DIB Emirates Skywards DIB Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by DIB earning up to 1 mile per USD on travel and 0.75 miles per 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 international travel and foreign transactions each month.
Not ideal if
You spend mostly within the UAE on dining, entertainment, or domestic shopping.
Watch out for
AED 525 annual fee is not waivable and 4.85% FX markup applies.
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 purchases with no cap.
Strong 0.75 miles per USD on all international spending.
Sharia-compliant structure for customers seeking Islamic finance.
5,000 bonus Skywards miles as welcome offer.
Watch out for
AED 525 annual fee with no waiver option.
4.85% foreign exchange markup reduces value on overseas transactions.
Groceries and utilities earn only 0.15 miles per USD, capped at AED 3,750 monthly.
Fees & Conditions
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Frequently Asked Questions
Is the AED 525 annual fee worth it?
It depends on your travel spend. If you regularly spend on international travel and foreign transactions, the 1 mile per USD on travel and 0.75 miles per USD internationally can offset the fee. Light spenders or those focused on domestic purchases will struggle to justify the cost.
How many Skywards miles do I earn on everyday spending?
You earn 0.5 miles per USD on general spending, education, and most domestic purchases. Groceries and utilities earn 0.15 miles per USD, capped at AED 3,750 per month in each category.
Can I use this card abroad without high fees?
Yes, but the 4.85% foreign exchange markup is higher than many competitors. While you earn 0.75 miles per USD on international purchases, the markup can reduce net value compared to cards with lower FX fees.
Does this card earn miles on school or university fees?
Yes, education spending earns 0.5 miles per USD with no cap, the same rate as general spending.
What is the welcome bonus?
You receive 5,000 Emirates Skywards miles as a welcome bonus when you sign up.