Consumer Cashback Platinum has the higher rate at 4% but requires AED 15,000 salary and AED 4,000 monthly retail spend. Consumer Cashback Reward offers 3% from AED 5,000 salary with an AED 3,000 spend threshold. Both are subject to category caps.
Best DIB Cashback Credit Cards in the UAE
Dubai Islamic Bank (DIB) Sharia-compliant cashback cards — Consumer Cashback Platinum and Consumer Cashback Reward compared with DIB's premium Shams range.
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DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
≈ AED 12,000 potential value / year
4% cashback on groceries, auto & education
4% cashback on bills
4% cashback on Salik & Nol
DUBAI ISLAMIC BANK
DIB Consumer Cashback Reward Credit Card
≈ AED 10,800 potential value / year
3% cashback on groceries, auto & education
3% cashback on bills
3% cashback on Salik & nol
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
≈ AED 15,194 potential value / year · incl. perks · incl. welcome bonus
10 points/AED dining + travel
Fitness First access
4 airport transfers/year
12 lounge visits/year + guest
Best DIB Cashback Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 261.45 | AED 15,000 | 4% cashback across selected UAE categories; AED 4,000 monthly retail-spend threshold |
| AED 210 | AED 5,000 | 3% cashback across selected UAE categories; AED 3,000 monthly retail-spend threshold |
| Premium | AED 25,000 | Top-tier Shams card with airport lounge access and premium travel cover |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 261.45 | AED 15,000 | 4% cashback across selected UAE categories; AED 4,000 monthly retail-spend threshold |
| AED 210 | AED 5,000 | 3% cashback across selected UAE categories; AED 3,000 monthly retail-spend threshold |
| Premium | AED 25,000 | Top-tier Shams card with airport lounge access and premium travel cover |
DIB Consumer Cashback Platinum Credit Card
Annual feeAED 261.45
Min. salaryAED 15,000
Highlight4% cashback across selected UAE categories; AED 4,000 monthly retail-spend threshold
DIB Consumer Cashback Reward Credit Card
Annual feeAED 210
Min. salaryAED 5,000
Highlight3% cashback across selected UAE categories; AED 3,000 monthly retail-spend threshold
DIB SHAMS Infinite Credit Card
Annual feePremium
Min. salaryAED 25,000
HighlightTop-tier Shams card with airport lounge access and premium travel cover
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Why choose DIB Cashback
1.
Sharia-compliant structure
DIB cards use Sharia-compliant contracts rather than conventional interest. The current Consumer Cashback Key Facts Statement identifies Salam as the applicable structure; check each card's KFS for its exact contract.
2.
Two Consumer Cashback tiers
Consumer Cashback Reward starts from AED 5,000 salary at 3%, while Platinum starts from AED 15,000 at 4%. Both have annual fees, spend thresholds and category caps.
3 cards in the UAE
DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 261.45
- 4% cashback on groceries, auto & education
- 4% cashback on bills
- 4% cashback on Salik & Nol
DUBAI ISLAMIC BANK
DIB Consumer Cashback Reward Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 210
- 3% cashback on groceries, auto & education
- 3% cashback on bills
- 3% cashback on Salik & nol
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- Salary: AED 20,000+
- First year fee-free
- 10 points/AED dining + travel
- Fitness First access
- 4 airport transfers/year
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–20,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–20,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best DIB Cashback Credit Cards in the UAE
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