Dubai Islamic Bank Credit Card Application Status

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Dubai Islamic Bank (DIB), ranked 11th amongst the top 150 Arab Banks in the Middle East, offers various Islamic credit cards in the UAE that adhere to the Shariah principles. DIB credit cards provide a range of benefits and features, including interest-free credit, cashback, rewards, and more. You can easily apply for DIB credit cards with minimal documentation on its official website or via Policybazaar UAE.

Once you submit the DIB credit card application, you can keep track of your application and find out how it has been progressing. Being a digital bank, you can quickly check the DIB credit card application status via different channels, including mobile banking, online banking, and more.

As you read the article below, you will discover the ways through which you can check your Dubai Islamic Bank credit card application status, the steps to improve the chances of getting your DIB credit card application approved, and more.

Why Should You Check Dubai Islamic Bank (DIB) Credit Card Application Status?

Keeping a tap on your Dubai Islamic Bank credit card application status can help you know how your Dubai Islamic Bank credit card application is moving ahead. It can also assist you in finding out whether your application is approved or rejected. 

Some of the other reasons to check Dubai Islamic Bank credit card application status are listed below – 

  • To know whether any additional documents or information is required
  • To get an estimated idea of when your DIB credit card will be delivered and when you can activate it
  • To address any issue associated with your application

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How to Check DIB Credit Card Application Status Online?

You can check your Dubai Islamic Bank credit card application status through any of the following channels mentioned below – 

Dubai Islamic Bank offers a mobile banking facility that allows you, as a user, to manage your account and finances from anywhere at any time. You can perform a plethora of services via mobile banking, with checking the DIB credit card application status being one among them. The DIB mobile banking application is compatible with Android and iPhone devices and can be easily accessed from the Apple App Store or the Google Play Store.

Follow these steps to check your DIB credit card application status – 

  • Download the Dubai Islamic Bank mobile application called ‘DIB Mobile’ or scan the QR code given on the official website of the bank.
  • Use the credentials to sign in to your account.
  • Tap on the 'Cards' section followed by the 'Credit Card Application Status’.
  • The details related to your credit card and its status will be displayed on the screen

Via Online Banking

With just a stable internet connection, you can use the Dubai Islamic Bank online banking facility to perform a variety of transactions. It is secure and easy to use, providing you with a convenient and efficient way to handle your finances anytime from the comfort of your home or office.

To access the online banking service to check your DIB credit card application status, follow the given steps – 

  • Visit the official website of Dubai Islamic Bank.
  • Locate the 'Login' option on the home page or tap on 'Smart banking' followed by 'Online Banking’.
  • Key in ‘User Name’ and ‘Password’ and click on the ‘Login’ button.
  • Locate the option of ‘Credit Card’ and see the status of your credit card application status.

Via WhatsApp Banking

You can also avail of the Dubai Islamic Bank WhatsApp banking facility and get an update on your DIB credit card application status. This feature is easily accessible and uses end-to-end encryption to protect your information. The live chat service and agents are available from 8:00 am to 5:00 pm, Monday to Saturday (excluding Sundays and public holidays).

Here are the steps to subscribe to the WhatsApp banking feature and check your DIB credit card application status – 

  • Add +97146092222 to your contacts list.
  • WhatsApp 'Hi' from your mobile number registered with the bank or scan the QR code given on the 'WhatsApp Banking' profile page under the 'Smart Banking' services.
  • You will receive a welcome message. Tap on the ‘Subscribe’ button.
  • Provide your CIF number or DIB bank account number.
  • An OTP would be sent to your registered number.
  • After entering the OTP, you will be subscribed to WhatsApp.

Once you have subscribed to WhatsApp banking, you can easily use the chatbot feature and get a quick update on your DIB credit card application status.

How to Check DIB Credit Card Application Status Offline?

As an alternative to the above methods, you can use any of the multiple DIB offline platforms listed below – 

Via SMS Banking

You can register for SMS banking through online, mobile, or express banking terminals and get real-time updates on your DIB credit card application status. Alternatively, you can visit your nearest DIB branch by filling out an electronic banking service registration service form.

Via Phone Banking

All DIB customers can apply for the phone banking service at their nearest DIB branch, through Al Islami Online Banking, Al Islami Phone Banking, or at an Express banking terminal. The provision of phone banking allows you to access your credit card information, which includes getting updates on your DIB credit card application status using the Interactive Voice Response (IVR) system. By using your T-PIN or connecting to a banking agent, you can get detailed information about your credit card status.

For easy access to your DIB credit card application status, follow the measures given below – 

  • Call 46092222 if you are within UAE or +9714609222 if you are outside UAE
  • Press ‘4’ on your phone’s keypad and enquire about your DIB credit card application status.

