Dubai Islamic Bank Consumer Platinum Card

Dubai Islamic Bank (DIB) opened its doors in 1975 by the decree of Shaikh Rashid bin Saeed Al Maktoum. Not only was Dubai Islamic Bank the first Islamic Bank in the UAE to be completely Shariah-compliant, but it is currently also the largest Islamic Bank in the UAE.

The Dubai Islamic Bank Consumer Platinum credit card is the perfect card for those customers who wish to save on daily expenses and enjoy the benefits of a socially-responsible Islamic credit card. This credit card is jointly owned by Dubai Islamic Bank and Department of Economic Development in Dubai. It offers all cardholders its spectacular benefits regardless of religion, helping its card members to save their hard-earned money every time they spend with assured cash back of 4%.

Features & Benefits of DIB Consumer Platinum Credit Card

The Dubai Islamic Bank Consumer Platinum credit card offers top of the line features and benefits to its cardholders such as:

Balance Transfers

Cardholders can enjoy the benefit of transferring their outstanding balance of any other bank’s credit card to this DIB credit card. Dubai Islamic Bank allows customers to avail of 0% profit rate charges for the first few months, enabling cardholders to easily pay off their outstanding dues.

Cash Withdrawals

The Dubai Islamic Bank Consumer Platinum credit card allows cardholders to withdraw up to 80% of their available credit limit as an when they require it. Cash can be withdrawn easily through any Visa-accepting ATM across the globe or directly transferred to the Dubai Islamic Bank card account via the Dubai Islamic Bank online portal.

Customer Support

Dubai Islamic Bank prides itself on its expert customer support. Cardholders may contact the customer support staff at any time and from anywhere in the globe to request for services such as replacement of their Dubai Islamic Bank card, emergency cash disbursal and much more.

Credit Shield Takaful

Members of the DIB Consumer Platinum credit card can protect their card repayments for a nominal fee of 0.94% of their outstanding balance. The Credit Shield Takaful covers cardholders in case of permanent total disabilities, involuntary loss of employment, and death.

Online Banking

This DIB credit card offers cardholders access to a secure online platform, which can be used to perform banking operations remotely.

Roadside Assistance

This Dubai Islamic Bank Consumer Platinum credit card offers 3 complimentary roadside assistance services per year, which cardholders can access by paying a one-time upgrade fee as specified by the bank.

Security

This Dubai Islamic Bank credit card offers the highest standards of card security by implementing the Chip & Pin protocol. Ever Chip & Pin Dubai Islamic Bank card is equipped with a unique microchip, which prevents malicious third parties from duplicating the card.

DIB Consumer Platinum Credit Card Rewards & Offers

Being a member of this DIB credit card, one can enjoy the following rewards and offers:

Cash back

Cardholders are rewarded with an impressive array of cash back offers across multiple spending categories right from groceries, refuelling, and bill payments to NOI & salik recharges and more. With no minimum spend required, cardholders can simply use this DIB credit card at participating merchants and earn cash back every time they spend on their DIB Consumer Platinum Credit Card. Please note that the monthly cap on cash back is an enormous amount of AED 1,000 per billing cycle. Below is the cash back rate for DIB Consumer Platinum Credit Card members:

Merchant Categories	Cash back (in %)	Maximum Monthly Cash back (in AED)
Fuel Spends	4	150
Supermarket & Hypermarket Purchases	4	400
Etisalat & Du Bill Payments	4	150
Automobile Servicing	4	400
Salik & NoI recharges	4	50
Utility Bill Payments	4	150

*Note: Cash back is applicable on transactions in the UAE only.

Eligibility Criteria to Apply for DIB Consumer Platinum Credit Card

The Dubai Islamic Bank Consumer Platinum credit card eligibility criteria are as follows:

Age Eligibility: 21+ years
Minimum Monthly Salary Requirement: AED 15,000

Fees & Charges on DIB Consumer Platinum Credit Card

Check out the schedule of charges for DIB Consumer Platinum Credit Card:

Fees and Charges	Amount
Annual Membership Charges	AED 208.95
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