DIB requires at least AED 3,000 in eligible retail spend during the billing cycle.
DIB Consumer Cashback Reward Credit Card
Earn 3% cashback on selected UAE everyday categories after AED 3,000 monthly retail spend, capped at AED 1,000 per billing cycle.
Updated Jul 2026
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. DIB Consumer Cashback Reward Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Rewards
3%
on supermarket and hypermarket purchases and school fees in the UAE.
Maximum monthly cashback of AED 300 for each category. Minimum AED 3,000 monthly retail spend required.
3%
on automobile servicing in the UAE.
Maximum monthly cashback of AED 300. Minimum AED 3,000 monthly retail spend required.
3%
on Etisalat and du bills, fuel and utility bills in the UAE.
Maximum monthly cashback of AED 100 for each category. Minimum AED 3,000 monthly retail spend required.
3%
on Salik and nol recharges in the UAE.
Maximum combined monthly cashback of AED 25. Minimum AED 3,000 monthly retail spend required.
1,000AED
maximum total cashback per billing cycle.
Combined cap across all cashback categories.
Rewards Calculator
July 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.
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
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
No Annual Fee
Welcome Offer: 75,000 Voyager Miles
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+
No Annual Fee for the first year
Welcome Offer: 150,000 Voyager Miles
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Complimentary travel medical insurance
Cover up to USD 100,000.
Cover is subject to the card network policy, eligibility requirements, exclusions and claim terms.
Complimentary roadside assistance
Up to 2 times per year.
Includes eligible roadside services under the published card benefit terms.
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
Free
Joining Fee
210AED
Annual Fee
3.69%
Monthly Profit Rate
Up to 3.69% per month (44.28% per annum).
Cash WithdrawalAED 94.5*
*Per ATM transaction.
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 Reward Credit Card credit card
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