DIB Consumer Cashback Platinum Card
Guaranteed 4% cashback on everyday spends
at Dubai Islamic Bank's secure site
Terms & conditions apply. See rates & fees.
Cashback rate
"Most 'up to 4%' cards bury the real rate in tiers; this one genuinely pays 4% on seven household categories and tells you the caps up front. The honesty cuts both ways — spend under 4,000 in a cycle and you get nothing, and the best caps shrink in October 2026. For a disciplined family budget it's excellent; for casual swiping it's pointless."
Earning guaranteed cashback
The card pays a flat 4% on seven everyday categories: supermarket and hypermarket purchases (capped 400/month), automobile servicing ( 400), Etisalat and du bills ( 150), fuel ( 150), utility bills ( 150), Salik and Nol recharges ( 50) and school fees ( 400). Total cashback is capped at 1,000 per billing cycle, and from 10 October 2026 the supermarket and school-fee caps drop to 300 each.
Two gates matter: you need 4,000+ of retail purchases in a statement cycle to earn anything at all, and cashback applies to UAE transactions only. Bills paid through DIB's own platforms, charity, crypto, wire transfers and other quasi-cash transactions never earn. There's no points programme here — cashback is the whole story, which is exactly what makes it easy to value.
Rates and fees
- Annual fee
- 261.45 including VAT ( 249 + VAT) — first year free under the current limited-time offer
- Profit rate
- Up to 3.69% per month (Salam-based monthly rate) on unsettled balances — no interest is charged
- Minimum salary
- 15,000 per month
- Cashback qualifier
- Minimum 4,000 retail spend per statement cycle; cashback capped at 1,000 per cycle
- International usage fee
- 3.70% on non- transactions; 3.14% even on -denominated transactions processed abroad
- Cash withdrawal fee
- 3.15% of the transaction amount
- Late payment
- 236.25 charity donation per instance (routed to charity under Sharia supervision, not a bank fee)
- Minimum payment
- 5% of the principal balance or 100, whichever is higher
- Supplementary cards
- Free
Rates verified against DIB's Schedule of Charges for cards (effective 11 August 2026) and the DIB Covered Cards Key Facts Statement (Aug 2026); all amounts include 5% VAT. Always confirm on dib.ae before applying.
Card benefits
1,000 monthly ceiling
Guaranteed 4% across seven categories can stack up to 1,000 back per billing cycle — DIB even publishes a worked example reaching it.
US$ 100,000 travel takaful
Travel and medical coverage up to US$ 100,000 when you book flights on the card — for you, your spouse and up to 4 children under 18.
Roadside assistance
Complimentary roadside assistance up to twice a year — towing, battery boost, flat tyre, fuel delivery — plus a free international driving licence.
Credit Shield Takaful
Optional cover at 0.94% of the outstanding per month: 200,000 for death or permanent total disability, 30,000 for involuntary job loss.
Balance transfer facility
Move other banks' card balances to the card via online or mobile banking — no documentation required.
Sharia-compliant structure
A Salam-based covered card from the world's first Islamic bank — no interest, and late payments become charity donations under Sharia supervision.
Pros and cons
- Guaranteed 4% cashback on supermarkets, fuel, telecom and utility bills, Salik/Nol recharges, car servicing and school fees
- High combined ceiling: up to 1,000 cashback per billing cycle
- First year free under the current limited-time offer, then a modest 261.45 a year
- Fully Sharia-compliant Salam-based covered card — late payment is a charity donation, not bank income
- Travel and medical takaful cover up to US$ 100,000, plus free roadside assistance and a free international driving licence
- You must spend at least 4,000 on retail in a statement cycle to earn any cashback at all
- Cashback only applies to the seven listed everyday categories, and only on UAE transactions
- Per-category caps bite: supermarket and school-fee caps drop from 400 to 300 in October 2026
- 15,000 minimum salary — triple the Consumer Reward card's requirement
- High 3.70% international usage fee, and bills paid via DIB's own platforms earn nothing
Is it right for you?
Get this card if
- Your household reliably spends 4,000+ a month on groceries, fuel, bills, school fees and the car.
- You earn 15,000+ and want guaranteed cashback, not points math.
- You want a Sharia-compliant card whose rewards are simple .
Consider skipping it if
- Your monthly card spend can dip below 4,000 — those months earn nothing.
- Most of your spending is dining, shopping or travel — none of it earns here.
- You spend abroad often — cashback is UAE-only and the 3.70% international fee hurts.
Alternatives to consider
The same guaranteed-cashback formula at 3% from an 5,000 salary, with a lower 3,000 spend gate.
Best cashback cards →
DIB's SHAMS Signature layers dining and travel returns with lifestyle perks like lounge access on an Islamic card.
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Emirates Islamic's Amazon card pays its best rates on Amazon.ae and online spend — the categories this card ignores.
Best online shopping cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
How much cashback does the DIB Consumer Cashback Platinum Card earn?+
A guaranteed 4% on seven everyday categories: supermarket and hypermarket purchases, automobile servicing, Etisalat and du bill payments, fuel, utility bills, Salik and Nol recharges, and school fees. Each category has its own monthly cap, and total cashback is capped at AED 1,000 per billing cycle.
Is there a minimum spend to earn cashback?+
Yes. Effective 10 May 2025, you must make at least AED 4,000 of retail purchases within a statement cycle to be eligible for cashback that month.
What is the annual fee?+
AED 249 excluding VAT (AED 261.45 including 5% VAT) per year. Under the current limited-time offer, the first year is free.
What is the minimum salary?+
AED 15,000 per month, as stated on DIB's card page.
What are the monthly cashback caps per category?+
Supermarkets AED 400, automobile servicing AED 400, Etisalat/du bills AED 150, fuel AED 150, utility bills AED 150, Salik/Nol recharges AED 50 and school fees AED 400. From 10 October 2026, the supermarket and school-fee caps drop to AED 300 each. The overall cap is AED 1,000 per billing cycle.
Does cashback work on spending abroad?+
No — cashback applies to transactions made in the UAE only. Foreign spending also attracts a 3.70% international usage fee.
Is the card Sharia-compliant?+
Yes. DIB is a fully Islamic bank and the card is a Salam-based covered card approved by the bank's Internal Sharia Supervision Committee. No interest is charged — and if you pay late, you commit to a charity donation of AED 236.25 rather than paying a penalty to the bank.
Which transactions never earn cashback?+
Utility and government bills paid through DIB's own platforms, foreign-currency and travellers' cheque purchases, money orders, deposits, cryptocurrency, prepaid cards with cash access, wire transfers, account funding, charity payments, and any other categories defined by Visa/Mastercard.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.