7DIDubai Islamic Bank (DIB)DIB Consumer Cashback CoveredAED 210/yr · AE

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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.

#7 of 7 · Cash Back · UAE #15 of 17 · All UAE cards

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

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Our verdict

Why the DIB Consumer Cashback Covered Card ranks where it does

The DIB Consumer Cashback Covered Card is a Shariah-compliant card aimed squarely at household essentials, including school fees, which most UAE cashback cards exclude. It pays 3% on supermarkets and school fees, auto servicing, fuel, utilities, Etisalat and du bills, and Salik and Nol top-ups, provided you spend AED 3,000 a month on retail. Each category has its own monthly cap, and the total is capped at AED 1,000.

The caps are tightening. Supermarkets and school fees are capped at AED 300 a month each today, falling to AED 200 from 10 October 2026, which limits the 3% rate to about AED 6,667 of spend in each. Fuel, utilities and telecom caps are AED 100 each, auto servicing AED 300, and Salik and Nol AED 25.

The fee is AED 210 a year including VAT, with the first year free under DIB's current offer, and the salary bar is AED 5,000. Foreign currency spend costs 3.70%, one of the higher fees in the market, and no lounge access is listed. The profit structure is Salam-based, with a monthly profit rate of up to 3.69%. For a family paying school fees by card, a single term's payment of about AED 7,000 earns close to the whole annual fee.

Good fit if

Parents paying school fees by card
Households wanting a Shariah-compliant card for essentials
People spending AED 3,000 a month on retail

Skip it if

Anyone who spends often in foreign currencies, given the 3.70% fee
Big grocery spenders who will pass the AED 200 cap from October 2026

Worked example

Assume, after 10 October 2026, AED 4,000 a month at supermarkets, AED 2,000 of school fees averaged monthly, AED 1,000 on fuel and AED 600 on utilities. Supermarkets earn 3%, AED 120; school fees AED 60; fuel AED 30; utilities AED 18. That is AED 228 a month, all within the caps, or AED 2,736 a year. After the AED 210 fee, about AED 2,526 remains, assuming each month meets the AED 3,000 retail condition.

How it stacks up

The ADIB Cashback Visa Covered Card is also Shariah-compliant, pays a higher 4% on groceries, fuel, school fees, dining and utilities, and costs less, AED 99 plus VAT. The CBD Super Saver covers the same essentials with rates that rise to 10% for AED 20,000 of monthly spend, and adds lounge visits. DIB's card is worth choosing mainly for its Salik, Nol and telecom coverage.

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.