Dubai Islamic Bank

For cashback, DIB Consumer Cashback Platinum (free-for-life, AED 8,000 salary) is DIB's main Sharia-compliant cashback card. For premium travel, DIB Shams Infinite includes lounge access and travel cover. Sharia structure (Tawarruq/Murabaha) is used across the range instead of conventional interest.

Yes. DIB is the common abbreviation for Dubai Islamic Bank, the first Islamic bank in the UAE (established 1975). DIB credit cards are all Sharia-compliant and certified by its Internal Sharia Supervision Committee.

DIB credit cards use Sharia-compliant contracts (Tawarruq, Murabaha) instead of charging conventional interest. The bank purchases a commodity, sells it to the customer at a marked-up price, and the customer repays in installments — generating profit without riba. Late payment charges are donated to charity rather than retained by the bank.

DIB Shams Infinite is the premium tier of DIB's Shams card family. It includes airport lounge access via Priority Pass, premium travel insurance, concierge service, and a high credit limit. Minimum monthly salary is typically AED 25,000+.

DIB Consumer Cashback Platinum is a free-for-life Sharia-compliant cashback card with up to 3% cashback on everyday spending categories. It's one of the few free Islamic cashback options in the UAE, eligible from AED 8,000 monthly salary.

Apply through the DIB website (dib.ae) or the DIB mobile app. Required documents: Emirates ID, residence visa, salary certificate or 3-6 months of bank statements, and proof of address. Approval involves an AECB credit check.

Entry DIB cards start from AED 8,000 monthly salary (Consumer Cashback Platinum, Shams Platinum). Mid-tier requires AED 15,000 (Shams Signature). Premium Shams Infinite requires AED 25,000 or higher.

Yes. All Dubai Islamic Bank credit cards are certified Sharia-compliant by DIB's Internal Sharia Supervision Committee, avoiding riba and using Islamic finance structures.