7DIDubai Islamic Bank (DIB)DIB Consumer Cashback CoveredAED 210/yr · AE
Cash Back · United Arab Emirates
DIB Consumer Cashback Covered Card
4.0 / 5 editorial score
Best for: families who want Shariah-compliant cashback on groceries, school fees and fuel.
Annual feeAED 210/yr
IssuerDubai Islamic Bank (DIB)
NetworkVisa / Mastercard
Welcome offerSee issuer for the current offer
Interest rateMonthly profit rate (Salam) of up…
Foreign fee3.70% of the transaction amoun…
Who qualifiesMinimum monthly salary AED 5,000
Why it ranks
- Covers school fees, which many cashback cards exclude
- Low annual fee for an Islamic cashback card
- AED 1,000 overall monthly cap
What holds it back
- Supermarket and school fee caps fall to AED 200 from 10 October 2026
- High 3.70% fee on foreign currency spend
- No lounge access listed
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The DIB Consumer Cashback Covered Card is a Shariah-compliant card that pays 3% on household essentials, including school fees, as long as you spend AED 3,000 a month. Figures are as of September 2026.
DIB Consumer Cashback Covered Card at a glance
| Issuer | Dubai Islamic Bank (DIB) |
| Card network | Visa / Mastercard |
| Annual fee | AED 210 a year (AED 200 + VAT); first year free under DIB's current offer |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 3% cashback on supermarkets, school fees, auto servicing, fuel, utilities, Etisalat and du bills, and Salik and Nol, each with its own monthly cap; needs AED 3,000 monthly retail spend; AED 1,000 total monthly cap |
| Intro APR | None |
| Regular APR | Monthly profit rate (Salam) of up to 3.69%; Shariah-compliant, no interest |
| Foreign transaction fee | 3.70% of the transaction amount on non-AED spend; 3.14% on international spend billed in AED |
| Airport lounge access | None listed |
| Credit needed | Minimum monthly salary AED 5,000 |
| Best for | Families who want Shariah-compliant cashback on groceries, school fees and fuel |
Key features
- 3% on supermarkets and school fees, each capped at AED 300 a month (AED 200 from 10 October 2026)
- 3% on auto servicing (AED 300 cap), fuel, utilities and telecom bills (AED 100 caps each)
- 3% on Salik and Nol top-ups, capped at AED 25 a month
- Travel insurance up to USD 100,000 and roadside assistance twice a year
- Shariah-compliant covered card with a Salam-based profit structure
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
How it ranks against similar UAE cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | DIDubai Islamic Bank (DIB)DIB Consumer Cashback CoveredAED 210/yr · AE DIB Consumer Cashback Covered CardFamilies who want Shariah-compliant cashback on groceries, school fees and fuel |
AED 210/yr | 3% cashback on supermarkets, school fees, auto servicing, fuel, utilities, Etisa… | See issuer for the current offer | 3.70% of the transaction a… | Minimum monthly salary AED 5,000 | |
| 2 | ADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE ADCB 365 Cashback Credit CardDining, fuel and grocery spenders who put AED 5,000+ a month on one card |
AED 383.25/yr | 6% dining (incl. online orders), 5% fuel and Salik, 5% home digital entertainmen… | See issuer for the current offer | See issuer | Minimum monthly salary AED 5,000… | |
| 3 | MMashreq BankMashreq CashbackNo annual fee · AE Mashreq Cashback Credit CardEveryday spenders wanting fee-free cashback |
None | Up to 5% on dining, 2% on groceries, 1% elsewhere | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency | |
| 4 | FAFirst Abu Dhabi Bank (FAB)FAB CashbackNo annual fee · AE FAB Cashback Credit CardHouseholds wanting fee-free cashback on essentials |
None | Up to 5% on groceries and dining, 3% on fuel | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency |
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