Dubai Islamic Bank

Dubai Islamic Bank (DIB), a premier bank in Dubai, is proud to provide its customers with a comprehensive range of retail and wholesale banking services.  As champions of equity, morality, and clarity, DIB recognizes that its continued success lies in listening to its customers and delivering innovative products and services inspired by their needs.

Products and Services Offered by Dubai Islamic Bank

Dubai Islamic Bank provide the following products and services:

Current Accounts	2-in-1 Accounts	Savings Accounts	Payroll Accounts
Credit Cards	Debit Cards	Deposits	Investment Solutions
Car Finance	Home Finance	Personal Finance	Smarter Banking Solutions
Emirati Banking	Wajaha Private Banking	Aayan Exclusive Banking	Mumayyaz Privilege Banking
Corporate Banking	Treasury	Business Banking	Investment Banking

Online and Offline Features of Dubai Islamic Bank

Dubai Islamic Bank Products and Services

DIB Current Accounts

1. Al Islami Current Account

With the Al Islami Current Account, it's never been easier to access your funds. Whether you are at home, at work or travelling overseas, you'll be able to manage your money from wherever you are.

Highlights:

• Digital Bill Payment
• E-Banking is available
• Daily Cash Withdrawal up to 75000 AED
• Mobile Banking is available

2. Johara Current Account

Johara Current account provides seamless access to your funds. With Johara Current account, you can access your funds even when you are away from home.

Highlights:

• Digital Bill Payment
• E-Banking is available
• Mobile Banking is available

DIB 2 in 1 Account

1. Al Islami 2 in 1 Account

Open your doors to a world of financial opportunities by opening the Al Islami 2-in-1 Account. This account mixes the ease of use of a DIB account with the expected performance of a current account and savings points, all while presenting you with a clear picture of your money.

Highlights:

• Digital Bill Payment
• E-Banking is available
• Earn substantial returns on your balance by maintaining the required balance.
• Mobile Banking is available

DIB Savings Accounts

1. Al Islami E-Savings Account

If you are looking for a convenient way to save and earn interest, Al Islami E-Savings Account is the perfect choice.

Highlights:

• Digital Account Creation
• E-Banking is available
• Attractive Profit Rates

2. Al Islami Savings Account

Al Islami Savings Account is tailored to invest in your long-term future and peace of mind. It will help you plan ahead for your children's education, home purchase, or retirement.

Highlights:

• Minors are eligible
• Multiple currencies are supported
• Attractive Profit Rates

3. Shaatir Savings Account

Open a Shaatir Savings Account today to give your child the start they deserve. Shaatir is the first account designed especially for children. It combines the comfort and security of traditional banking with fun, joy and the purpose building saving. Shaatir savings account aims to help your child develop good money habits from a young age.

Highlights:

• Minors are eligible
• Attractive Profit Rates
• No minimum balance requirement
• Zero maintenance fees

4. Johara Savings Account

Johara Savings Account is designed for the future. With its expected profit, it aims to beat inflation over the long term.

Highlights:

• Minors are eligible
• Attractive Profit Rates
• Multiple currencies are supported

DIB Payroll Accounts

1. Al Islami Payroll Account

Al Islami Payroll Account offers your employees an unmatched banking experience. The account allows for instant online access to a range of a wide range of banking services and beyond.

Highlights:

• Digital Bill Payment
• E-Banking is available
• Mobile Banking is available

DIB Credit Cards

1. The Emirates Skywards DIB Infinite Credit Card

See the world, and earn awards and benefits that make it worthwhile. The Emirates Skywards DIB Infinite Credit Card is packed with exclusive travel benefits that can save you time and money.

Highlights:

• Free Silver membership of Emirates Skywards
• Receive up to 75000 Skywards Miles

2. The Emirates Skywards DIB Signature Credit Card

Do you love to travel? If yes, then don’t miss out on the Emirates Skywards DIB Signature Credit Card that lets you earn miles when you use it for purchases. You can utilise your miles to redeem several travel related benefits. 

