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Dubai Islamic Bank Credit Cards

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The Dubai Islamic Bank came into existence in the year 1975. It is the first bank in the region to function as per the Islamic practices. Dubai Islamic Bank is the largest bank in the UAE in terms of assets, third largest Islamic bank in the world and first-full service bank to function as per the Islamic principles. It is one of the most significant PJSC companies in the region to be listed on the Dubai Financial Market. DIB has 90 branches across the region with a strong foothold in seven countries around the globe.

In 44 years, the bank gained a dedicated clientele across the UAE. Not only it caters to more than 1 million existing customers but it also looks after the needs of its growing consumer base with an array of Sharia-compliant banking services.

Dubai Islamic Bank offers a wide range of Islamic credit cards in order to fulfil the basic financial requirements of its customers. Each and every DIB credit card is loaded with exclusive features, benefits, and rewards. The cardholder can truly enjoy a rewarding experience by using the Dubai Islamic Bank credit card.

Types of Dubai Islamic Bank Credit Cards

Types of Dubai Islamic Bank Credit Cards
 

Emirates Skywards DIB Infinite Credit Card

  • Annual Membership Fee: AED 2625
  • Minimum Monthly Income Required: AED 35,000

Features & Benefits of this DIB Credit Card:

With Emirates Skywards Dubai Islamic Bank Infinite Credit Card, every trip becomes much more memorable than ever before. Here are the key features and benefits of using this credit card:

  • Bonus Skywards Miles: The cardholder can make the most out of this card and earn up to 75,000 Skywards Miles as a bonus:
    • The cardholder will get 25,000 Skywards Miles as a bonus upon successful activation of the card.
    • For spending amount equivalent to $20,000 or more during the first 4 consecutive months, the cardholder will earn 25,000 bonus Skywards Miles.
    • The cardholder can earn 25,000 Skywards Miles as a bonus on balance transfer.
  • Skywards Miles Reward Program: Emirates Skywards DIB Infinite Credit Card members are entitled to the exclusive reward program where they can earn Skywards Miles on all domestic and international spends. Afterwards, they can spend the accumulated skywards miles with Emirates and a wide range of selected partners to make their travel experience more rewarding like never before. Listed below is the reward rate for card members:
    • The cardholder will earn 2 Skywards Miles for every equivalent dollar spent in the Emirates.
    • The cardholder will earn 1 Skywards Mile for every equivalent dollar spent in the local currency.
    • The cardholder will earn 1.5 Skywards Miles for every equivalent dollar spent in the foreign currency.
  • Emirates Skywards Silver Membership: This Dubai Islamic Bank Credit Card comes with Emirates Skywards Silver Membership, providing the card member with a host of travel benefits including:
    • The cardholder will earn Skywards Miles as a bonus if they fly with Emirates.
    • The cardholder will be allowed to carry additional baggage up to 12 kg over the permissible limit.
    • The cardholder can make the most of Emirates Lounge access services at Dubai International Airport.
    • The cardholder can avail complimentary seat selection facility if they fly with Emirates.
  • Unlimited Lounge Access: The cardholder can avail unlimited complimentary access to 850 plus airport lounges around the world, courtesy of the Loungekey.
  • Easy Payment Plan with Emirates: The cardholder can enjoy the 0% easy payment plan facility where they can purchase travel tickets to any destination through the official website of Emirates using this card and convert the transaction into monthly instalments at 0% profit rate.
  • Global Concierge Services: This Dubai Islamic Bank Credit Card offers 24X7 personalized services to its cardholder for hotel bookings, limousine transfers, and flight reservations and more via a dedicated network of worldwide toll-free numbers.
  • Complimentary Travel Insurance: This insurance plan offers coverage up to 1 Million USD against unforeseen events for all international and domestic trips. It provides robust coverage against unpleasant situations like lost baggage, delayed departure, repatriation, emergency medical expenditure, legal expenses, personal liability and more.
  • Exclusive Dining Offers: Using this DIB credit card, the cardholder can avail discounts (up to 25%) on online orders at Zomato all over the UAE by using Promo code DIBEK.
  • Health and Fitness Privileges: This Dubai Islamic Bank Credit Card is designed keeping in mind the lifestyle needs of the modern city dwellers. The card member can access the Emirates Towers Health Club and utilizes its amazing facilities on any day of the week.
  • VISA Luxury Hotel Collection Privileges: The cardholder can access more than 900 luxury hotels worldwide and get the most out of member privileges- price discount, free room upgrades, free breakfast and internet, freedom to check-out late, VIP guest treatment, and complimentary food and beverage vouchers worth USD 25.
  • Valet Parking Benefits: The card offers up to 4 free valet parking services on a monthly basis at some of the selected locations in Dubai and Abu Dhabi.
  • Roadside Assistance: The cardholder can enjoy up to 3 roadside assistance services per year.
  • Balance Transfer Facility: The cardholder can apply for the balance transfer facility and pay off the outstanding debt on any other credit cards to save on unnecessary charges.
  • Medical and Legal Help: The card member can avail the following medical and legal help they need (if any):
    • Telephonic Medical consultation
    • Medical Referral Services
    • Health Monitoring (pre and post-hospital care)
    • Essential Equipment and Medicines delivery
    • The dispatch of a physician to a specified location
    • Emergency Medical Evacuation/Repatriation
    • Legal recommendations
    • Interpreter referral services
  • Year-Round Purchase protection: This credit card safeguards the purchases against loss or theft for a period of one year from the date of purchase of the eligible product.
  • Global Customer Assistance: It keeps hindrance and inconvenience arising out of unplanned travelling at bay by ensuring the card member can avail world-class service and support at all times. The card member avail the following value-added services:
    • Reporting Lost/ Stolen Cards
    • Emergency Card Replacement
    • Cash Disbursement in Emergency
  • Extended Warranty: Emirates Skywards DIB Infinite credit card offers its card member an extended warranty on their purchases that automatically doubles the manufacturer’s warranty for one year (maximum) against mechanical breakdown or new electrical household items.
  • Cash Withdrawal: The cardholder can withdraw cash up to 80% of the available credit limit using this DIB credit card.
  • Visa payWave: This card is enabled with the Visa payWave technology that entitles the card members to shop safely and securely.
  • Chip & Pin Security: The card comes with chip and pin enabled technology that provides extra-layer of protection and security for making payments. The payment can be made just by tapping the card on the contactless POS terminal.
  • Payment: The cardholder can make the Emirates Skywards DIB Infinite Credit Card payment using any of the following payment gateways:
    • Online banking
    • Phone banking
    • Account transfers
    • Bank branches
    • DIB cash and Cheque Deposit Machines

