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Dubai Islamic Bank

Dubai Islamic Bank (DIB), established in 1975, is the pioneer in Islamic banking and the largest Islamic bank in the UAE in terms of assets, capital and branches. It has more than 80 branches all over the UAE, offering a suite of Sharia-compliant products and services.

Take Advantage Today

The Emirates Skywards DIB Credit Card gives you the opportunity to earn Skywards Miles on all spends. Every time you use the card to buy groceries or fuel, pay your household expenses, or just shop around, you come closer to your dream destination. You can earn even more Skywards Miles when you book your next trip with Emirates or spend in foreign currency.

Choose from 3 cards: Infinite, Signature or Platinum, each offering you a range of benefits.

Find out moreOpens an external website in a new tab.

Emirates Skywards DIB Infinite Credit Card

Emirates Skywards DIB Infinite Credit Card
  • Earn bonus Skywards Miles1:
    • 25,000 Miles on card activation
    • 25,000 Miles when you spend an equivalent of USD 20,000 or more in the first 4 card statements
    • 25,000 Miles on balance transfers of AED 50,000 or more
  • Earn Skywards Miles per USD equivalent spend2:
    • Emirates spends: 2 Miles
    • Foreign currency spends: 1.5 Miles
    • Local currency spends: 1 Mile
  • Complimentary Emirates Skywards Silver membership for the primary cardholder3
  • Complimentary airport lounge access for the cardholder and a guest to over 850 lounges worldwide via LoungeKey4
  • Easy Payment Plan with Emirates5
  • International concierge services6
  • Complimentary travel insurance6
  • Health club privileges - access to the Emirates Towers gym in Dubai7
  • 25% discount on Zomato across the UAE8
  • 4 free monthly valet parking services across the UAE9
  • Free supplementary cards
  • Joining Fee: AED 2,500
  • Renewal Fee: AED 1,500

Emirates Skywards DIB Signature Credit Card

Emirates Skywards DIB Signature Credit Card
  • Earn bonus Skywards Miles1:
    • 15,000 Miles on card activation
    • 15,000 Miles on balance transfer of AED 30,000 or more
  • Earn Skywards Miles per USD equivalent spend2:
    • Emirates spends: 1.5 Miles
    • Foreign currency spends: 1 Mile
    • Local currency spends: 0.75 Miles
  • Complimentary airport lounge access for the cardholder to over 850 lounges worldwide via LoungeKey4
  • Easy Payment Plan with Emirates5
  • Complimentary travel insurance6
  • 25% discount on Zomato across the UAE8
  • 3 free monthly valet parking services across the UAE9
  • Free supplementary cards
  • Joining Fee: AED 1,500
  • Renewal Fee: AED 700

Emirates Skywards DIB Platinum Card

Emirates Skywards DIB Platinum Card
  • Earn 5,000 bonus Skywards Miles on card activation1
  • Earn Skywards Miles per USD equivalent spend2:
    • Emirates spends: 1 Mile
    • Foreign currency spends: 0.75 Miles
    • Local currency spends: 0.5 Miles
  • Easy Payment Plan with Emirates5
  • 25% discount on Zomato across the UAE8
  • Free supplementary cards
  • Annual Fee: AED 500

Important Information

Income and eligibility criteria applies:
- Emirates Skywards DIB Infinite Credit Card: monthly income AED 35,000 
- Emirates Skywards DIB Signature Credit Card: monthly income AED 15,000
- Emirates Skywards DIB Platinum Credit Card: monthly income AED 5,000


1. Bonus Skywards Miles

  • The bonus Skywards Miles on card activation is a one-time bonus for new cardholders only. The bonus Skywards Miles will be credited to the cardholder’s Emirates Skywards account within 48 hours of qualifying. If the cardholder cancels and subsequently re-applies for the card, the cardholder will not be eligible to earn the bonus Skywards Miles again.
  • Emirates Skywards DIB Infinite Credit cardholders will earn 25,000 bonus Skywards Miles for an equivalent spend of USD 20,000 or more during the first four card statements. The bonus Miles will be credited to the cardholder’s Emirates Skywards account after the fourth card statement is generated.
  • Emirates Skywards DIB Infinite Credit cardholders will earn 25,000 bonus Skywards Miles subject to a minimum transfer of AED 50,000 and provided that the outstanding balance transfer is not settled earlier than six months from the date of the transfer.
  • Emirates Skywards DIB Signature Credit cardholders will earn 15,000 bonus Skywards Miles subject to a minimum transfer of AED 30,000 and provided that the outstanding balance transfer is not settled earlier than six months from the date of the transfer.