Highlights:

• Airport Lounge access to 850+ locations worldwide
• Receive up to 30000 Skywards Miles as bonus

3. The Emirates Skywards DIB Platinum Credit Card

If you're looking for a rewards credit card that will give you more benefits and flexibility, the Emirates Skywards DIB Platinum Credit Card may be the ideal choice for you.

Highlights:

• Transfer one-time purchases to 0% EPP
• Receive up to 5000 Skywards Miles as bonus

4. Consumer Platinum Card

Enjoy a hassle-free shopping experience that helps you save more every day. Now with cashback on all your purchases, the Consumer Platinum Card is the card that helps you earn while you shop.

Highlights:

• Zero minimum balance requirement
• Receive up to 1000 AED per month as cashback 

5. Consumer Reward Card

Introducing the Consumer Reward Card, your easy-to deal-with card for everyday shopping. Packed with great features, this is a card that's designed to make your life easier.

Highlights:

• Zero minimum balance requirement
• Receive up to 1000 AED per month as rewards

6. Prime Infinite Card

The Prime card comes with an exclusive suite of benefits and privileges that gives you infinite rewards, greater savings and more convenience.

Highlights:

• Balance Transfer facility is available
• Travel Privileges
• Lifestyle Privileges
• Purchase Protection

7. Prime Signature Card

Prime Exclusive Card offers you a number of exclusive benefits & services as a DIB customer. It makes your travel experience simpler and helps you to save money.

Highlights:

• Balance Transfer facility is available
• Travel Privileges
• Lifestyle Privileges
• Purchase Protection

8. Prime Platinum Card

Prime Signature Card is an excellent choice for the cardholder who is seeking high-end, sophisticated rewards benefits.

Highlights:

• Balance Transfer facility is available
• Annual fees are waived
• Hotel Privileges
• Cash withdrawal up to 80% limit

9. Prime Gold Card

Prime Gold Card is packed with multiple value-added features and benefits that are guaranteed to delight you. We've taken the time to design solutions that makes owning a credit card breezy and give you complete flexibility.

Highlights:

• Extended Takaful coverage
• Annual fees are waived
• Cash withdrawal up to 80% limit

10. Prime Classic Card

Treat yourself with a little luxury with your DIB Prime Classic Card to enjoy great perks and extra privileges at the world’s best hotels, restaurants and unlimited shopping!

Highlights:

• Balance Transfer facility is available
• Annual fees are waived
• Care Protection Plus Coverage
• Cash withdrawal up to 80% of the card limit

11. Al Islami Gold Premium Credit Card

Maximise your purchasing power and reward yourself with Al Islami Gold Premium Credit Card.

Highlights:

• Credit Shield Takaful
• Annual fees are waived
• Free of RIBA, interest, and any other un-Islamic costs

12. Al Islami Platinum Charge Card

Enjoy easy access to your funds with Al Islami Platinum Charge Card. Designed to make finances convenient and allow you to enjoy increased purchasing power and financial freedom, the card is designed to help you enjoy the finer details in life.

Highlights:

• Worldwide acceptance
• Cash withdrawal limit is 100%
• Free of interest, and any other un-Islamic costs

13. Al Islami Gold Charge Card

With Al Islami Gold Charge Card, you will have the privilege of going beyond everyday banking services and receiving rewards every time you choose to use it.

Highlights:

• Worldwide acceptance
• Cash withdrawal limit is 100%
• Free of interest, and any other un-Islamic costs

14. Al Islami Classic Charge Card

Enjoy convenience and simplicity with the Al Islami Classic Charge Card—from managing your finances to shopping for your favourite things.

Highlights:

• Worldwide acceptance
• Cash withdrawal limit is 100%
• Free of interest, and any other un-Islamic costs

DIB Debit Cards

1. Infinite Debit Card

The Infinite Debit Card was created for the independently spirited DIB customer seeking unlimited possibilities and enhanced financial freedom.