Via Bank Branches

You can always visit your nearest DIB branch and ask a bank representative about your DIB credit card application status.

How to Increase the Chances of Getting DIB Credit Card Application Proved?

If you are planning to apply for a Dubai Islamic Bank credit card, here are tips to increase your chances of getting your DIB credit card application approved – 

Don’t Apply for Multiple Cards

When you apply for a credit card, it is essential to take your time to select an appropriate credit card to apply for one rather than wasting your time applying for cards that you are not eligible for. 

Applying for multiple cards at once can hamper your credit score, which can make the approval of your DIB credit card application considerably difficult.

Know Your Credit Score

As credit score is a key factor considered by banks to evaluate your eligibility, make sure to know your aecb credit score before applying for a credit card. If you have a good credit score (above 750), you can apply for the card straightaway provided you meet all other eligibility standards. If your score is low, however, you should work on it before applying for a DIB credit card.

The benefits of a good credit score are plenty - apart from fulfilling the eligibility criteria, it can also help you get better terms and conditions for your card in terms of the interest/profit rate and credit limit.

Paying Bills on Time

Another factor to keep in mind to fast-track your credit card application process is utility bills or EMI payments. Paying your EMIs and utility bills on time each month contributes to improving your credit history, which, subsequently, improves your credit score as well. 

To make the process hassle-free, you can enable automatic payments (at least for the minimum payment due) to avoid missing payments and getting hit with late fees and credit score reductions.

Have a Diverse Set of Credit

It is advisable to create a diverse set of credit – a few different kinds of loans and cards - to have a good mix of credit history. This can help improve your picture as a borrower and indicate that you have the capability to handle multiple kinds of credit. With all these factors, you will be deemed a reliable credit card applicant, which would make the approval of your DIB credit card application easy.

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Build Credit Early

Potential borrowers with an extended credit history are more likely to be approved for DIB credit card applications than those with a short or no history. This is because a long history shows that you are credible and that the chance of defaulting on the payments is low. Moreover, it will also contribute to your credit score and, thus, enhance your overall profile.

Decrease Your Credit Utilisation Ratio 

Watching out for your credit utilisation ratio is one of the major steps to do before applying for a DIB credit card. You should aim to decrease your credit utilisation ratio by not maxing out your credit cards and keeping your low balances in terms of your credit limits. A low credit utilisation ratio shows that you are managing your cards wisely, meaning that the probability of defaulting on payments is low.

List All Your Income Sources

When considering your application for a credit card, the bank also looks at your total income. Listing all your income sources in the credit card application is recommended to show that you have sufficient total income to make monthly repayments on time. This would also increase the chances of your DIB credit card application approval.

Factors to Consider While Applying for DIB Credit Card after Rejection

If your DIB credit card application is denied and you are re-considering applying for the DIB credit card, here are a few things that you should keep in mind – 

  • Look for a credit card that matches your requirements and check the eligibility standards before applying for a new card.
  • After denial, you should not apply for a credit card right away. Although one credit inquiry has less impact on your credit score, multiple inquiries within a short span may adversely impact your score. You should, ideally, wait for at least six months before going for another one.
  • It is advisable to clear off the outstanding debts and delinquent accounts before embarking on your new credit journey.
  • Before submitting an application for a new credit card, double-check it and verify the details entered - any incorrect information on the application can lead to another rejection.
  • You should not cancel your existing cards before applying for new ones - a high credit utilisation ratio, short credit history, and low credit score are some of the major outcomes of cancelling current cards.
  • If your credit card application is rejected by the lender, you can approach the bank and find out the reason for the same. The bank may also provide you with the steps to improve your chances of being approved in the future. It is recommendable to work on the specified parameters and improve your creditworthiness.

Frequently Asked Questions (FAQs)

What documents are required to check the Dubai Islamic Bank credit card application status?

You won’t need any documents while checking your Dubai Islamic Bank credit card application online. However, if you opt for any offline method, you should have an application reference number and a few personal details, and more.

How will I know if my DIB credit card application is approved?

You can check the status of your DIB credit card application and know the real-time updates. In case your application is rejected, you will be notified by SMS or email.

 

Can I cancel my Dubai Islamic Bank credit card application after submitting it?

If you want to cancel your Dubai Islamic Bank credit card application after submission, you can approach the bank and share your concerns with the team.

Is it essential to keep track of your Dubai Islamic Bank credit card application status?

Keeping track of your Dubai Islamic Bank credit card application status can be beneficial, as you can stay aware of the progress and check whether any additional details or documents are required in the application process.

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