DIB Consumer Cashback Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by DIB with 4% cashback on groceries, education, and utilities.
AED 261.45
4% groceries
AED 15,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 4,000+ monthly on groceries, education fees, and utility bills combined.
Not ideal if
You mainly spend on dining, travel, or categories outside groceries, education, and utilities.
Watch out for
AED 4,000 minimum monthly spend required to activate all cashback; no rewards below threshold.
Calculate This Card’s Value
Earning Rates
4%
Cap: Up to AED 400/mo · Min AED 4,000/mo spend
4%
Cap: Up to AED 400/mo · Min AED 4,000/mo spend
4%
Cap: Up to AED 150/mo · Min AED 4,000/mo spend
Perks
Key Strengths and Weaknesses
Strengths
4% cashback on groceries, education, and utilities with AED 4,000 monthly spend.
Up to AED 400 monthly cap on groceries and education cashback each.
Sharia-compliant structure for customers seeking Islamic finance products.
Car service and registration pickup and drop perks included.
Watch out for
AED 4,000 minimum monthly spend required to earn any cashback at all.
No cashback on dining, travel, shopping, or most other spending categories.
4.85% foreign exchange markup makes international purchases costly.
Fees & Conditions
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Frequently Asked Questions
What is the minimum spend to earn cashback on this card?
You must spend at least AED 4,000 per month to activate the 4% cashback on groceries, education, and utilities. If you spend below this threshold, you earn no cashback at all.
Does this card earn cashback on school or university fees?
Yes, education spending earns 4% cashback, capped at AED 400 per month. This includes school tuition, university fees, and other qualifying education payments, provided you meet the AED 4,000 monthly minimum spend.
Is the AED 261.45 annual fee worth it?
It depends on your spending. If you consistently spend AED 4,000 or more monthly on groceries, education, and utilities, the 4% cashback can offset the fee. If you spend less or focus on other categories, the fee becomes a net cost.
Can I use this card abroad?
Yes, but the 4.85% foreign exchange markup makes it expensive for international purchases. You also won't earn cashback on most overseas spending unless it falls into groceries, education, or utilities.
What are the monthly cashback caps?
Groceries and education each have a cap of AED 400 per month, while utilities are capped at AED 150 per month. Once you hit these limits, you won't earn additional cashback in those categories for that billing cycle.