Emirates Skywards DIB Signature Credit Card

  • Annual Membership Fee: AED 1575
  • Minimum Monthly Income Required: AED 15,000

Features & Benefits of this DIB Credit Card:

Here are some of the key features and benefits of the Emirates Skywards DIB Signature Credit Card:

  • Bonus Skywards Miles: The cardholder can earn up to 30,000 Skywards Miles as a bonus:
    • The cardholder will get 15,000 Skywards Miles as a bonus upon successful activation of the card.
    • The cardholder can earn 15,000 Skywards Miles as a bonus on balance transfer.
  • Skywards Miles Reward Program: With this Dubai Islamic Bank Credit Card, the cardholder can earn Skywards Miles while they splurge on both local and international purchases. This loyalty program is a straight-out benefit for all the cardholders. They can redeem the accumulated miles with Emirates and its selected partners. Listed below is the reward rate for card members:
    • The cardholder will earn 1.5 Skywards Miles for every equivalent dollar spent in the Emirates.
    • The cardholder will earn 0.75 Skywards Mile for every equivalent dollar spent in the local currency.
    • The cardholder will earn 1 Skywards Mile for every equivalent dollar spent in the foreign currency.
  • Unlimited Lounge Access: The cardholder can avail unlimited complimentary access to 850 plus airport lounges around the world, courtesy of the Loungekey.
  • Easy Payment Plan with Emirates: The cardholder can enjoy the 0% easy payment plan facility where they can purchase travel tickets to any destination through the official website of Emirates using this card and convert the transaction into monthly instalments at 0% profit rate.
  • Global Concierge Services: This Dubai Islamic Bank Credit Card offers 24X7 personalized services to its cardholder for hotel bookings, limousine transfers, and flight reservations and more via a dedicated network of worldwide toll-free numbers.
  • Complimentary Travel Insurance: This insurance plan offers coverage up to 500,000 USD against unforeseen events for all international and domestic trips. It provides robust coverage against unpleasant situations like lost baggage, delayed departure, repatriation, emergency medical expenditure, legal expenses, personal liability and more.
  • Exclusive Dining Offers: Using this DIB credit card, the cardholder can avail discounts (up to 25%) on online orders at Zomato all over the UAE by using Promo code DIBEK.
  • VISA Luxury Hotel Collection Privileges: The cardholder can access more than 900 luxury hotels worldwide and get the most out of member privileges- price discount, free room upgrades, free breakfast and internet, freedom to check-out late, VIP guest treatment, and complimentary food and beverage vouchers worth USD 25.
  • Valet Parking Benefits: The card offers up to 3 free valet parking services on a monthly basis at some of the selected locations in Dubai and Abu Dhabi.
  • Roadside Assistance: The cardholder can enjoy up to 3 roadside assistance services per year.
  • Balance Transfer Facility: The cardholder can apply for the balance transfer facility and pay off the outstanding debt on any other credit cards to save on unnecessary charges.
  • Medical and Legal Help: The card member can avail the following medical and legal help they need (if any):
    • Telephonic Medical consultation
    • Medical Referral Services
    • Health Monitoring (pre and post-hospital care)
    • Essential Equipment and Medicines delivery
    • The dispatch of a physician to a specified location
    • Emergency Medical Evacuation/Repatriation
    • Legal recommendations
    • Interpreter referral services
  • Year-Round Purchase protection: This credit card safeguards the purchases against loss or theft for a period of one year from the date of purchase of the eligible product.
  • Global Customer Assistance: It keeps hindrance and inconvenience arising out of unplanned travelling at bay by ensuring the card member can avail world-class service and support at all times. The card member avail the following value-added services:
    • Reporting Lost/ Stolen Cards
    • Emergency Card Replacement
    • Cash Disbursement in Emergency
  • Extended Warranty: Emirates Skywards DIB Signature credit card offers its card member an extended warranty on their purchases that automatically doubles the manufacturer’s warranty for one year (maximum) against mechanical breakdown or new electrical household items.
  • Cash Withdrawal: The cardholder can withdraw cash up to 80% of the available credit limit using this DIB credit card.
  • Visa payWave: This card is enabled with the Visa payWave technology that entitles the card members to shop safely and securely.
  • Chip & Pin Security: The card comes with chip and pin enabled technology that provides extra-layer of protection and security for making payments. The payment can be made just by tapping the card on the contactless POS terminal.
  • Payment: The cardholder can make the Emirates Skywards DIB Signature Credit Card payment using any of the following payment gateways:
    • Online banking
    • Phone banking
    • Account transfers
    • Bank branches
    • DIB cash and Cheque Deposit Machines

