Dubai Islamic Bank (DIB) Credit Cards

Minimum Salary
0,00 د.إ

Description

Dubai Islamic Bank’s Sharia-compliant credit cards span basic cashback, rewards, and co-branded travel options. They feature uniform profit rates, clear fee schedules, transparent eligibility criteria, and straightforward documentation. Select a card based on your spend patterns—everyday, lifestyle, or travel—to maximize returns and privileges.

Features

Card Summary

Card Name	Min. Income (AED)	Annual Fee (AED)†	Profit Rate (Murabaha/month)	Interest-Free Period	Min. Spend for Fee Waiver / Bonus
Covered Blue	5,000	0	1.99%	Up to 55 days	N/A
Covered Silver	10,000	250	1.99%	Up to 55 days	AED 25,000 annual spend to waive AED 250 fee
Covered Gold	15,000	500	1.99%	Up to 55 days	AED 50,000 annual spend to waive AED 500 fee
Covered Platinum	25,000	1,000	1.99%	Up to 55 days	AED 100,000 annual spend to waive AED 1,000 fee
Siasa Reward	10,000	0	1.99%	Up to 55 days	N/A
Etihad Guest Infinite	25,000	2,000	1.99%	Up to 55 days	AED 50,000 annual spend for 10,000 bonus miles
Etihad Guest Signature	15,000	1,000	1.99%	Up to 55 days	AED 25,000 annual spend for 5,000 bonus miles

† Annual fees inclusive of VAT.

Detailed Schedule of Fees

Fee Type	Amount
Late Payment Fee	AED 150
Overlimit Fee	AED 250
Cash Advance Fee	3% of amount (min AED 100)
Foreign Currency Transaction Fee	2.5%
Balance Transfer Fee	1% of amount (min AED 100)
EasyPay Plan Foreclosure Fee	AED 200 per transaction
Duplicate Statement Fee	AED 30
Copy of Sales Voucher	AED 30
Card Replacement Fee	AED 75
PIN Replacement Fee	AED 25
Temporary Credit Increase Fee	AED 50
Returned Cheque Fee	AED 100
Minimum Payment Due	5% of statement balance or AED 100 (whichever higher)
Credit Shield Takaful (optional)	1% of outstanding balance

Eligibility Criteria

Applicants must:

Be 21–65 years old
Hold a valid UAE residence visa and Emirates ID
Earn the minimum monthly income as per card tier
Maintain salary transfer facility to DIB (for Covered cards) or demonstrate consistent income for non-payroll cards
Have a clean credit profile without defaults

Documents Required

Passport copy with valid UAE residency visa page
Emirates ID (front and back)
Salary certificate and employment contract (for payroll cards)
Last 3 months’ bank statements
Salary transfer mandate (payroll cards) or audited financials (self-employed applicants)

Additional Info

Covered Series (Blue/Silver/Gold/Platinum)

Reward Structure: 1 DIB Rewards Point per AED 1 spent locally; 2 points per AED 1 abroad
Points Redemption: Flights, hotel stays, gift vouchers, cashback, statement credit
Fee Waiver: Annual spend thresholds to waive respective tier fees
0% EasyPay Installments: Convert purchases into 3/6/9-month plans at 0% profit

Siasa Reward

Unlimited 1% Cashback on all retail spends
No Annual Fee or spend threshold
Instant Digital Issuance via the DIB app
Flexible Repayment: Full or minimum payment options

Etihad Guest Cards

Welcome Bonus Miles: 10,000 (Signature) / 20,000 (Infinite) on card issuance
Bonus Miles on Spend: 5,000 quarterly on AED 25,000 (Signature); 10,000 quarterly on AED 50,000 (Infinite)
Lounge Access: Four visits/year (Signature); six visits/year (Infinite) via Priority Pass
Tier Fast-Track: Silver (Signature) / Gold (Infinite) status in Etihad Guest
Travel Insurance: Up to USD 500,000 coverage
Concierge & VIP Offers: Dedicated travel concierge and partner hotel discounts