DIB Consumer Cashback Reward Islamic Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by DIB offering 3% cashback on groceries, education, and utilities.
AED 210.00
3% groceries
AED 5,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on groceries, school fees, and utilities each month.
Not ideal if
You spend mainly on dining, travel, or general shopping categories.
Watch out for
AED 210 annual fee is not waivable, requiring consistent cashback to offset.
Calculate This Card’s Value
Earning Rates
3%
Cap: Up to AED 300/mo
3%
Cap: Up to AED 300/mo
3%
Cap: Up to AED 100/mo
Perks
Key Strengths and Weaknesses
Strengths
3% cashback on groceries with up to AED 300 monthly cap.
3% cashback on education fees with up to AED 300 monthly cap.
3% cashback on utilities with up to AED 100 monthly cap.
Sharia-compliant structure for customers seeking Islamic finance.
Watch out for
AED 210 annual fee with no waiver option available.
No cashback on dining, travel, or general shopping spend.
4.85% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 210 annual fee is not waivable. To break even, you need to earn at least AED 210 in cashback per year. If you regularly spend on groceries, education, and utilities, you can earn up to AED 700 per month across all three categories, making the fee worthwhile for high spenders in those areas.
Does this card earn cashback on school or university fees?
Yes, you earn 3% cashback on education spend, capped at AED 300 per month. To reach the cap, you would need to spend AED 10,000 monthly on tuition or school fees.
What categories earn cashback on this card?
You earn 3% cashback on groceries (up to AED 300/month), education (up to AED 300/month), and utilities (up to AED 100/month). Dining, travel, and general shopping do not earn any cashback.
Can I use this card abroad?
Yes, but international transactions carry a 4.85% foreign exchange markup, which will reduce the value of any cashback earned. This card is better suited for domestic spend in the three rewarded categories.
What is the minimum salary required?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.