Emirates Skywards DIB Platinum Credit Card

  • Annual Membership Fee: AED 525
  • Minimum Monthly Income Required: AED 5,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of the Emirates Skywards DIB Platinum Credit Card:

  • Bonus Skywards Miles: The cardholder can earn up to 5,000 Skywards Miles as a bonus.
  • Skywards Miles Reward Program: With this Dubai Islamic Bank Credit Card, the cardholder can earn Skywards Miles while they splurge on both local and international purchases. This loyalty program is a straight-out benefit for all the cardholders. They can redeem the accumulated miles with Emirates and its selected partners. Listed below is the reward rate for card members:
    • The cardholder will earn 1 Skywards Mile for every equivalent dollar spent in the Emirates.
    • The cardholder will earn 0.5 Skywards Mile for every equivalent dollar spent in the local currency.
    • The cardholder will earn 0.75 Skywards Mile for every equivalent dollar spent in the foreign currency.
  • Easy Payment Plan with Emirates: The cardholder can enjoy the 0% easy payment plan facility where they can purchase travel tickets to any destination through the official website of Emirates using this card and convert the transaction into monthly instalments at 0% profit rate.
  • Exclusive Dining Offers: Using this DIB credit card, the cardholder can avail discounts (up to 25%) on online orders at Zomato all over the UAE by using Promo code DIBEK.
  • VISA Luxury Hotel Collection Privileges: The cardholder can access more than 900 luxury hotels worldwide and get the most out of member privileges- price discount, free room upgrades, free breakfast and internet, freedom to check-out late, VIP guest treatment, and complimentary food and beverage vouchers worth USD 25.
  • Roadside Assistance: The cardholder can enjoy up to 3 roadside assistance services per year.
  • Balance Transfer Facility: The cardholder can apply for the balance transfer facility and pay off the outstanding debt on any other credit cards to save on unnecessary charges.
  • Medical and Legal Help: The card member can avail the following medical and legal help they need (if any):
  • Telephonic Medical consultation
    • Medical Referral Services
    • Health Monitoring (pre and post-hospital care)
    • Essential Equipment and Medicines delivery
    • The dispatch of a physician to a specified location
    • Emergency Medical Evacuation/Repatriation
    • Legal recommendations
    • Interpreter referral services
  • Year-Round Purchase protection: This credit card safeguards the purchases against loss or theft for a period of one year from the date of purchase of the eligible product.
  • Global Customer Assistance: It keeps hindrance and inconvenience arising out of unplanned travelling at bay by ensuring the card member can avail world-class service and support at all times. The card member avail the following value-added services:
    • Reporting Lost/ Stolen Cards
    • Emergency Card Replacement
    • Cash Disbursement in Emergency up to US Dollar 5,000.
  • Extended Warranty: Emirates Skywards DIB Platinum credit card offers its card member an extended warranty on their purchases that automatically doubles the manufacturer’s warranty for one year (maximum) against mechanical breakdown or new electrical household items.
  • Cash Withdrawal: The cardholder can withdraw cash up to 80% of the available credit limit using this DIB credit card.
  • Visa payWave: This card is enabled with the Visa payWave technology that entitles the card members to shop safely and securely.
  • Chip & Pin Security: The card comes with chip and pin enabled technology that provides extra-layer of protection and security for making payments. The payment can be made just by tapping the card on the contactless POS terminal.
  • Payment: The cardholder can make the Emirates Skywards DIB Platinum Credit Card payment using any of the following payment gateways:
    • Online banking
    • Phone banking
    • Account transfers
    • Bank branches
    • DIB cash and Cheque Deposit Machines

