Dubai Islamic Bank Consumer Platinum Card

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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

Dubai Islamic Bank (DIB) opened its doors in 1975 by the decree of Shaikh Rashid bin Saeed Al Maktoum. Not only was Dubai Islamic Bank the first Islamic Bank in the UAE to be completely Shariah-compliant, but it is currently also the largest Islamic Bank in the UAE.

The Dubai Islamic Bank Consumer Platinum credit card is the perfect card for those customers who wish to save on daily expenses and enjoy the benefits of a socially-responsible Islamic credit card. This credit card is jointly owned by Dubai Islamic Bank and Department of Economic Development in Dubai. It offers all cardholders its spectacular benefits regardless of religion, helping its card members to save their hard-earned money every time they spend with assured cash back of 4%.

Features & Benefits of DIB Consumer Platinum Credit Card

The Dubai Islamic Bank Consumer Platinum credit card offers top of the line features and benefits to its cardholders such as:

Balance Transfers

Cardholders can enjoy the benefit of transferring their outstanding balance of any other bank’s credit card to this DIB credit card. Dubai Islamic Bank allows customers to avail of 0% profit rate charges for the first few months, enabling cardholders to easily pay off their outstanding dues.

Cash Withdrawals

The Dubai Islamic Bank Consumer Platinum credit card allows cardholders to withdraw up to 80% of their available credit limit as an when they require it. Cash can be withdrawn easily through any Visa-accepting ATM across the globe or directly transferred to the Dubai Islamic Bank card account via the Dubai Islamic Bank online portal.

Customer Support

Dubai Islamic Bank prides itself on its expert customer support. Cardholders may contact the customer support staff at any time and from anywhere in the globe to request for services such as replacement of their Dubai Islamic Bank card, emergency cash disbursal and much more.

Credit Shield Takaful

Members of the DIB Consumer Platinum credit card can protect their card repayments for a nominal fee of 0.94% of their outstanding balance. The Credit Shield Takaful covers cardholders in case of permanent total disabilities, involuntary loss of employment, and death.

Online Banking

This DIB credit card offers cardholders access to a secure online platform, which can be used to perform banking operations remotely.

Roadside Assistance

This Dubai Islamic Bank Consumer Platinum credit card offers 3 complimentary roadside assistance services per year, which cardholders can access by paying a one-time upgrade fee as specified by the bank.


This Dubai Islamic Bank credit card offers the highest standards of card security by implementing the Chip & Pin protocol. Ever Chip & Pin Dubai Islamic Bank card is equipped with a unique microchip, which prevents malicious third parties from duplicating the card.

DIB Consumer Platinum Credit Card Rewards & Offers

Being a member of this DIB credit card, one can enjoy the following rewards and offers:

Cash back

Cardholders are rewarded with an impressive array of cash back offers across multiple spending categories right from groceries, refuelling, and bill payments to NOI & salik recharges and more. With no minimum spend required, cardholders can simply use this DIB credit card at participating merchants and earn cash back every time they spend on their DIB Consumer Platinum Credit Card. Please note that the monthly cap on cash back is an enormous amount of AED 1,000 per billing cycle. Below is the cash back rate for DIB Consumer Platinum Credit Card members:

Merchant Categories Cash back (in %) Maximum Monthly Cash back (in AED)
Fuel Spends 4 150
Supermarket & Hypermarket Purchases 4 400
Etisalat & Du Bill Payments 4 150
Automobile Servicing 4 400
Salik & NoI recharges 4 50
Utility Bill Payments 4 150

*Note: Cash back is applicable on transactions in the UAE only.

Eligibility Criteria to Apply for DIB Consumer Platinum Credit Card

The Dubai Islamic Bank Consumer Platinum credit card eligibility criteria are as follows:

  • Age Eligibility: 21+ years
  • Minimum Monthly Salary Requirement: AED 15,000

Fees & Charges on DIB Consumer Platinum Credit Card

Check out the schedule of charges for DIB Consumer Platinum Credit Card:

Fees and Charges Amount
Annual Membership Charges AED 208.95
Cash Advance Charges AED 94.50
Late Payment Charges AED 236.25
Card Replacement or Reissuance Charges AED 52.50
Duplicate Statement Charges AED 47.25
Sales Voucher Copy AED 26.25
Returned Cheque Fee AED 105
Outstation Cheque Processing Fee AED 52.50
Upgrade Charges AED 288.75
Credit Shield Takaful Charges 0.94%
International Usage Charges (Non AED) 2.26%
International Usage Charges (AED) 2.09%
Annual Membership Fee for Internet and Supplementary Cards Free
Payment Via DIB Cheque Free
Liability Letter Issuance AED 52.50
Profit Rate on Easy Payment Plan/Balance Transfer/ Cash on card A maximum of 3.15% per month

(Updated as of October 29, 2020)

Frequently Asked Questions on DIB Consumer Platinum Credit Card

Q1: Can I earn cash back outside the United Arab Emirates using the DIB Consumer Platinum Credit Card?

Ans: No, you can earn cash back only in the United Arab Emirates using this DIB credit card.

Q2: Can I get cash back in USD or in any other currency?

Ans: You can earn cash back only in Dirham (i.e. AED) only with the DIB Consumer Platinum Credit Card.

Q3: What is the minimum salary required for this DIB credit card?

Ans: The minimum monthly salary required for the DIB Consumer Platinum Credit Card is AED 15,000.

Q4: Can I earn cash back on foreign transactions as well?

Ans: No, this card offers cash back on domestic purchases in the UAE only.

Q5: Can I transfer the cash back on any other credit card?

Ans: No, you cannot transfer the cash back points to any other credit card.

Reviews & Ratings

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