DIB Consumer Cashback Reward Card
Guaranteed 3% cashback from an 5,000 salary
at Dubai Islamic Bank's secure site
Terms & conditions apply. See rates & fees.
Cashback rate
"At an 5,000 salary, a guaranteed 3% on groceries, fuel and bills is about as good as UAE cashback gets — no tiers, no 'up to'. The caps are tight and the 3,000 monthly gate is unforgiving, so this is a card you commit your essentials to, not one you leave in a drawer."
Earning guaranteed cashback
The card pays a flat 3% on seven everyday categories: supermarket and hypermarket purchases (capped 300/month), automobile servicing ( 300), Etisalat and du bills ( 100), fuel ( 100), utility bills ( 100), Salik and Nol recharges ( 25) and school fees ( 300). Total cashback is capped at 1,000 per billing cycle, and from 10 October 2026 the supermarket and school-fee caps drop to 200 each.
Two gates matter: you need 3,000+ of retail purchases in a statement cycle to earn anything, 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. No points, no catalogue — the reward is , which makes the value easy to check on every statement.
Rates and fees
- Annual fee
- 210 including VAT ( 200 + 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
- 5,000 per month
- Cashback qualifier
- Minimum 3,000 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
Cashback on real life
Groceries, fuel, phone and utility bills, Salik/Nol, car servicing and school fees — the seven categories where household money actually goes.
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 3% cashback on supermarkets, fuel, telecom and utility bills, Salik/Nol recharges, car servicing and school fees
- Accessible 5,000 minimum salary — rare for a dedicated cashback card
- First year free under the current limited-time offer, then a modest 210 a year
- Lower 3,000 monthly spend gate than the Platinum version's 4,000
- Fully Sharia-compliant, with US$ 100,000 travel takaful and free roadside assistance thrown in
- No cashback in any month you spend under 3,000 on retail
- Cashback only on the seven listed categories, and only on UAE transactions
- Tight per-category caps — Salik/Nol maxes out at 25, and supermarket/school caps drop to 200 in October 2026
- High 3.70% international usage fee on non- spend
- Up to 3.69% monthly Salam profit rate if you don't settle in full
Is it right for you?
Get this card if
- You earn 5,000–15,000 and want guaranteed cashback on essentials.
- Your card spend reliably clears 3,000 a month on groceries, fuel and bills.
- You want a Sharia-compliant card whose value shows up in on every statement.
Consider skipping it if
- Your monthly spend often dips below 3,000 — those months earn nothing.
- You earn 15,000+ — the Consumer Cashback Platinum pays 4% with higher caps.
- Your spending is mostly dining, shopping or foreign travel — none of it earns here.
Alternatives to consider
The Platinum version pays 4% with higher per-category caps for 261.45 a year — first year free too.
Best cashback cards →
No annual fee ever and no spend gate — you give up cashback for Wala'a Rewards, but nothing is wasted in light months.
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Emirates Islamic's Amazon card rewards Amazon.ae and online spend — categories this card doesn't cover.
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Frequently asked questions
How much cashback does the DIB Consumer Cashback Reward Card earn?+
A guaranteed 3% 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 a 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 3,000 of retail purchases within a statement cycle to be eligible for cashback that month.
What is the annual fee?+
AED 200 excluding VAT (AED 210 including 5% VAT) per year. Under the current limited-time offer, the first year is free.
What is the minimum salary?+
AED 5,000 per month, as stated on DIB's card page.
What are the monthly cashback caps per category?+
Supermarkets AED 300, automobile servicing AED 300, Etisalat/du bills AED 100, fuel AED 100, utility bills AED 100, Salik/Nol recharges AED 25 and school fees AED 300. From 10 October 2026, the supermarket and school-fee caps drop to AED 200 each. The overall cap is AED 1,000 per billing cycle.
How is this different from the Consumer Cashback Platinum Card?+
The Platinum pays 4% with higher caps but needs an AED 15,000 salary, AED 4,000 monthly spend and a AED 261.45 annual fee. The Reward pays 3% with lower caps from an AED 5,000 salary, an AED 3,000 spend gate and a AED 210 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.