DIB Consumer Platinum Credit Card

  • Annual Membership Fee: AED 208.95
  • Minimum Monthly Income Required: AED 15,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Guaranteed Cash back: The DIB Consumer Platinum Credit Card is designed by keeping the needs of shoppers in mind. It enables the cardholder to save a lot on the supermarket and hypermarket purchases, bills and more in the form cash back of up to 4 %. The card is offered by DIB and the Department of Economic Development.
  • Cashback Galore: The cardholder can earn cash back on the everyday spends put on the card such as Salik and Nol recharges,  refuelling stations, utility bill payments and more.
  • Cashback Earning Rates: 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 card members:
  • Supermarket & Hypermarket Purchases, school fees, and Automobile Servicing- 4 % (capped at AED 400)
  • Etisalat & Du Bill Payments, Utility Bills, and Fuel Spends- 4 % (capped at AED 150)
  • Salik and Nol Recharges: 4 % (capped at AED 50)

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

  • Roadside Assistance: The cardholder can enjoy up to 3 roadside assistance services per year.
  • Balance Transfer Facility: The cardholder can apply for the balance transfer facility and pay off the outstanding debt on any other credit cards to save on unnecessary charges.

DIB Consumer Reward Credit Card

  • Annual Membership Fee: AED 157.50
  • Minimum Monthly Income Required: AED 5,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Guaranteed Cash back: The DIB Consumer Reward Credit card enables the cardholder to save a lot on the supermarket and hypermarket purchases, bills and more in the form of cashback of up to 3%. The card is offered by DIB and the Department of Economic Development.
  • Cashback Galore: The cardholder can earn cash back on the everyday spends put on the card such as Salik and Nol recharges,  refuelling stations, utility bill payments and more.
  • Cashback Earning Rates: 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 Reward Credit Card. Below is the cash back rate for card members:
  • Supermarket & Hypermarket Purchases, school fees, and Automobile Servicing: 3% (capped at AED 300)
  • Etisalat & Du Bill Payments: 3% (capped at AED 100)
  • Fuel Spends: 3% (capped at AED 100)
  • Salik and Nol Recharges: 3% (capped at AED 25)
  • Roadside Assistance: The cardholder can enjoy up to 3 roadside assistance services per year.
  • Balance Transfer Facility: The cardholder can apply for the balance transfer facility and pay off the outstanding debt on any other credit cards to save on unnecessary charges.

DIB Prime Infinite Credit Card

  • Annual Membership Fee: Free
  • Monthly Subscription Fee: AED 1,000
  • Minimum Monthly Income Required: AED 50,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Dubai Islamic Bank Prime Infinite credit card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 1 Wala’s rewards points on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Complimentary Valet Parking: This DIB credit card offers free valet parking services twice a month at designated areas in Dubai and Abu Dhabi.
  • Visa Infinite Privileges: The cardholder can avail global, local, and regional offers on travel, entertainment, dining, retail, and golf centres. Additionally, they can also get value-added benefits, offers, access, and tickets to special events globally.
  • Visa Infinite Dedicated Website: Card members can visit the Visa Infinite dedicated website. The exclusive features of this website include a detailed description of different card services, features and benefits, the latest information on VISA-assigned benefits & merchant partner offers and also toll-free customer care numbers for all key global destinations.
  • Luxury Hotel Collection Privileges: The card member can enjoy price discount, room upgrades, free breakfast and internet, late check-out time, VIP treatment, and complimentary food and beverage vouchers (worth US$ 25).
  • Multi-Trip Travel Insurance: The DIB Prime Infinite credit card member is eligible to enjoy multi-trip insurance coverage (amounting up to USD 1,000,000) on both domestic and international trips. The coverage is provided for lost/stolen baggage, delayed departure, emergency medical/repatriation expenses, legal expenses and more.
  • Highly Sought-After Concierge Services: This Dubai Islamic Bank Credit Card offers 24X7 personalised services to its cardholder for hotel bookings, limousine transfers, and flight reservations and more.
  • Complimentary Lounge Access: The cardholder can avail unlimited complimentary access to premium airport lounges worldwide.
  • Comprehensive Benefits: The cardholder can avail a series of benefits like purchase protection, extended warranty, and more.
  • Roadside Assistance: The card member can avail unlimited roadside assistance services on a complimentary basis which include:
    • Towing Service
    • Vehicle Service And Repairs (Pick-Up And Drop-Off )
    • Vehicle registration
    • Battery boosting
    • Flat Tyre Repairs
    • Inter-Emirate Towing Assistance
    • Free International Driving License
    • Lock-out Assistance Services
    • Fuel Assistance
  • Off-Road Areas Pull OutCredit Shield Protection: It offers the card member protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility: The cardholder can avail the facility of Instant balance transfer.
  • Cash Withdrawal: The cardholder can withdraw cash up to 80% of the available credit limit using this DIB credit card.

