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 meet the AED 15,000 salary requirement.
Not ideal if
You spend mainly on domestic groceries, dining, or utilities, or prefer cashback.
Watch out for
AED 1,575 non-waivable annual fee requires high travel spend to justify the cost.
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 travellers.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 1,575 annual fee with no waiver option available.
Groceries, utilities, and education earn only 0.2 miles per USD.
AED 15,000 minimum salary requirement limits eligibility to higher earners.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is not waivable, so it is worth it only if you spend heavily on travel and international purchases to earn enough Skywards Miles. The 30,000-mile welcome bonus can help offset the first-year cost.
How many miles do I earn on travel and international spending?
You earn 1.5 miles per USD on travel purchases and 1 mile per USD on international spending. All other domestic spends earn 0.75 miles per USD, while groceries, utilities, and education earn 0.2 miles per USD.
Can I use this card abroad?
Yes, the card earns 1 mile per USD on international purchases. However, the 4.85% foreign exchange markup applies to all foreign currency transactions.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 15,000 to be eligible for this card.
Does this card earn on school or university fees?
Yes, education spending earns 0.2 miles per USD, the same low rate as groceries and utilities.