DIB Consumer Cashback Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant cashback card by DIB offering 4% cashback on groceries, education, and utilities with minimum spend requirements.
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, and utilities combined.
Not ideal if
You mainly spend on dining, travel, or categories outside groceries and utilities.
Watch out for
AED 4,000 minimum monthly spend required to activate any cashback at all.
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 with up to AED 400 monthly cap.
4% cashback on education fees, valuable for families with school tuition.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 4,000 minimum monthly spend required to earn any cashback.
AED 261.45 annual fee with no waiver option available.
4.85% foreign exchange markup makes international use 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 applies to school tuition, university fees, and other education-related payments, provided you meet the AED 4,000 monthly spend minimum.
Is the annual fee worth it?
The AED 261.45 annual fee is not waivable. To break even, you need to earn at least AED 22 in cashback monthly, which requires consistent spending on groceries, education, or utilities above the AED 4,000 threshold.
Can I use this card abroad?
You can use it internationally, but the 4.85% foreign exchange markup makes it expensive for overseas purchases. Consider a card with lower FX fees for travel.
What are the cashback caps for each category?
Groceries and education each cap at AED 400 per month, while utilities cap at AED 150 per month. These caps apply separately to each category.