DIB Prime Signature Credit Card

  • Annual Membership Fee: NA
  • Monthly Subscription Fee: NA
  • Minimum Monthly Income Required: AED 25,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Dubai Islamic Bank Prime Signature credit card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 3 Wala’s rewards points on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Complimentary Valet Parking: This DIB credit card offers free valet parking services twice a month at designated areas in Dubai and Abu Dhabi.
  • Visa Signature Privileges: The cardholder can avail global, local, and regional offers on travel, entertainment, dining, retail, and golf centres. Additionally, they can also get value-added benefits, offers, access, and tickets to special events globally.
  • Visa Signature Dedicated Website: Card members can visit the Visa Siganture dedicated website. The exclusive features of this website include a detailed description of different card services, features and benefits, the latest information on VISA-assigned benefits & merchant partner offers and also toll-free customer care numbers for all key global destinations.
  • Luxury Hotel Collection Privileges: The card member can enjoy price discount, room upgrades, free breakfast and internet, late check-out time, VIP treatment, and complimentary food and beverage vouchers (worth US$ 25).
  • Multi-Trip Travel Insurance: The DIB Prime Signature credit card member is eligible to enjoy multi-trip insurance coverage on both domestic and international trips. The coverage is provided for lost/stolen baggage, delayed departure, emergency medical/repatriation expenses, legal expenses and more.
  • Highly Sought-After Concierge Services: This Dubai Islamic Bank Credit Card offers 24X7 personalised services to its cardholder for hotel bookings, limousine transfers, and flight reservations and more.
  • Complimentary Lounge Access: The cardholder can avail unlimited complimentary access to premium airport lounges worldwide.
  • Purchase Protection: The cardholder can enjoy the feature of purchase protection for eligible goods against loss or theft for a period of 90 days from the date of purchase.
  • Extended Warranty: This card comes with an additional warranty for the goods purchased using this card.
  • Roadside Assistance: The card member can avail unlimited roadside assistance services on a complimentary basis which include:
    • Towing Service
    • Vehicle Service And Repairs (Pick-Up And Drop-Off )
    • Vehicle registration
    • Battery boosting
    • Flat Tyre Repairs
    • Inter-Emirate Towing Assistance
    • Free International Driving License
    • Lock-out Assistance Services
    • Fuel Assistance
    • Off-Road Areas Pull Out
  • Credit Shield Protection: It offers the card member protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility: The cardholder can transfer their other bank’s credit card outstanding balance to DIB Prime Signature Credit Card in order to save on unnecessary charges.
  • Card Protection Plus: The cardholder can adjust the security settings on their card, and evaluate the type of purchases that can be made with the card.

DIB Prime Platinum Credit Card

  • Annual Membership Fee: Free
  • Monthly Subscription Fee: 600
  • Minimum Monthly Income Required: AED 15,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Dubai Islamic Bank Prime Platinum credit card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 2.5 Wala’s rewards points on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Visa Luxury Hotel Privileges: The cardholder can access more than 900 luxury hotels worldwide and avail exclusive privileges such as room upgrades automatically, best rates, free breakfast and internet, late check-out time, VIP treatment, and complimentary food and beverage vouchers (worth US$ 25).
  • Purchase Protection: The cardholder can safeguard the good purchased on their card against loss or theft for a period of 60 days from the date of purchase.
  • Travel & Personal Accident Insurance: The DIB Prime Platinum credit card member can enjoy complimentary travel and personal accident insurance coverage (amounting up to USD 1,000,000) upon buying travel tickets using this card. The coverage is provided for lost/stolen baggage, delayed departure, emergency medical expenses, dental care, loss of cash or valuables, personal accident, and more.
  • Roadside Assistance: The card member can avail unlimited roadside assistance services on a complimentary basis which include:
    • Towing Service
    • Vehicle Service And Repairs (Pick-Up And Drop-Off )
    • Vehicle registration
    • Battery boosting
    • Flat Tyre Repairs
    • Free International Driving License
    • Lock-out Assistance Services
    • Fuel Assistance
    • Off-Road Areas Pull Out
  • Credit Shield Protection: It offers the card member protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility: The cardholder can transfer their other bank’s credit card outstanding balance to DIB Prime Platinum Credit Card in order to save on unnecessary charges.
  • Card Protection Plus: It is an optional facility that enables the cardholder to adjust the security settings on their card and evaluate the type of purchases that can be made with the card.
  • Cash Withdrawals: The cardholder can withdraw cash up to 80% of the available credit limit in times of financial needs.

