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DIB Cashback Platinum

This card offers one of the most 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

  • 4% Cashback on Supermarket&Hypermarket (up to AED 400 PM)
  • 4% Cashback on School Fees (up to AED 400 per month)
  • 4% Cashback on Automobile Servicing (up to AED 400 per month)
  • 4% Cashback on Fuel (up to AED 150 per month)
  • 4% Cashback on Utility Bills (up to AED 150 per month)
  • 4% Cashback on Du & Etisalat (up to AED 150 per month)
  • 4% Cashback on Salik and Nol recharge (up to AED 50 per month)

The total cashback is capped at AED 1,000 per statement cycle.

From May 2025, I minimum retail spending AED 4,000 is required to be eligible for cashback.


Card Snapshot:

Annual Fee: ​ ​ ​AED 261.45 per year
Card Type: ​ ​ ​​Visa Platinum®
Income Required: ​AED 15,000 per month

Valet parking: ​ ​✘ 
Per Trans. Rewards Tracking: ​✘ 
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 Platinum Card and its lower-end non-platinum sibling, offer one of the more divers cashback categories in the market, allowing you to earn more on you daily spending.  

Earn rate:

The 4% cashback is restricted by two different limits, per category of spend and per statement cycle. Cashback will be credited around one month after a statement is issued.


Pro Tip:

  1. If Apple Pay is used to pay for DEWA, cashback may not be awarded. 

  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: 

Xperiance App: Download the app and add your card to avail "buy 1 get 1" offers. 
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 Platinum Consumer Cashback Credit Card offers one of the most 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. Despite giving a lower cap per category of cashback, ADIB Cashback Card offers a lower annual fee, a 4% on food and dining and cashback is credited at the time of statement issuance. It also offers roadside assistance for free, but that shouldn't matter for most people. 

If you're confident that you can hit the AED 4,000 per month in spending, this is the best card in its category in terms of cashback. 

Apply for DIB Consumer Platinum Cashback Card


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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