Dubai Islamic Bank’s Al Islami Credit Cards provide flexibility, convenience, and ethical financial solutions.
Dubai Islamic Bank (DIB) offers a range of Sharia-compliant credit cards through its Al Islami series, built to align with Islamic financial principles.
This guide outlines every detail of the application process, eligibility, fees, and how to contact the bank.
UAE Credit Market
The United Arab Emirates has one of the most active and diverse consumer credit markets in the Middle East.
According to recent data from the Central Bank of the UAE, the country has over 8 million active credit card accounts.
Where Does DIB Al Islami Stand?
Dubai Islamic Bank’s Al Islami Credit Card distinguishes itself from conventional products in several ways.
In short, DIB’s Al Islami Credit Cards cater to a growing segment of UAE consumers seeking ethical, transparent, and value-rich credit solutions.
In an environment where financial inclusivity, digital convenience, and faith-based banking are increasingly valued, this card provides an attractive alternative.
Why Choose a Dubai Islamic Bank’s Al Islami Credit Card?
The Al Islami Credit Cards are different from traditional cards in that they do not involve interest (Riba), which is prohibited in Islam.
Instead, they are structured around Ujrah (fee-based) models that align with Islamic finance values.
These cards are suitable for both regular spending and travel, and they come with several exclusive perks.
Types of Al Islami Credit Cards Available
Dubai Islamic Bank offers different credit cards to suit varying income levels and lifestyle needs. Here are the most common:
Al Islami Classic Credit Card
- Monthly Fee: AED 195
- Minimum Salary: AED 5,000
Key Features:
- Global usage and acceptance
- Free roadside assistance
- Purchase protection (up to USD 1,000 per claim)
- Wala’a Rewards: 1 point per AED 1 spent
- Supplementary cards at no extra cost
Al Islami Platinum Credit Card
- Monthly Fee: AED 600
- Minimum Salary: AED 15,000
Key Features:
- Free travel insurance
- Access to luxury services
- Purchase protection (up to USD 3,000 per claim)
- Wala’a Rewards: 4 points per AED 1 spent
- Concierge and roadside services
These cards are not subject to annual interest but instead operate under a fixed monthly subscription fee model, in line with Islamic principles.
Benefits and Rewards
Dubai Islamic Bank’s Al Islami Credit Cards also come with:
- Wala’a Rewards Program: Earn reward points on every purchase. These can be redeemed for flight bookings, hotel stays, bill payments, and more.
- Travel Insurance: Includes global travel protection and emergency medical services.
- Takaful Insurance: Optional protection in case of disability or death.
- Airport Lounge Access: Available with premium cards.
- Supplementary Cards: Free for family members with shared limits.
How to Apply for a DIB Al Islami Credit Card
Whether you’re a resident in the UAE or a long-time DIB customer, understanding how to apply for an Al Islami Credit Card is essential.
The Dubai Islamic Bank offers multiple ways to apply, including online, through the mobile app, or in person. Here’s a full guide:
1. Log In or Register (For Faster Processing)
Existing DIB Customers simply log into their Online Banking or the DIB Mobile App.
This method auto-fills your personal and account data, speeding up the application.
New Customers need to register via the mobile app or online portal before applying. Identity verification and account setup are required.
2. Choose Your Card
Visit the DIB website or use the DIB Mobile App.
Browse the available Al Islami Credit Cards
Select the card that matches your income level and needs
3. Fill in the Online Application
You will be asked to provide your full name, nationality, date of birth, and Emirates ID. Passport & visa details (for expats).
Contact Details like Mobile number, email, and current address (UAE residence) are needed.
You will be asked for your employer’s name and job title, and also a range of monthly income. Other Information:
- Additional cardholder details (optional)
- Consent for credit bureau check
- Selection of Takaful (Islamic insurance)
4. Upload Required Documents
Valid Emirates ID, passport copy with valid residency visa (for expatriates), and a salary Certificate (dated within 30 days).
3–6 months’ bank statements and a tenancy contract or utility bill are optional.
5. Submit & Wait for Approval
The bank may take 2 to 5 business days to process and verify your application. You will be notified via SMS or email about the status.
Eligibility Criteria
To be eligible, applicants must meet the following:
- Minimum age: 21 years
- Must be a UAE resident
- Minimum salary: AED 5,000/month for Classic card
- Must not have a default history on the UAE credit bureau
- Must provide valid identity and income proof
Interest Rates and Charges
Even though Dubai Islamic Bank’s Al Islami Credit Cards do not charge interest, they come with service-based fees as part of the Ujrah model.
| Fee Type | Amount |
|---|---|
| Monthly Fee (Classic) | AED 195 |
| Monthly Fee (Platinum) | AED 600 |
| Late Payment Fee | AED 236.25 (donated to charity) |
| Cash Withdrawal Fee | AED 94.50 per transaction |
| Foreign Transaction Fee | 2.26% (non-AED); 2.09% (in AED abroad) |
| Credit Shield Takaful | 0.94% of the outstanding balance |
You will not be charged any interest on unpaid balances, but delayed payments may result in a charity donation charge.
Customer Service and Contact Information
For application inquiries or card support, contact:
- Customer Service Phone: +971 4 609 2222
- Email: [email protected]
- Head Office Address: Dubai Islamic Bank P.J.S.C., Head Office Building 2, Al Maktoum Road, Opp. Dnata, Deira, P.O. Box 1080, Dubai, UAE
Branch locations and support hours can be found on the official DIB website.
Conclusion
Applying begins with choosing the right card and logging in through the bank’s website or mobile app.
By offering Sharia-compliant financial services, DIB makes credit card usage accessible to users who prioritize ethical banking.
If you’re seeking a card with rewards, cash access, and no interest fees, the Al Islami series may be a smart choice.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Terms, conditions, and eligibility criteria are subject to change. Always verify updated terms on the official Dubai Islamic Bank website or contact the bank directly.
