DIB Emirates Skywards DIB Signature Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by DIB earning up to 1.5 miles per USD on travel and 1 mile per USD internationally.
AED 1,575.00
Up to 1.5 miles/USD
AED 15,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel and overseas purchases each month.
Not ideal if
You spend mostly within the UAE on dining, groceries, or utilities.
Watch out for
Non-waivable AED 1,575 annual fee and 4.85% foreign exchange markup on transactions.
Calculate This Card’s Value
Earning Rates
1.5 miles/USD
1 mile/USD
0.75 miles/USD
0.2 miles/USD
0.2 miles/USD
0.2 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.5 miles per USD on travel and 1 mile per USD internationally.
Welcome bonus of up to 30,000 Emirates Skywards Miles for new cardholders.
Lounge access, valet parking, and car service perks for premium travel.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
Non-waivable AED 1,575 annual fee increases cost of ownership significantly.
Groceries, utilities, and education earn only 0.2 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 1,575 annual fee worth it?
It depends on your travel spend. If you make frequent international and travel purchases, the 1.5 miles per USD on travel and 1 mile per USD internationally, plus the 30,000 Skywards Miles welcome bonus and premium perks, can justify the fee. Domestic-focused spenders will struggle to offset the cost.
How many miles do I earn on everyday spending in the UAE?
You earn 0.75 miles per USD on general domestic spending, but only 0.2 miles per USD on groceries, utilities, and education. Travel and international purchases earn much higher rates of 1.5 and 1 mile per USD respectively.
Can I use this card abroad without extra charges?
Yes, but there is a 4.85% foreign exchange markup on international transactions. While you earn 1 mile per USD on international spend, the markup reduces the net value compared to cards with lower FX fees.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to be eligible for this card.
How does the welcome bonus work?
New cardholders can earn up to 30,000 Emirates Skywards Miles as a welcome bonus. Check with DIB for specific spending or activation requirements to unlock the full bonus.