DIB Prime Gold Credit Card

  • Annual Membership Fee: Free
  • Monthly Subscription Fee: 375
  • Minimum Monthly Income Required: AED 5,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Dubai Islamic Bank Prime Gold credit card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 1.5 Wala’s rewards points on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Travel & Personal Accident Insurance: The DIB Prime Gold credit card member can enjoy complimentary travel and personal accident insurance coverage (amounting up to USD 75,000) upon buying travel tickets using this card. The coverage is provided for lost/stolen baggage, delayed departure, emergency medical expenses, dental care, loss of cash or valuables, personal accident, and more.
  • Cash Withdrawals: The cardholder can withdraw cash up to 80% of the available credit limit in times of financial needs.
  • Roadside Assistance: The card member can avail unlimited roadside assistance services on a complimentary basis which include:
    • Towing Service
    • Vehicle Service And Repairs (Pick-Up And Drop-Off )
    • Vehicle registration
    • Battery boosting
    • Flat Tyre Repairs
    • 75% off on International Driving License
    • Lock-out Assistance Services
    • Fuel Assistance
    • Off-Road Areas Pull Out
  • Credit Shield Protection: It offers the card member protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility: The cardholder can transfer their other bank’s credit card outstanding balance to DIB Prime Gold Credit Card in order to save on unnecessary charges.
  • Card Protection Plus: It is an optional facility that enables the cardholder to adjust the security settings on their card and evaluate the type of purchases that can be made with the card.

DIB Prime Classic Credit Card

  • Annual Membership Fee: Free
  • Monthly Subscription Fee: 195

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Dubai Islamic Bank Prime Classic credit card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 1 Wala’s rewards point on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Travel & Personal Accident Insurance: The DIB Prime Classic credit card member can enjoy complimentary travel and personal accident insurance coverage (amounting up to USD 50,000) upon buying travel tickets using this card. The coverage is provided for lost/stolen baggage, delayed departure, emergency medical expenses, dental care, loss of cash or valuables, personal accident, and more.
  • Cash Withdrawals: The cardholder can withdraw cash up to 80% of the available credit limit in times of financial needs.
  • Roadside Assistance: The card member can avail roadside assistance services on a complimentary basis which include:
    • Vehicle Service And Repairs (Pick-Up And Drop-Off )
    • Vehicle registration
    • Battery boosting
    • Flat Tyre Repairs
    • 50% off on International Driving License
    • Lock-out Assistance Services
    • Fuel Assistance
    • Off-Road Areas Pull Out
  • Credit Shield Protection: It offers the card member protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility: The cardholder can transfer their other bank’s credit card outstanding balance to DIB Prime Classic Credit Card in order to save on unnecessary charges.
  • Card Protection Plus: It is an optional facility that enables the cardholder to adjust the security settings on their card and evaluate the type of purchases that can be made with the card.

DIB Al Islami Gold Premium Credit Card

  • Annual Membership Fee: Free
  • Monthly Subscription Fee: 475
  • Minimum Monthly Income Required: AED 5,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 2 Wala’s rewards points on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Roadside Assistance: The card member can avail various roadside assistance services which include:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Vehicle registration
    • Battery boost
    • Flat Tyre Repairs
    • Towing Service
    • Lock-out Assistance Services
    • Fuel Assistance
    • 75% off on International Driving License
    • Off-Road Areas Pull Out – 5 complimentary services in a year.
  • Travel & Personal Accident Insurance: The card member can enjoy complimentary travel and personal accident insurance coverage upon buying travel tickets using this card. The coverage is provided for lost/stolen baggage (up to US dollar 2500), delayed departure, emergency medical expenses, dental care, loss of cash or valuables, personal accident, and more.
  • Credit Shield Takaful Protection: It offers protection against death, total disability and even loss of employment for a fee of 0.89% of the outstanding balance. 
  • Balance Transfer Facility: The cardholder can transfer their other bank’s credit card outstanding balance to this DIB Credit Card in order to save on unnecessary charges.

DIB Al Islami Internet Card

  • Annual Membership Fee: Free

Features & Benefits of this DIB Credit Card:

This credit card comes with exciting features that make online shopping easy and convenient. Here are key features and benefits of this DIB Credit Card:

  • Linked Card: DIB Al Islami Internet card is linked to the primary Dubai Islamic Bank Al Islami credit cards. Therefore, this card member is eligible to earn the same rewards points & benefits as the primary Al Islami DIB credit card members.  Also note that this card can’t be utilized to make offline purchases as it has no magnetic strip.
  • Safety at its Best: This card comes with enhanced safety features.
  • Monitored Spending: The DIB Al Islami Internet card offers access to a 20% (maximum) of the primary DIB Al Islami credit card limit and all transactions made with the card are recorded separately in the primary DIB credit card. Hence, it entitles the card member to track their all online spends.

Johara Gold Premium Credit Card

  • Annual Membership Fee: Free
  • Monthly Subscription Fee: 475
  • Minimum Monthly Income Required: AED 5,000

Features & Benefits of this DIB Credit Card:

Here are key features and benefits of this DIB Credit Card:

  • Wala’a Rewards Program: Card members are entitled into the rewards program called Wala’a Rewards. Under this program, card members can earn 2 Wala’s rewards points on every AED spent across all retail purchases and redeem the accumulated points for hotel reservations, retail purchases, flight tickets, bill payments and much more.

