- Joining Fee
- Free
- Annual Fee
- AED 261.45
- Minimum Salary
- AED 15,000
DIB Consumer Cashback Platinum Credit Card
Earn 4% cashback on selected UAE everyday categories after AED 4,000 monthly retail spend, capped at AED 1,000 per billing cycle.
Updated Sep 2026
≈ AED 12,000 potential value / year
Rewards
4%
on supermarket and hypermarket purchases and school fees in the UAE.
Maximum monthly cashback of AED 400 for each category. Minimum AED 4,000 monthly retail spend required.
4%
on automobile servicing in the UAE.
Maximum monthly cashback of AED 400. Minimum AED 4,000 monthly retail spend required.
4%
on Etisalat and du bills, fuel and utility bills in the UAE.
Maximum monthly cashback of AED 150 for each category. Minimum AED 4,000 monthly retail spend required.
4%
on Salik and nol recharges in the UAE.
Maximum combined monthly cashback of AED 50. Minimum AED 4,000 monthly retail spend required.
1,000AED
maximum total cashback per billing cycle.
Combined cap across all cashback categories.
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Eligibility
15,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
September 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Additional Benefits
Complimentary travel medical insurance
Up to USD 100,000 of travel and medical cover when eligible flight tickets are booked with the card.
Watania travel cover applies when you book flight tickets using an eligible DIB card. It covers the cardholder, spouse and up to four children under 18, subject to the provider’s exclusions and claim terms.
See full breakdownComplimentary roadside assistance
Up to 2 times per year.
Includes eligible roadside services under the published card benefit terms.
Fees
Free
Joining Fee
261.45AED
Annual Fee
3.69%
Monthly Profit Rate
Up to 3.69% per month (44.28% per annum).
Cash Withdrawal3.15%*
*Of the transaction amount.
International ATM WithdrawalAED 26.25*
*Per international ATM transaction.
Late PaymentAED 236.25*
*Charitable donation undertaking per late payment instance.
Card ReplacementAED 52.5*
*Per request.
International Fee (non-AED)3.7%*
*3.70% of the transaction amount.
International Fee (AED)3.14%*
*3.14% of the transaction amount.
Frequently Asked Questions
Get answers to common questions about DIB Consumer Cashback Platinum Credit Card credit card
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