Credit Card in UAE

Dubai Islamic Bank Consumer Reward Card

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

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Established in 1975, Dubai Islamic Bank has over 40 years of experience in faithfully serving UAE residents through its diverse range of credit cards. As the largest Islamic Banking organisation in the UAE, Dubai Islamic Bank offers a fully Sharia-compliant range of cards. One of its most rewarding credit cards is the DIB Consumer Reward Credit Card.

This DIB credit card helps its cardmembers to make the most of their spending as it lets them earn up to 3 per cent cashback on everyday purchases. This credit card is jointly owned by Dubai Islamic Bank and the Department of Economic Development in Dubai. Loaded with exclusive features and benefits, this DIB credit card is ideal for day-to-day use.

DIB Consumer Reward Credit Card

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

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Features of DIB Consumer Reward Credit Card

Members of the Dubai Islamic Bank Consumer Reward credit card receive a variety of industry-leading features such as:

  • Balance Transfer- Cardholders can avail of the Dubai Islamic Bank balance transfer facility to move the outstanding balance of any other bank’s credit card onto the DIB Consumer Reward credit card. By doing so, cardholders can enjoy 0% profit rate for the first few months, during which they can conveniently clear their outstanding debt.
  • Credit Shield Takaful - Every Dubai Islamic Bank Consumer Reward credit card comes with an optional insurance policy, known as the Credit Shield Takaful. Credit Shield Takaful offers cardholders indemnity from credit card payments in the event of total permanent disability, loss of employment or death.
  • Chip & Pin Security - The Dubai Islamic Bank Consumer Reward credit card is a Chip & Pin card. Chip & Pin cards contain microchips that are near impossible to duplicate. This prevents the Dubai Islamic Bank card from being misused or copied.

Benefits of Using a Dubai Islamic Bank Consumer Reward Credit Card

Here are the major benefits that the Dubai Islamic Bank Consumer Reward Credit Card offers to the cardholders.

  • Full-time Customer Support - As a Visa-based card, the Dubai Islamic Bank Consumer Reward credit card is accepted all over the world. Also, cardholders can connect to a Dubai Islamic Bank card customer care executive from anywhere in the world, at any time of the day.
  • Cash Withdrawals - Dubai Islamic Bank Consumer Reward Credit Card allows the cardmembers to withdraw up to 80 per cent cash of their available credit card limit. The funds can be accessed instantly through any ATM in the world that accepts Visa or directly transferred into the cardholder’s Dubai Islamic Bank account via the DIB online portal.
  • Online Banking Services- Convenient, secure and highly intuitive is how the Dubai Islamic Bank card online portal may be described. Dubai Islamic Bank’s online platform allows cardholders to perform traditional banking operations such as initiate fund transfers, make card payments and more from anywhere across the globe.
  • Roadside Assistance - Dubai Islamic Bank Consumer Reward credit card benefits also include 3 complimentary roadside assistance services per year, which cardholders can access by paying a one-time upgrade fee as specified by Dubai Islamic Bank.
  • No Savings Cap- Dubai Islamic Bank Consumer Reward Credit Card enables cardholders to save more by offering cashback benefits with no minimum savings cap on shopping at qualified merchants.

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Rewards & Offers for DIB Consumer Reward Card

This DIB credit card comes with the following rewards and offers:

  • Cashback - The Dubai Islamic Bank Consumer Reward credit card offers its cardmembers cashback every month on nearly every category of purchase, including groceries, refuelling, bill payments, NOI & Salik recharges, etc. With no minimum spend required, cardmembers can use this credit card at participating merchants and earn cashback every time they use their DIB Consumer Reward Credit Card. Below is the cashback rate for DIB Consumer Reward Credit Card members:

Merchant Categories

Cashback (in %)

Maximum Monthly Cashback (in AED)

Fuel Spends

3

100

Supermarket & Hypermarket Purchases

3

300

Etisalat & Du Bill Payments

3

100

Automobile Servicing

3

300

Salik & NoI recharges

3

25

Utility Bill Payments

3

100

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Eligibility Criteria to Apply for DIB Consumer Reward Credit Card

Eligibility criteria for the Dubai Islamic Bank Consumer Reward credit card are as follows:

  • The applicant must be a UAE resident.
  • The applicant should be 21 years of age or above.
  • The applicant must meet the minimum salary requirement of AED 5,000 to apply for DIB Consumer Reward Credit Card.
  • The applicant must have a good credit score.

Documents Required When Applying for a DIB Consumer Reward Credit Card

Here is the list of documents required when applying for DIB Consumer Reward Credit Card

  • Passport with Residency Visa – Original and a Copy
  • Emirates ID – Original and a Copy
  • Appointment Letter/Salary Certificate - Original and a Copy
  • Utility Bills – for address verification
  • Trade License for business applicants
  • Bank Statement with salary credit transaction (of last three months) – Original and a Copy

Fees & Charges on DIB Consumer Reward Credit Card

Check out the schedule of charges on the DIB Consumer Reward Credit Card:

Fees and Charges

Amount

Annual Membership Charges

AED 157.50

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

How to Apply for a DIB Consumer Reward Credit Card?

Here are the simple ways to apply for a DIB Consumer Reward Credit Card.

  • Online Banking: Dubai Islamic Bank enables applicants to access their banking details using the Online Banking Portal. The applicants need to go to the Request section on the same portal to apply for a DIB Consumer Reward Credit Card. They need to fill up the online application form and upload all the necessary documents while submitting the application. 
  • Mobile Banking: Dubai Islamic Bank offers a mobile banking app to help customers access their funds anytime from anywhere. The existing DIB customers can download this app from their preferred app store and register themselves on the same using their banking credentials. In the credit cards section of the app, they can apply for a DIB Consumer Reward Credit Card in just a few taps.
  • Call Customer Support: With Dubai Islamic Bank, the applicants can call the 24/7 available help and support line to apply for their chosen credit card. On the bank’s support line, the representative registers the applicant’s request and helps them complete the remaining application process. 
  • Visit a Branch: The applicants can also visit a Dubai Islamic Bank branch to apply for a DIB Consumer Reward Credit Card. They need to fill up the application form at the branch and submit the same with all the essential documents. 
  • Our Website: We also help applicants apply for their chosen credit cards. The applicants can visit our website and go to the credit cards section to find a credit card of their choice. On the website, the applicants can go through the detailed features and benefits of all the Dubai Islamic Bank credit cards, which help them make an informed decision. They can also call our helpline number if they need assistance. Our financial experts will guide them through the application process and help them complete the same without any hassle.  

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Other DIB Credit Card - 

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FAQ's

Q1: What is the minimum salary required for this Dubai Islamic Bank credit card?

Ans: The minimum monthly salary required for the DIB Consumer Reward Credit Card is AED 5,000.

Q2: Are cash back points transferable on any other credit card?

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

Q3: Will I get cash back points on foreign transactions as well?

Ans: No, you will get cash back points on local purchases only.

Q4: What are the cash advance charges?

Ans: The bank levies AED 94.50 as cash withdrawal/advance charges.

Q5: What are the charges on credit shield Takaful?

Ans: The bank levies 0.94% of the outstanding balance on Credit Shield Takaful.

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