Please note that the cardholder will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Petroleum, Education, Telecom, Supermarkets, and Government services (including bill payments).

  • Roadside Assistance: The card member can avail various roadside assistance services which include:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Vehicle registration
    • Car replacement for one day in  an event of accident
    • Battery boost
    • Flat Tyre Repairs
    • Towing Service
    • Lock-out Assistance Services
    • Fuel Assistance
    • 75% off on International Driving License
    • Off-Road Areas Pull Out – 5 complimentary services in a year.
    • Unlimited Inter-Emirate towing service
  • Travel & Personal Accident Insurance: The card member can enjoy complimentary travel and personal accident insurance coverage upon buying travel tickets using this card. The coverage is provided for lost/stolen baggage (up to US dollar 2500), delayed departure, emergency medical expenses, dental care, loss of cash or valuables, personal accident, and more.
  • Credit Shield Takaful Protection: It offers protection against death, total disability and even loss of employment for a fee of 0.89% of the outstanding balance. 
  • Balance Transfer Facility: The cardholder can transfer their other bank’s credit card outstanding balance to this DIB Credit Card in order to save on unnecessary charges.

Features & Benefits of Dubai Islamic Bank Credit Card

Following are the key features and benefits offered by the Dubai Islamic Bank credit card:

Balance Transfer Facility

Nearly all the credit cards offered by the Dubai Islamic bank offer the balance transfer facility which enables the card member to transfer the other bank’s credit card outstanding balance to the DIB credit card at low profit rate. This ultimately helps to save on unnecessary expenses.

Cash Advance

All the Dubai Islamic Bank credit cards offer the cardholder access to 80% of their available credit limit as instant cash that can be withdrawn from any ATM all over the globe.

Credit Shield

Dubai Islamic Bank credit cards offer an insurance policy called Credit Shield. This insurance offers coverage to the DIB credit cardholder in an event of any unforeseen accidents that make them unable to pay off the outstanding amount for a nominal fee of 0.89% of the outstanding balance. It covers loss of employment, permanent disability, and even death.

Purchase Protection

Some of the Dubai Islamic Bank credit cards offer the card member purchase protection that refunds or replaces any stolen, lost or damaged item which have been bought with the DIB credit card.

Travel Benefits

From room upgrades and complimentary airport lounge access to discounts on hotel reservation and travel insurance, the wide range of Dubai Islamic Bank credit cards offers fantastic travel benefits to the card member that help them to save on their travel expenses.

Rewards & Offers

Nearly all the DIB credit cards entitle its card member into the reward program where they can earn loyalty reward points on every AED spent locally as well as internationally. And then, they can redeem the accumulated reward points for a variety of travel and lifestyle benefits.

Roadside Assistance

One of the best DIB credit card benefits is unlimited free roadside assistance. The services include battery boosting, changing flat tyres, vehicle registration, vehicle service & repairs (Pick-Up & Drop-Off) fuel delivery, lock-out assistance services, towing, and much more.

Dubai Islamic Bank Credit Card Profit Rates and Annual Membership Fees 

DIB Credit Cards Annual Membership Fee (in AED) Monthly Profit Rate (in %)
Emirates Skywards DIB Infinite Credit Card 2625 NA
Emirates Skywards DIB Signature Credit Card 1575 NA
Emirates Skywards DIB Platinum Credit Card 525 NA
DIB Consumer Platinum Credit Card 208.95 NA
DIB Consumer Reward Credit Card 157.50 NA
DIB Prime Infinite Credit Card Free Up to 3.25
DIB Prime Signature Credit Card NA Up to 3.25
DIB Prime Platinum Credit Card Free Up to 3.25
DIB Prime Gold Credit Card Free Up to 3.25
DIB Prime Classic Credit Card Free Up to 3.25
DIB AI Islami Gold Premium Credit Card Free NA
DIB AI Islami Internet Card 0 NA
DIB Johara Gold Premium Credit Card Free NA

Dubai Islamic Bank Credit Card Eligibility Criteria

One can enjoy many Dubai Islamic Bank credit card benefits and offers, provided that he/she meets the eligibility criteria mentioned below:

  • Age: All Dubai Islamic Bank credit cards come with a minimum age requirement of 18 years. So, the applicant must be a minimum of 18 years old in order to be eligible for DIB credit card.
  • Minimum Monthly Salary: Each DIB credit card comes with a minimum monthly salary requirement and it ranges from AED 5000 to AED 50,000. The better the DIB credit card offers are, the higher the required minimum monthly income will be.
  • UAE Residency: The applicant applying for a Dubai Islamic Bank credit card is required to be an UAE resident. He/she will be asked to provide valid ID as well as residency proof by the bank.
  • Credit History: Poor credit history can reduce the chances of the DIB credit card application approved. Hence, it is very important to maintain a good credit score in order to be eligible for the DIB credit card.