2. Skywards Miles earning per USD equivalent spend

  • Cardholders will not earn Skywards Miles on cash advances, any fees and charges paid on the card account; transactions that the Bank decides are disputed, unauthorised, illegal and/or fraudulent.
  • Emirates spends are categorised as transactions made on emirates.com or at the Emirates Sales office.
  • Foreign currency spends are categorised as transactions in non-AED currency.
  • Local currency spends means any eligible transaction in AED currency. Transactions made outside the UAE in AED currency will be classified as local spends.
  • Cardholders will earn Skywards Miles on all local spends in UAE at the same rate across all merchants, including spends on groceries, utility payments, education and insurance.
  • Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 48 hours of the billed transaction.
  • If there are any supplementary cardholders linked to the card account, any Skywards Miles they earn by spending on their cards will also be credited to the primary cardholder’s Emirates Skywards account.
  • Skywards Miles earning is up to the credit limit assigned to the credit card for each statement cycle.
  • The number of Skywards Miles earned from credit card spend will be displayed on the primary cardholder's monthly credit card statement.
  • Where a refund is made on a card, the Skywards Miles total will be adjusted accordingly by DIB from subsequent Miles earnings.
  • Current Emirates Skywards members have the responsibility to enter their existing membership number when applying for the card. Please note, the Emirates Skywards membership number entered must be for an Emirates Skywards account in the cardholder’s name.
  • If the cardholder is not an existing Emirates Skywards member, the personal information will be shared by the Bank with Emirates to enrol the cardholder in the Emirates Skywards programme.
  • Emirates Skywards Programme Rules apply.

3. Complimentary Emirates Skywards Silver membership

  • The Emirates Skywards Silver membership is available for the primary cardholder
  • The Silver membership will be valid as long as the Emirates Skywards DIB Infinite Credit Card is active.
  • Please allow up to 10 days from card approval to be enrolled or upgraded to Emirates Skywards Silver membership tier.
  • An email confirmation of your tier status will be sent with instructions on how to view and download your Emirates Skywards Silver digital card.
  • If the cardholder is an existing Emirates Skywards Gold or Emirates Skywards Silver member, their existing membership status will not be affected.
  • Emirates Skywards Programme Rules apply.

4. Complimentary unlimited lounge access via LoungeKey

  • The cardholder can use all lounges under the LoungeKey programme offered by VISA
  • The Emirates Skywards DIB Infinite Credit cardholder is entitled to unlimited access to more than 850 lounges worldwide and can even get along a guest.
  • The Emirates Skywards DIB Signature Credit cardholder is entitled to unlimited access to more than 850 lounges worldwide.
  • To avail this benefit, the card needs to be presented at the lounge reception.
  • For more details and applicable lounge locations please visit loungekey.com
5. Easy Payment Plan with Emirates
  • All Emirates tickets purchased on emirates.com above AED 500 can be converted into three months Easy Payment Plan.
  • To take advantage of this payment option, simply book and purchase tickets at emirates.com using the Emirates Skywards DIB Credit Card, and immediately apply for the payment option once your online purchase is complete, using the link provided on the booking confirmation page. Terms and conditions apply.
6. International concierge service and Complimentary travel insurance
  • These benefits are offered by VISA.
  • To avail these benefits the cardholder simply needs to pay for the service using their primary Emirates Skywards DIB Infinite or Signature Card.
  • Emirates Skywards DIB Infinite Credit Card holders can visit visamiddleeast.com/infinite for more information.
  • Emirates Skywards DIB Signature Credit Card holders can visit visamiddleeast.com/signature for more information.
  • Alternatively, you may call 8000 441 3487 (UAE toll-free) or +971 4 3611234
7. Health club privileges - access to the Emirates Towers gym
  • Emirates Skywards DIB Infinite Credit Card holders can access the gym at the Emirates Towers at any time, on any day.
  • Access is limited to the first 20 bookings per day.
  • The DIB Emirates Infinite Credit Card must be presented at the location to avail the service.
8. Dining offers on Zomato across the UAE
  • The cardholder can avail 25% discount on online orders up to a maximum of AED 50 per order.
  • The discount is applicable for a maximum of three orders per month.
  • For more details, please visit dib.ae/offers/card-offers
9. Valet parking services across the UAE
  • The cardholder can avail of this service at selected locations across the UAE.
  • One visit is classified as the time permitted at that specific location. A visit could range from one hour to four hours.
  • Excess usage of the complimentary level permitted will be billed to your card.
  • The DIB Emirates Skywards Credit Card must be presented at the location to avail of the service.