Highlights:

• VISA Advantages
• 100000 AED daily purchase limit
• 75000 AED daily withdrawal limit

2. Signature Debit Card

Your Signature Debit Card is packed with exclusive benefits for your everyday life, and even more perks for when you travel.

Highlights:

• VISA Advantages
• 75000 AED daily purchase limit
• 35000 AED daily withdrawal limit

3. Platinum Debit Card

Platinum Debit Card is designed to give you the freedom and convenience of using your money when and how you choose.

Highlights:

• VISA Advantages
• 50000 AED daily purchase limit
• 35000 AED daily withdrawal limit

4. Al Islami Classic Debit Card

The Al Islami classic debit card gives you a host of convenient features to help you manage your cash and enjoy effortless banking.

Highlights:

• Enhanced Security Benefits
• 40000 AED daily purchase limit
• 10000 AED daily withdrawal limit

5. Johara Debit Card

Johara is the smart, simple way for every woman to manage her finances so that she can make the choices that matter to her. This women-special card comes with a host of benefits as explained below.

Highlights:

• Enhanced Security Benefits
• AED 40000 daily purchase limit
• AED 10000 daily withdrawal limit

DIB Deposits

1. Advance Profit Payment Wakala

Maximize your profits and your savings with Advance Profit Payment Wakala.

Highlights:

• Minimum Deposit amount is AED 250000 
• Expected Profit for a tenure of 12 months is AED 3875 

2. Maximiser Wakala Deposit

Build your savings over time and meet your financial goals faster. Maximiser Wakala Deposit is a short-term deposit plan that helps you save faster.

Highlights:

• Minimum Deposit amount is AED 10000 
• 12 months fixed deposit tenure
• Only AED is supported

3. Long-term Wakala Deposit (5 years)

The Long-Term Wakala Deposit is ideal for investors with a longer investment goals.

Highlights:

• Minimum Deposit amount is AED 25000 
• 5 years fixed deposit tenure
• Zero account maintenance charges
• Reinvestment option is available

4. Monthly Payment Wakala Deposit

The Monthly Payment Wakala Deposit Scheme is a program designed to help you achieve your goals, dreams and aspirations by rewarding you with expected monthly profits on your deposit payment.

Highlights:

• Minimum Deposit amount is AED 10000 
• Monthly payments
• Only AED is supported

5. Long-Term Wakala Deposit (3 years)

Long-Term Wakala Deposit is your route to a more secure future. Commit to placing funds on deposit for a pre-specified period and benefit from a higher return rate.

Highlights:

• Minimum Deposit amount is AED 25000 
• 3 years fixed deposit tenure
• Zero account maintenance charges
• Reinvestment option is available

6. Recurring Wakala Deposit

Wakala Deposit is a revolutionary fixed monthly savings product that allows you to grow your savings over time, in a systematic and disciplined manner.

Highlights:

• Minimum Deposit amount is AED 1000 per month
• Flexible Tenures

7. USD Wakala Deposit

For customers looking for higher profits from their investments in dollars, USD Wakala Deposit offers just that.

Highlights:

• Minimum Deposit amount is USD 5000 
• Flexible deposit tenure
• Pay-out of Profit on Maturity
• High Expected Profits

8. Retail Wakala – AED

For long term investments, you need options where your money will be at work for you. Retail Wakala is a great option in this regard.

Highlights:

• Minimum Deposit amount is AED 25000 
• Zero account maintenance charges
• Reinvestment option is available

9. Al Islami Investment Deposit

Al Islami Investment Deposit provides competitive projected profit rates as well as varied tenures to guarantee that you get the finest investment choices for your requirements.

Highlights:

• Minors are eligible to open an account
• Enhanced profit rates
• Multiple currencies are supported

DIB Investment Solutions

1. Sukuk

DIB helps you manage your Sukuk accounts ideally and ensures that returns are nothing but glorious. The London-based Sukuk trading desk of Dubai Islamic Bank provides customers has access to a diverse variety of fixed income products in regional, local, and worldwide markets. They are completely Sharia-compliant.

