potential. So if your spending is more than your earnings, it can be a necessary wake-up call to set a working budget and reduce the financial strain on your pocket.
Early Identification of Fraudulent Activity - By checking Dubai Islamic Bank credit card statements periodically, you can easily look for unauthorised transactions or signs of fraud, such as transactions from a location you have never been to or from a vendor you have never heard of. Identifying these early can minimise the impact of fraud and protect your finances.
Reminder for Your Credit Card Bill - Your bill for the preceding statement cycle depends on your specified credit card usage. If you track your credit card statements regularly, you will be able to see the minimum amount due and the last date for a bill payment to complete the payment accordingly. This can help you avoid skipping the previous billing date.
How to Get Dubai Islamic Bank Credit Card Statement Online?
You are eligible to subscribe to Interactive e-Statement if you have a Dubai Islamic Bank credit card. The statement will be sent to your email address for free and on a monthly basis. However, you would be required to get registered for this Interactive e-Statement facility through online channels such as mobile banking and online banking.
Let's look at each method in detail to know the registration process -
Via Online Banking
Visit the official website of Dubai Islamic Bank.
Locate the option of ‘Online Banking’ on the home page.
Enter ‘Username’ and ‘Password’ and click on the ‘Login’ button.
You will be taken to your ‘Banking Profile’ page, where you can access your accounts, credit cards, debit cards, and more.
Locate 'Settings' and click on the 'e-Statement’.
Select the credit card for which you require the e-Statement.
Tick ‘Yes’ under the ‘Registration’ option.
Key in the frequency - you can select for a month, quarter, or more as per your preference.
Disable the physical statement option by tapping on the ‘yes’ option followed by the ‘Continue’ button
With these steps, you will be registered and get Interactive e-Statement at your chosen frequency.
You can also obtain your Dubai Islamic Bank Credit Card Statement for a specified period through online banking by following the given steps. This can be helpful if you need access to your statement to review transactions.
Log into the online banking portal by entering your username and password.
Select ‘Statement’ under the ‘Cards’ section from the dropdown menu.
Click on 'Customise' followed by 'Period'.
Enter the period and tap on 'View.'
Dubai Islamic Bank credit card statements for the specified period will be displayed on your screen. You can also use the PDF icon to download the statement.
Via Mobile Banking
Follow these steps to register for Interactive e-Statement through mobile banking –
Download the official Dubai Islamic Bank mobile application.
Sign in using your login credentials.
Go to 'Settings' and click on the 'e-Statement' registration followed by the 'Register' option.
Choose the credit card for which you want to get a statement.
Select the frequency - monthly, quarterly, and so on.
Provide the email address on which you would like to receive your Dubai Islamic Bank credit card statement.
Click on 'yes' to disable the physical statement option.
Accept the terms and conditions and hit ‘submit’.
You will receive an email confirming the registration of the e-Statement
This completes the registration process, and you will receive your Dubai Islamic Bank credit card statement in your mail inbox at the chosen frequency.
If you want to get your credit card statement for a particular period, follow the steps given below -
Log into the mobile banking portal with your login credentials.
Choose a particular credit card.
Tap on the ‘e-Statement’ and enter the period.
Verify your email ID and click on 'Continue' followed by ‘Confirm’.
You will receive your Dubai Islamic Bank credit card statement for that particular period in your email address.
Check your email to view your credit card statement.
How to Get Dubai Islamic Bank Credit Card Statement Offline?
Apart from the online methods discussed above, you can also use any of the offline methods to get your Dubai Islamic Bank credit card statements. Mentioned below are the two offline channels through which you can register for the Interactive e-statement facility -
Visiting Branches of Dubai Islamic Bank
Visit your nearest Dubai Islamic Bank branch.
Fill out the electronic banking services form.
Select the ‘e-Statement registration’ option.
Mention your email address and submit the form.
You will receive a confirmation mail after submitting the form.
Visit your nearest Dubai Islamic Bank self-service machine.
Tap on the 'Services' and click on the 'e-Statement' registration option followed by 'Next.'
Select the registration option as 'yes.'
Enter the frequency and disable the physical statement option by selecting 'yes.'
Key in your email address and tap on the ‘Next’ button.
After you confirm the details, a confirmation mail will be sent to your registered email address.
Fees and Charges to Get DIB Credit Card Statement in UAE
As mentioned earlier, you won’t be required to pay any fees to get a Dubai Islamic Bank credit card statement at the selected frequency. However, to get a duplicate Dubai Islamic Bank credit card statement, a fee of AED 47.25 shall be charged.
How can I get Dubai Islamic Bank credit card statements for free?
You can register for Interactive e-Statement through mobile banking, online banking, self-service machine, or by visiting your nearest branch of the bank. After registration, you will receive your Dubai Islamic Bank credit card statement at your selected frequency.
How frequently will I receive my Dubai Islamic Bank credit card statement?
You can choose the frequency as per your needs through mobile or online banking at the time of registration to receive a Dubai Islamic Bank credit card statement. You can also change the frequency later if required.
Can I print my Dubai Islamic Bank credit card statement?
When you receive your Dubai Islamic Bank credit card statement, you can simply click on the PDF icon to download its PDF version and print it.
What are the fees applicable for receiving a Dubai Islamic Bank credit statement?
You can get your Dubai Islamic Bank credit card statement without any charges. However, if you require a duplicate copy, a fee of AED 47.25 will apply.
Can I cancel my e-Statement registration and switch to the paper statement?
Yes, you can cancel your e-Statement registration and switch to a paper statement through mobile banking or online banking. You can do the same by submitting a written request at your nearest DIB branch as well.
Am I eligible to get a Dubai Islamic Bank credit statement?
If you have a Dubai Islamic Bank credit card, you can register for the credit card statement.
Do I require a desktop to view my Dubai Islamic Bank credit card statement?
Your Dubai Islamic Bank credit card statement can be viewed on all major devices including desktops, tablets, and mobile phones (IOS and Android).
Is it necessary to check Dubai Islamic Bank credit card statement regularly?
Although not mandatory, it is always advisable to check your Dubai Islamic Bank credit card statement regularly to get a detailed record of your purchases, spends, expenses, rewards, and more. Moreover, by checking the statements regularly, you can also identify fraudulent transactions (if any) at an early stage.
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