DIB Emirates Skywards DIB Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by DIB earning up to 2 miles/USD on travel and 1.5 miles/USD internationally.
AED 2,625.00
Up to 2 miles/USD
AED 20,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel and meet the AED 20,000 salary requirement.
Not ideal if
You spend mostly on domestic groceries, utilities, or education with low travel.
Watch out for
AED 2,625 annual fee is not waivable and 4.85% FX markup applies.
Calculate This Card’s Value
Earning Rates
2 miles/USD
1.5 miles/USD
1 mile/USD
0.3 miles/USD
0.3 miles/USD
0.3 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 2 miles per USD on travel and 1.5 miles per USD internationally.
Welcome bonus of up to 75,000 Emirates Skywards Miles accelerates redemptions.
Includes Emirates Silver Tier status, lounge access, and valet parking.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 2,625 annual fee with no waiver option available.
Groceries, utilities, and education earn only 0.3 miles per USD.
4.85% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the AED 2,625 annual fee worth it?
It depends on your travel spend. If you regularly spend on international travel and can earn the 75,000 welcome bonus miles, the fee may be justified. However, the fee is not waivable, so you need consistent high spending to offset the cost.
How does the welcome bonus work?
You earn 50,000 Skywards Miles upfront, plus an additional 25,000 miles after spending AED 73,463 within 120 days of card approval, for a total of up to 75,000 miles.
Does this card earn on school or university fees?
Yes, but education spending earns only 0.3 miles per USD, the same low rate as utilities and groceries. Travel and international purchases earn much more.
Can I use this card abroad?
Yes, international purchases earn 1.5 miles per USD. However, a 4.85% foreign exchange markup applies, which reduces the net value of your miles.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for this card.