2. Mutual Funds

Your search for a Sharia-compliant mutual fund is over. Dubai Islamic Bank provides a diverse selection of investment alternatives across asset classes to assist you in achieving your particular financial objectives according to your risk tolerance. You can also be certain that all investments are managed by Fund Managers with balanced experience and expertise.

3. Share Trading

Whether you're trading your first shares or looking to expand your portfolio, Dubai Islamic Bank can help. The bank offers brokerage services for dealing in local stocks through its wholly-owned subsidiary, Dubai Islamic Bank Share Trading.

4. Investment Product Finance

DIB wealth management offers a range of financial products for individuals and corporate clients. Our first priority is always to find a solution that is right for our customers.

5. Foreign Exchange

For Wealth Management clients, the Dubai Islamic Bank Foreign Exchange department offers 'buy and sell' solutions for key foreign currencies at affordable prices. Chat with the relationship manager about obtaining a special rate.

DIB Car Finance

1. Al Islami Auto Finance

Al Islami Auto Finance has revolutionized the auto-finance industry by offering its customers the finest services with a wide range of flexible products combined with a positive attitude. 

Highlights:

• Minimum salary requirement is 3000 AED
• Both new and used cars are available
• Flexible tenure up to 2 months

2. Auto Ijara

Auto Ijara is a new, smart and secure solution that offers you the convenience of cash against the value of your car.

Visit our banking section to know more about Dubai Islamic Bank Auto Ijara today!

Highlights:

• Minimum salary requirement is 3000 AED
• Receive up to80% of your car value as finance amount
• Flexible tenure up to 2 months

3. Auto Takaful

A comprehensive solution for your essential auto protection needs, DIB Auto Takaful is the perfect way to welcome your new car home. 

Highlights:

• 24/7 recovery and claim process
• Agency repair tenure of 3 years
• 13-month long coverage

Home Finance

1. First Step Qualified

First Step Qualified is your guide to owning a home faster. It's more than just getting pre-approved for a mortgage, it's an education in the process and an invitation from DIB to help you along every step of the way.

Highlights:

• Free Application
• Instant Approval
• Quick and Hassle-free Documentation and Application Procedures
• Anytime and anywhere application

2. MyHome

MyHome is a revolutionary home financing platform designed to help you simplify the process of getting your dream home.

Highlights:

• Flexible EMI amounts
• Budgets your extra expenses

3. First Time Buyers

Homeownership can be a dream for many people. Obtaining this dream can however be expensive in a country like the UAE. This is where the First Time Buyer's Plan comes in and helps you by providing solutions.

Highlights:

• Profit Rates starting from 2.49%
• Salary Transfers are not required
• Flexible tenure ranging up to 25 years
• Financing of up to 85% for Emirati nationals
• Financing of up to 80% for expatriates

4. Non-Resident Program

Open up a world of possibilities with DIB non-resident home loan program.  It's never been easier to find your perfect UAE home than with Non-Resident Program from DIB.

Highlights:

• Quick processing procedures
• Attractive profit rates
• Enhanced finance amounts
• Flexible repayment tenure

5. Existing Home Owners

Existing Home Owners plan helps you to declare your style with a new faucet for the kitchen sink, or replace the old and worn windows with new ones. Whatever your desire, make it happen with the Existing Home Owners plan.

Apply for an Existing Home Owners loan today!

Highlights:

• Attractive profit rates starting from 2.49%
• Salary Transfers are not required
• Flexible repayment tenure ranging up to 25 years
• Financing of up to 85% for Emirati nationals
• Financing of up to 80% for expatriates

6. Government Housing Schemes

Whether you’re buying your first home or moving back in with the kids, the government housing schemes will help you find a perfect home.

Visit Policybazaar.ae’s home loans section to apply for Government Housing Scheme Finance!

Highlights:

• Attractive profit rates starting from 3.25%
• Quick Processing procedures
• Flexible repayment tenure ranging up to 25 years
• Both self-construction and ready to move in houses are provided.

