Dubai Islamic Bank (DIB) Credit Card Eligibility

Dubai Islamic Bank (DIB) is one of the leading banks in the UAE with a base of more than 5 million customers. It was established in 1975 and offers a variety of finance and banking solutions for individuals and businesses. Among its diverse products and services, credit cards help you go cashless and deliver unlimited privileges. 

 If you are a new credit card holder, you need to check the Dubai Islamic Bank credit card eligibility criteria. Familiarising yourself with the eligibility requirements, necessary documents, and factors that affect your application will help streamline your application process. 

Dubai Islamic Bank Credit Card Eligibility

DIB offers a range of credit cards — from Signature to Platinum — each packed with innumerable perks, such as exclusive cashback, discounts on shopping, dining, travel and more. However, before applying, it’s important to check the DIB credit card eligibility in UAE. 

Here are the common eligibility criteria that you must meet for a DIB credit card:  

Age

Age is one of the key factors that you should consider before applying for a credit card. In the UAE, you must be at least 21 years old to get a DIB credit card. While making an application for a credit card, also check the maximum age limit, as it may be different from card to card.  

Income 

The bank has set a minimum income limit for DIB credit card applicants that is AED 5,000. So, your monthly salary should meet this requirement. However, the minimum income may vary depending on the specific type of credit card you have chosen.  

Employment Status 

Whether you own a business or earn a salary from a job, you can get a DIB credit card in the UAE. Your employment status is another significant eligibility factor that you should check while applying for a credit card.  

Nationality

DIB credit card applicants must be UAE nationals or expats. However, the requirements for nationals and expatriate applicants may vary. The bank may ask for additional documents from the expatriates to verify their eligibility.  

Credit Score

You must have a good credit Score to get DIB credit cards. This score is based on your previous credit history, transactions, and payment default. A good credit score proves your trustworthiness and credibility. In the UAE, a credit score of above 650 is generally considered fair, making you eligible for most credit card options.

Required Documents to Apply for a DIB Credit Card in the UAE

You must provide the following documents while applying for a DIB credit card in the UAE: 

• Emirates ID
• Proof of residency 
• Passport 
• Salary slip (salaried applicants)
• Bank statement 
• Trade license (self-employed applicants)

Note: You may need to submit some additional documents if requested by the bank. 

What are the Factors Affecting Dubai Islamic Bank Credit Card Eligibility?

Have a look at the common factors influencing your DIB credit card eligibility in UAE:  

Credit Score

It’s the pivotal factor that decides whether you get a credit card or not. A high credit score helps you easily get a credit card with premium privileges and vice versa. Generally, your credit score is influenced by previous payment history, credit types, credit utilization ratio, and more.  

If you are looking to improve your credit score, here are some tips to help you boost it. 

Existing Debt 

A credit card provider, like DIB, generally checks your debt-paying capability. They use debt-to-income ratio metrics to check your ability to repay the debts. If you have a debt-to-income ratio of 50% or more, it would be difficult for the bank to issue a DIB credit card to you. The lower the DTI ratio, the better chances you have to own a credit card.

Income Level 

Your income is undoubtedly a key factor in determining your Dubai Islamic Bank credit card eligibility. If you have a high income, you can get advanced credit cards offered by DIB, as your income depicts your repayment capability.  

Employment 

Your employment status is an important factor in securing a DIB credit card. Whether you are employed or running a business (salaried or self-employed) improves your chances of enjoying the DIB credit card benefits.  

Residence 

Your Dubai Islamic Bank credit card eligibility is also influenced by your residence. For instance, some premium credit cards are only available for UAE nationals. On the other hand, expats need to submit some additional documents to get a credit card, supporting their lifestyle.  

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