DIB Prime Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 3.5 points per AED on international spend and 3 points per AED on all other purchases.
Free
Up to 3.5 pts/AED
AED 20,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 20,000+ monthly and spend heavily on international purchases.
Not ideal if
You spend mostly on groceries, utilities, or education with weak earn rates.
Watch out for
FX markup of 4.85% reduces value on foreign currency transactions abroad.
Calculate This Card’s Value
Earning Rates
3 pts/AED
3.5 pts/AED
0.2 pts/AED
0.2 pts/AED
0.2 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee makes this card cost-free for eligible cardholders.
Earns 3.5 points per AED on international spend with no cap.
Sharia-compliant structure aligns with Islamic finance principles.
Includes valet parking and lounge access as premium perks.
Watch out for
AED 20,000 minimum salary requirement limits eligibility to high earners.
Groceries, utilities, and education earn only 0.2 points per AED.
FX markup of 4.85% is high for foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the DIB Prime Infinite Islamic Credit Card?
No, this card has no annual fee, making it a cost-free option for eligible cardholders who meet the AED 20,000 minimum salary requirement.
How many points do I earn on international spending?
You earn 3.5 points per AED on international purchases, the highest rate on this card. All other spending earns 3 points per AED.
Does this card earn rewards on school or university fees?
Yes, but education spending earns only 0.2 points per AED, significantly lower than the 3 points per AED baseline rate for general purchases.
What is the foreign exchange markup on this card?
The FX markup is 4.85%, which is relatively high and reduces the net value of international spending despite the 3.5 points per AED earn rate.
Who is eligible to apply for this card?
You must earn a minimum monthly salary of AED 20,000 to qualify for the DIB Prime Infinite Islamic Credit Card.