Documents Required to Apply for Dubai Islamic Bank Credit Card

The applicant needs to submit the following documents to apply for DIB credit card:

  • Emirates ID
  • Address Proofs (like Utility Bills)
  • UAE Residence Visa with passport copy (for expatriates)
  • Bank statements of last 3-6 months
  • Salary transfer letter (for salaried individuals)
  • Trade license (for self-employed individuals)

How to apply for Dubai Islamic bank credit card in the UAE

Applying for the Dubai Islamic Bank credit card is as easy as 1-2-3. Interested applicants can apply for the DIB credit card online or offline as per their convenience.  

  • Online: The applicant can log on to the official website of Dubai Islamic Bank and apply for the credit card of their choice online. The applicant must check the eligibility criteria to ensure the acceptance of their application. After clicking on the Apply tab, a new window will open. The applicant will have to fill in personal information in the online credit card application form.
  • Offline: The applicant can visit the nearest branch of DIB and talk to the representative about their preferred credit card. They can apply for the same by filling out the credit card application form offline.

Dubai Islamic Bank Credit Card Limit

Each Dubai Islamic Bank credit card comes with a certain credit limit. This credit limit should not be exceeded otherwise the card member will have to pay extra charges. In addition to that, the bank reserves the right (at its discretion) to cancel the card without informing the cardholder.

Schedule of Other Charges for Dubai Islamic Bank Credit Card

 Here are the fees & charges associated with the DIB credit cards:

Fees & Charges Amount (in AED)
Visa and MasterCard International withdrawal fees   26.25
Cash Withdrawal Fee      94.50
Reissuance or Replacement Fee    52.50
Copy of Sales Voucher 26.25
Upgrade Fee  288.75
Late Payment Fee   236.25
Duplicate Statement Fee   47.25
Returned Cheque Charge   105
International Usage Fee (Non-AED) 2.26%
Outstation Cheque Processing Charge 52.50 
Payment Through DIB Cheque   Free
Annual Fee for Supplementary & Internet Cards   Free
Credit Shield Takaful Fee   0.94%

(Updated as of December 1, 2020)

Why Choose Dubai Islamic Bank Credit Cards?

Listed below are the features that make Dubai Islamic Bank Credit Cards ideal choice for the credit card applicants:

  • Most of the Dubai Islamic Bank Credit Cards come without an annual fee along with plenty of lifestyle, travel and shopping benefits.
  • The cardholder can earn reward points on every 1 Dirham spent on local and global transactions.
  • The cards are free from Riba and any other un-Islamic charges.
  • The card offers the following benefits:

Credit shield takaful protection plan, free international driving license with road-side assistance,  emergency cash/ card replacement, multi-trip travel insurance,  cash withdrawal limit, purchase protection, exclusive lifestyle privileges,  valet parking facility, travel privileges, balance transfer facility etc.

  • The cards offer an easy payment plan.
  • Some credit cards have a minimum salary requirement of AED 5000.

FAQs on Dubai Islamic Bank Credit Card

Q1: What is the income eligibility to apply for the Dubai Islamic Bank credit cards?

Ans: The minimum monthly salary to apply for Dubai Islamic Bank Credit Card ranges from AED 5000 to AED 50,000.

Q2: Are Dubai Islamic Bank credit cards Sharia-Compliant?

Ans: Al Islami Credit Cards offered by Dubai Islamic Bank are Sharia-compliant cards. They come packed with a host of privileges and offer unmatched convenience and global acceptance.

Q3: What do I do if my Dubai Islamic Bank credit card is lost or stolen?

Ans: You should immediately call the customer service centre and intimate about the loss of card and get your card blocked.

Q4: How do I apply for a Dubai Islamic Bank Credit Card?

Ans: You can log on to the official website of the Dubai Islamic bank and apply for the credit card of your choice by clicking on the Apply button. Alternatively, you can visit the nearby branch of DIB and apply for the desired DIB credit card.

Q5: What are charges for the Credit Shield Takaful?

Ans: 0.89% of the outstanding amount is charged on credit shield takaful.

Q6: Will I get Cashback on all DIB credit cards?

Ans: If you opt for Consumer Platinum Card and Consumer Reward Card, then only you can earn Cashback.

Q7: What is a Supplementary Card?

Ans: A supplementary card is an add-on card that can be availed by the primary cardholder for their eligible family member. This card works exactly like a primary credit card but all expenses and fees are deducted from the primary credit card account.

Q8: What are Wala’a Rewards?

Ans: Any purchase made through DIB credit cards is eligible for loyalty points, under DIB loyalty program. The card member can earn Wala’a Reward points as per applicable terms and conditions. These accumulated reward points can be redeemed for booking flight tickets, hotel bookings, bill payments, retail spends and plenty more.

Q9: How to Cancel Dubai Islamic Bank Credit Card in the UAE?

Ans: For closing the DIB credit card account, the cardholder can notify the bank anytime in writing and return the cards by cutting in half. The credit card account will be closed once the cardholder clears all their credit card outstanding dues.