DIB Emirates Skywards DIB Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by DIB earning up to 1 mile/USD on travel and 0.75 miles/USD internationally.
AED 525.00
Up to 1 mile/USD
AED 5,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on travel and international purchases and value Emirates Skywards miles.
Not ideal if
You spend mostly on domestic categories like dining, groceries, or local shopping.
Watch out for
AED 525 annual fee is not waivable, requiring strong travel spend to justify.
Calculate This Card’s Value
Earning Rates
1 mile/USD
0.75 miles/USD
0.5 miles/USD
0.5 miles/USD
0.15 miles/USD
Cap: Up to AED 3,750/mo
0.15 miles/USD
Cap: Up to AED 3,750/mo
Perks
Key Strengths and Weaknesses
Strengths
Earns 1 mile per USD on travel bookings with no cap.
0.75 miles per USD on all international spend, uncapped.
Sharia-compliant card structure for Islamic banking customers.
5,000 welcome bonus miles to boost initial earning.
Watch out for
AED 525 annual fee with no waiver option.
Groceries and utilities earn only 0.15 miles/USD, capped at AED 3,750 monthly.
4.85% FX markup increases cost on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 525 annual fee is not waivable, so you need to earn enough Emirates Skywards miles through travel and international spend to justify the cost. If you spend heavily on flights, hotels, and foreign purchases, the 1 mile/USD on travel and 0.75 miles/USD internationally can offset the fee.
How many miles do I earn on travel and international spend?
You earn 1 mile per USD on travel bookings and 0.75 miles per USD on all international spend, with no caps. All other spends earn 0.5 miles per USD.
Can I use this card abroad?
Yes, the card works internationally and earns 0.75 miles per USD on foreign spend. However, a 4.85% FX markup applies to all foreign currency transactions, which increases the cost.
Does this card earn on school or university fees?
Yes, education spend earns 0.5 miles per USD, the same as the baseline rate for all other spends. There is no cap on education earning.
What is the welcome bonus?
You receive 5,000 Emirates Skywards miles as a welcome bonus. This can help offset the AED 525 joining fee if you redeem the miles for flights or upgrades.