7. Commercial Property Finance

DIB assist you in financing the property that best matches your requirements with its Commercial Property Finance plan.

Highlights:

• Attractive profit rates 
• Financing of up to 85% of the property’s value
• Quick Processing procedures
• Flexible repayment tenure ranging up to 15 years

8. After Sale Service

DIB’s after sale services aim to ensure that you not only experience zero inconvenience while buying your new home but also continue to live without troubles afterwards. 

Highlights:

• Various requests are welcomed
• Staff with relevant experience
• Multiple Channels

DIB Personal Finance

1. Basic Personal Finance

Basic Personal Finance is a smart option to help you take control of your finances, purchase your dream car, or finance your business.  

Let us help you get the loan you need! Visit Policybazaar.ae’s personal loan page to apply for your basic personal loan.

Highlights:

• First EMI Instalment can be postponed up to 4 months
• Enhance loan amount up to AED 4 million
• Additional finance can be offered 

2. Liabilities Settlement Finance

Finding ways to settle your liabilities is never easy, but DIB Liabilities Settlement Finance is a hassle-free way of settling them efficiently. 

You can apply instantly for a personal loan from Dubai Islamic Bank via Policybazaar.ae.

Highlights:

• First EMI Instalment can be postponed up to 4 months
• Enhance loan amount
• Attractive profit rates
• Reduced payments per month

3. Liability Consolidation Finance

You will benefit highly from DIB’s quick processing and an attractive rate of profit with their Liability Consolidation Finance solution.

Highlights:

• First EMI Instalment can be postponed up to 4 months
• Simple Documentation procedures
• Attractive profit rates

4. Goods Murahaba

With Goods Murabaha, you can plan ahead and experience a financial solution that complements your financial decisions.

Highlights:

• First EMI Instalment can be postponed up to 4 months
• Simple Documentation procedures
• Attractive profit rates

5. Services Ijarah

All you require is the correct financial strategy to take the jump into your future. Services Ijarah offers exactly that!

Highlights:

• Personal Service Finance
• Simple Documentation procedures

DIB Smart Banking Solutions

Dubai Islamic Bank is dedicated to providing the highest level of service to its customers. That's why, whether you want to manage your money or borrow it, DIB has a variety of smart banking solutions that put the power back in your hands.

• 24/7 Account Access
• Simple Documentation Procedures
• Smartphone Banking
• SMS Banking
• Digital Banking
• E-Statement Facility
• Call Banking
• USSD Services
• Alternative Payment Options
• ATMs
• CCDMs

DIB Emirati Banking

1. Family Banking Package

Enjoy multiple exciting features to keep your family connected and your money secure with DIB Family Banking Package.

2. Salaried Emiratis Banking Package

With DIB’s Salaried Emirati Banking Package, your professional growth is matched with banking solutions that align with your ambition.

3. First Employment Banking Package

The First Employment banking package is the perfect first step to a banking relationship that will last you a lifetime. It is designed keeping the individual needs of every customer in mind, giving you access to a wide range of free products and services that will help you get your career off to the right start.

DIB Wajaha Private Banking

The Wajaha private banking offers customer experience that is meticulously crafted with astute attention to detail.

Highlights:

• Banking Privileges Across the Board 
• Exclusive Phone Banking Service
• Customisable Unique Banking Assistance

DIB Aayan Exclusive Banking

Aayan Exclusive Banking is a high-touch, personalized service that provides unrivalled competence and experience in serving your banking and financial management requirements.

Highlights:

• Banking privileges across the board 
• Advance monthly income is provided
• Customisable unique banking assistance

DIB Mumayyaz Privilege Banking

Mumayyaz Privilege Banking is a unique package offering true customer privileges. It provides an extensive set of services that would complete your banking, investment and finance requirements. Designed to be all that you need, Mumayyaz Privilege Banking is your Total Financial Solution.

Highlights:

• Customisable Unique Banking Assistance

Awards and Achievements of Dubai Islamic Bank

Dubai Islamic Bank Contact Number 

FAQ's