DIB Consumer Cashback
This card offers one of the more diverse list of categories for a households daily spending, making it a great card for people who want to earn cashback without thinking about the card they use.
Earning Rates
- 3% Cashback on Supermarket&Hypermarket (up to AED 300PM)
- 3% Cashback on School Fees (up to AED 300 per month)
- 3% Cashback on Automobile Servicing (up to AED 300 per month)
- 3% Cashback on Fuel (up to AED 100 per month)
- 3% Cashback on Utility Bills (up to AED 100 per month)
- 3% Cashback on Du & Etisalat (up to AED 100 per month)
- 3% Cashback on Salik and Nol recharge (up to AED 25 per month)
In total, AED 1,000 in cashback can be earned per month.
From May 2025, a AED 3,000 minimum retail spend is required to be eligible for cashback.
Card Snapshot:
Annual Fee: AED 210 Per Year
Card Type: Visa®
Income Required: AED 5,000 per month
Valet parking: ✘
Per Trans. Rewards Tracking: ✘
Free Airport Lounge:
✔ (Limited)
Discounted Airport Transfer: ✘
Cinema Offer: ✘
No Min. Qualifying Spend: ✘
No Annual Fee: ✘
Insurance: ✔
Golf: ✘
Perks
- Xperiance App: Download the app and add your card to avail "buy-1-get-1" offers.
- Vehicle recovery and and licensing benefits upon paying an upgrade fee.
Details
DIB Visa Consumer Card and its higher-end platinum sibling, offer one of the most divers cashback categories in the market, allowing you to earn more on you daily spending.
Earn rate:
The 3% cashback is restricted by two different limits, per category of spend and per statement cycle. Cashback will be credited around one month after statement is issued.
Pro Tip:
1. Cashback may not be awarded when paying DEWA bills via Apple Pay.
2. Cashback may not always be awarded at certain establishments, even if they seem to qualify. For example, a garage's Merchant Category Code (MCC) might not align with the one the bank has whitelisted for cashback. If you're anticipating a large transaction, it's a good idea to make a small payment first and then contact the bank to confirm if it qualifies for cashback.
3. There is a significant delay in receiving cashback. For example, cashback you earn in October is for the bills you paid in August, where the statement is issued in September.
Perks:
Vehicle Recovery is only available upon paying a fee of AED 288.75.
Pro Tip: Most car insurance policies (even a third party policy) offer free roadside assistance. Make sure yours don't have it before paying the fee.
My Take
DIB Consumer Cashback Credit Card offers one of the more extensive lists of cashback categories in the market and has to potential to pay back it's annual for for a typical family within a month. However, cashback is only credited a month after a statement is issued, which makes it difficult to track if cashback was rewarded correctly.
This card directly competes with the ADIB Cashback Card. Following recent updates, the ADIB card now features a lower annual fee, a higher earn rate of 4%, and an expanded cashback category that includes food and dining. Cashback is credited at the time of statement, and most notably, there's no minimum spend required to qualify—making the ADIB card the clear winner.
Dubai Islamic Bank
Dubai Islamic Bank (DIB), established in 1975, is the world’s first full-service Islamic bank. Headquartered in Dubai, UAE, it operates in compliance with Shariah principles, offering a wide range of retail, corporate, and investment banking services. DIB is one of the largest Islamic banks globally.
DIB is the largest Islamic bank in the UAE by asset.
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