Emirates Skywards DIB Platinum Credit Card

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Expats from more than 200 countries make for the largest share of UAE’s population. A report published at Guide2Dubai reveals that expats contribute to a population share of 7.8 million. Yet another report reveals that more than 67% of the UAE’s expat population flies at least once to their home countries each year.

In order to tap into the fairly larger pool of frequent flyers and travellers in the UAE, one of the region’s largest Islamic banking institutions, Dubai Islamic Bank (DIB) joined forces with UAE’s best frequent flyer program, Emirates Skywards to offer Emirates Skywards DIB Platinum Credit Card packed with a wide range of benefits and ground-breaking features.

Launched in July 2018, Emirates Skywards DIB Platinum Credit Card helps card members earn exclusive ‘Skywards Miles’ for every dirham they spend on the card. The card promises an ocean of benefits including exciting dining offers, VISA luxury hotel offers, roadside assistance, etc. Quite expectedly, Emirates Skywards DIB Platinum Credit Card constantly tops all popularity charts when it comes to naming the bestselling credit cards in the UAE region.  

Features & Benefits of Emirates Skywards DIB Platinum Credit Card

Emirates Skywards DIB Platinum Credit Card is amongst premium credit cards in the UAE. This credit card has been carefully designed and thoughtfully conceptualized to provide card members with tons of features and benefits.

Let’s check out some of the key features & benefits of the Emirates Islamic DIB Skywards Platinum Credit Card:

0% Easy Payment Plan (EPP) with Emirates

The cardholders can enjoy the facility of 0% easy payment plan where they can buy Emirates tickets to any destination through the Emirates.com using this DIB credit card and convert the transaction into monthly instalments at 0% profit rate.

Visa Luxury Hotel Offers

Emirates Skywards DIB Platinum Credit Card makes it easy for card members to enjoy bespoke, luxury VISA privileges at more than 900 luxury hotels across the globe. These VISA privileges include:

  • Complimentary FnB vouchers worth US$25
  • Late Check-outs
  • Preferential prices
  • Free Room Upgrades
  • Free Internet
  • Free Breakfast
  • VIP Guest Status

Roadside Assistance

Emirates Skywards DIB Platinum Credit Card members can get one additional Roadside Assistance service on the charge of upgrade fee. However, this service is capped at 3 times in 1 year.

Balance Transfer Facility

Cardholders can transfer their other bank’s credit card outstanding balance to the Emirates Skywards DIB Platinum Credit Card at low profit rate. With this, the cardholders can save more on unnecessary charges with no documentation needed.

Medical and Legal Referral

Emirates Skywards DIB Platinum Credit Card provides its cardholders medical and legal assistance anywhere in the world. These services include:

  • Telephonic Medical Advice
  • Medical Referral
  • Pre and Post hospitalization Care
  • Medicine as well as equipment delivery
  • Medical evacuation
  • Repatriation
  • Legal referral
  • Interpreter referral
  • Dispatch of physician to the card member’s location

Global Customer Assistance Services (GCAS)

This is yet another revolutionary benefit that makes Emirates Skywards DIB Platinum Credit Card so popular in the UAE region. GCAS services offered by this card include:

  • Reporting of Lost or Stolen Card
  • Emergency Card replacement
  • Emergency Cash Disbursement for up to US$5,000

365 Days Purchase Protection

Emirates Skywards DIB Platinum Credit Card makes it easy for card members to protect their purchases made on the card against theft or accidental damage with purchase protection plan for up to 1 year.

Extended Warranty 

Emirates Skywards DIB Platinum Credit Card also offers card members with an extended warranty for eligible purchases made on the card. Meaning that, it automatically doubles the manufacturer’s warranty for a maximum of one year against mechanical breakdown or new electrical household items.

Cash Withdrawal

Members of this DIB credit card can withdraw cash a maximum of 80% of the available credit limit anywhere across the globe in times of financial emergency. Also, they can also transfer cash immediately from their card to the DIB account through online banking.

Visa PayWave

Emirates Skywards DIB Platinum Credit Card is enabled with the Visa payWave technology that let its card members to shop securely and safely. All they just need to hold this card in front of the card reader at the checkout counter. Afterwards, their transaction will be processed in a few seconds only.

Chip and PIN Security

Emirates Skywards DIB Platinum Credit Card comes with an embedded micro chip that provides extra layer of security against duplication of the card. It also requires an additional security in terms of personal identification number (PIN). Meaning that, you will be required to enter a 4 digit PIN on the terminal for completing the transaction at merchant outlets.

Payments

Card members can make the Emirates Skywards DIB Platinum Credit Card payment using any of the below-mentioned payment gateways:

  • Online banking
  • Phone banking
  • Account transfers
  • Bank branches
  • DIB cash and Cheque Deposit Machines

Emirates Skywards DIB Platinum Credit Card Rewards & Offers

Card members can enjoy the following rewards and offers:

Bonus Skywards Miles

Emirates Skywards DIB Platinum Credit Card members can earn a maximum of 5,000 Bonus Skywards Miles.

Skywards Miles Reward Program

Emirates Skywards DIB Platinum Credit Card members are entitled to the reward program where they can earn Skywards Miles for every equivalent USD spent across all categories. And then, they can spend the accumulated miles with Emirates and a wide range of selected partners to make their travel more rewarding. Listed below is the reward rate for Emirates Skywards DIB Platinum Credit Card members:

  • The card member can earn 1 Skyward Miles on all Emirates spends.
  • The card member can earn 0.75 Skyward Miles on all foreign currency spends.
  • The card member can earn 0.5 Skyward Miles on all local currency spends.

Dining Offers

Members of this DIB credit card can get 25% off on online orders made through Zomato throughout the UAE. In order to avail this exclusive dining discount, the card member can use the DIBEK- promo code at checkout.

Eligibility Criteria to Apply for Emirates Skywards DIB Platinum Credit Card

Listed below are the eligibility criteria for Emirates Skywards DIB Platinum Credit Card:

Minimum Salary Requirement AED 5000
Residential Eligibility UAE residence Visa

Fees & Charges on Emirates Skywards DIB Platinum Credit Card

Check out the schedule of charges for Emirates Skywards DIB Platinum Credit Card:
Fees and Charges Amount
Annual Membership Charges AED 525
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 27, 2020)

Frequently Asked Questions on Emirates Skywards DIB Platinum Credit Card

Q1: What is the minimum monthly income required to be eligible for the Emirates Skywards DIB Platinum Credit Card?

Ans: The applicant must have a minimum monthly income of AED 5,000 to be eligible for this DIB credit card.

Q2: What is the annual membership fee for supplementary cards?

Ans: There is no annual fee levied on the supplementary Emirates Skywards DIB Platinum Credit Card.

Q3: What is the cash advance fee charged on this card?

Ans: The bank levies AED 94.50 on cash advance transactions.

Q4: Are there any charges levied on using the Emirates Skywards DIB Platinum Credit Card outside UAE?

Ans: Yes, Dubai Islamic Bank levies international transaction charges of 2.26% of the transaction amount.

Q5: Can I avail the balance transfer facility on this DIB credit card?

Ans: Yes, you can avail the balance transfer facility on this card to save more on unnecessary charges.