DIB Emirates Skywards DIB Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by DIB earning up to 2 miles per USD on travel and 1.5 miles per 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 minimal travel.
Watch out for
AED 2,625 annual fee and 4.85% FX markup reduce value for light spenders.
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 for new cardholders.
Includes Emirates Silver Tier status, lounge access, and valet parking perks.
Sharia-compliant Islamic credit card structure for those seeking halal finance.
Watch out for
AED 2,625 annual fee with no waiver option available.
Only 0.3 miles per USD on groceries, utilities, and education spending.
4.85% foreign exchange markup increases cost of international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 2,625 annual fee is justified if you spend heavily on travel and international purchases, earning 2 miles per USD and 1.5 miles per USD respectively. Light spenders or those focused on domestic categories will struggle to offset the fee.
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 bonus miles.
Can I use this card abroad?
Yes, the card earns 1.5 miles per USD on international purchases. However, the 4.85% foreign exchange markup increases the cost of overseas transactions.
Does this card earn on school or university fees?
Yes, education spending earns 0.3 miles per USD, the same low rate as utilities and groceries. This is not a strong category for this card.
What is the minimum salary requirement?
You must earn at least AED 20,000 per month to be eligible for this card.