Emirates Skywards DIB Signature Credit Card

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In July 2018, Dubai Islamic Bank (DIB) and Emirates Skywards together launched co-branded Emirates Skywards DIB Signature Credit Card to help the community of frequent flyers and travellers in the UAE save big on travel expenses by earning Skywards Miles. Ever since its launch, Emirates Skywards DIB Signature Credit Card has consistently ranked alongside some of the UAE’s bestselling credit cards. 

Packed with a wide range of exclusive benefits and ground-breaking features, Emirates Skywards DIB Signature Credit Card makes for the best bet for both business frequent flyers and occasional travellers who are often to be seen looking for discount deals to save money on their air travel. In addition to the exclusive travel deals, the credit card also offers year-round dining privileges, complimentary airport lounge access, complimentary travel insurance and much more. With so much and more on offer, it’s hardly surprising why Emirates Skywards DIB Signature Credit Card remains a revered commodity amongst credit card seekers in the UAE region.

Features & Benefits of Emirates Skywards DIB Signature Credit Card

Emirates Skywards DIB Signature Credit Card comes loaded with multiple, lucrative benefits and innovative features to help card members make the most of every spend put on the card.

Here’s a list of key features & benefits of Emirates Skywards DIB Signature Credit Card:

Airport Lounge Access

The primary card member can enjoy the unlimited free access to more than 850 airport lounges across the globe through LoungeKey.

0% Easy Payment Plan (EPP) with Emirates

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

International Concierge Services

Emirates Skywards DIB Signature Credit Card entitles its card members to enjoy the top-class customer service any time, any day of the week wherein they will have access to plenty of services such as limousine transfers, flight booking, hotel reservations, and much more via a dedicated numbers of global toll-free numbers.

Free Travel insurance

The cardholders can get a complete peace of mind while travelling with an insurance cover a maximum of 500,000 USD on local as well as international trips that includes lost or stolen money or baggage, medical expenditures, delayed departure, legal expenses, personal liability, repatriation/hospital expenditures.

Visa Luxury Hotel Offers

Emirates Skywards DIB Signature Credit Card members can enjoy exclusive luxury hotel offers from VISA. This benefit ensures that card members get to enjoy bespoke, luxury offers at over 900 luxury hotels worldwide. Here’s a list of some of the many VISA privileges available for card members:

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

Free Valet Parking

Members of the Emirates Skywards DIB Signature Credit Card can enjoy 3 free valet parking services every month at some of the selected locations. Here’s a list of locations where card members can enjoy this free facility:

  • Wafi City, Dubai
  • American Hospital, Dubai
  • Oasis Centre, Dubai
  • Ibn Battuta Mall, Dubai
  • Dubai Courts, Dubai
  • Dubai International Airport - Terminal 1 & 3
  • Yas Mall, Abu Dhabi
  • Marina Mall, Abu Dhabi
  • Khalidiya Mall, Abu Dhabi

Roadside Assistance

Members of this DIB credit card can enjoy one additional Roadside Assistance on the charge of upgrade fee. However, this service is capped at 3 times in 1 year.

Balance Transfer Facility

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

Medical and Legal Referral

This unique benefit ensures complete peace of mind for the card members whether they are in the UAE region or are travelling abroad since it provides medical assistance wherever they go. The medical and legal referral services offered by the Emirates Skywards DIB Signature Credit Card include:

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

Global Customer Assistance Services (GCAS)

In an endeavour to ensure complete protection and round-the-clock assistance for card members, Emirates Skywards DIB Signature Credit Card provides its users with access to its world famous Global Customer Assistance Services. These services include:

  • Lost or Stolen Card Reporting
  • Emergency Card replacement
  • Emergency Cash disbursement

365 Days Purchase Protection

The Emirates Skywards DIB Signature Credit Card safeguards the purchases against theft & accidental damage for a time period of one year.

Extended Warranty

The Emirates Skywards DIB Signature Credit Card provides its cardholder an extended warranty on their purchases which automatically doubles the manufacturer’s warranty for a maximum of one year against mechanical breakdown or new electrical household items.

Cash Withdrawal

Card members are allowed to withdraw cash a maximum of 80% of the available credit limit anywhere across the globe in times of financial needs. In addition to this, they can also transfer cash immediately from their card to the DIB account through online banking.

Visa PayWave

This DIB credit card is enabled with the Visa payWave technology that let the cardholders to shop securely and safely. All they just need to hold this DIB credit card in front of the card reader at the checkout counter. Then, their transaction will be processed within a matter of few seconds only.

Chip and PIN Security

This card comes with an embedded micro chip that offers extra security against duplication of the card. It also requires an extra layer of security in the form of personal identification number. Meaning that, you will be required to enter a four digit PIN on the terminal for completing the transaction at merchant outlets.

Payments

Card members can make the Emirates Skywards DIB signature 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 Signature Credit Card Rewards & Offers

Card members can enjoy the following rewards and offers:

Bonus Skywards Miles

Members of the Emirates Skywards DIB Signature Credit Card can earn a maximum of 30,000 Bonus Skywards Miles. These miles are provided to the cardholders upon the card activation and for balance transfers.

  • 15,000 Bonus Skywards Miles upon the activation of the card.
  • 15,000 Bonus Skywards Miles upon balance transfer.

Skywards Miles Reward Program

Emirates Skywards DIB Signature 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 signature Credit Card members:

  • The card member can earn 1.5 Skyward Miles on all Emirates spends.
  • The card member can earn 1 Skyward Miles on all foreign currency spends.
  • The card member can earn 0.75 Skyward Miles on all local currency spends.

Exclusive Dining Offers

Card members can enjoy 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 Signature Credit Card

Here’s a list of the eligibility criteria requirements for Emirates Skywards DIB Signature Credit Card: 

Minimum Salary Requirement AED 15000
Residential Eligibility UAE residence Visa

Fees and Charges on Emirates Skywards DIB Signature Credit Card

Here’s the schedule of charges for Emirates Skywards DIB Signature Credit Card:

Fees and Charges Amount
Annual Membership Charges AED 1575
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 Signature Credit Card

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

Ans: The applicant must have a minimum monthly income of AED 15,000 to be eligible for this DIB credit card.

Q2: When will I get the Bonus Skyward Miles?

Ans: The bonus Skywards Miles will be credited into your credit card account within only 48 hours of the card activation.

Q3: How many free valet parking facilities are offered on this DIB credit card?

Ans: You can enjoy 3 free valet parking services per month at selected locations in Dubai and Abu Dhabi.

Q4: What are the cash advance charges?

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

Q5: What is the annual membership fee for supplementary cards?

Ans: There is no annual fee levied on the supplementary credit cards.