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, education fees, and utilities each month.
Not ideal if
You mainly spend on dining, travel, or fuel with little grocery or education spend.
Watch out for
Monthly caps of AED 300 on groceries and education, AED 100 on utilities.
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, education, and utilities with clear monthly caps.
Sharia-compliant structure for customers seeking Islamic finance products.
Car service and registration pickup and drop-off perks included.
Accessible AED 5,000 minimum salary requirement.
Watch out for
AED 210 annual fee with no waiver option available.
No cashback on dining, travel, fuel, or general spending.
High 4.85% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it for this card?
The AED 210 annual fee is worth it if you consistently earn more than AED 210 in cashback each year. To break even, you need to spend at least AED 7,000 annually across groceries, education, and utilities. Families with regular school fees and grocery bills will easily surpass this threshold.
What are the monthly cashback caps?
You can earn up to AED 300 per month on groceries, AED 300 per month on education, and AED 100 per month on utilities. This means maximum monthly cashback of AED 700 if you hit all three caps.
Does this card earn cashback on school or university fees?
Yes, education spending earns 3% cashback up to AED 300 per month, so you can earn cashback on tuition and school fees up to AED 10,000 monthly spend in this category.
Can I use this card abroad?
Yes, but the 4.85% foreign exchange markup makes it expensive for international transactions. You will pay nearly 5% extra on every purchase made outside the UAE, and foreign spend does not earn cashback.
Is this card Sharia-compliant?
Yes, the DIB Consumer Cashback Reward Islamic Credit Card is structured according to Islamic finance principles, making it suitable for customers seeking Sharia-compliant banking products.