Everyday savings.Everyday happiness.Get cashback! No questions asked.

Features and benefits

dib.ae

Terms and conditions apply

Consumer Card

Dear Card Member,

It is my great pleasure to present you with the Consumer

Card. This Card is brought to you jointly with the

Department of Economic Development in Dubai. The Card

is value-packed and helps you save by providing cashback

on your everyday spends .

On behalf of Dubai Islamic Bank, I extend to you a very

warm welcome once again and we look forward to delight

you with the highest standards of service excellence.

Nasser Abdulla Al Awadhi

Chief of Consumer Banking

Yours sincerely,

Dubai Islamic Bank presents the Consumer Card dedicated to providing you more savings on everyday spends.

It’s interest-free, fully Sharia-compliant with no hidden charges whatsoever.

The DED-DIB Consumer Card. It’s just right for you.

Utility BillsEtisalat & Du

nol SALIK50%50%

Most Comprehensive Cashback

Get 4% cashback with the Consumer Card. Brought to you jointly with the Department of Economic Development in Dubai and Dubai Islamic Bank, the Consumer Card helps you enjoy great savings every time you use it for various daily spends across the UAE. From supermarkets to automobile servicing to phone bills, Salik and even fuel, your opportunities to save are endless.

Cashback Earn Rates for Platinum Consumer Card and Rewards Consumer Card.

As a valued Card Member, you will enjoy these special privileges:

Merchant

Categories

Platinum Card Rewards Card

Cashback

Maximum

Monthly

Cashback

(AED)

Cashback

Maximum

Monthly

Cashback

(AED)

Supermarket &

Hypermarket

Purchases

4% 400 3% 300

Automobile

Servicing4% 400 3% 300

Etisalat & Du Bill

Payments4% 150 3% 100

Fuel Spends 4% 150 3% 100

Utility Bills 4% 150 3% 100

Salik and Nol

recharges4% 50 3% 25

Movie Ticket

Purchases50% 250 50% 150

No Minimum Spend, Maximum Savings Potential

With no minimum spend criteria, it’s easy to earn cashback with

your DED-DIB Consumer Card. Simply use your Card at qualifying

merchant categories and start earning instantly.

Learn how to earn AED 1,000 cashback in a month using

your Platinum Consumer Card.

Please note:

1. Total monthly maximum cashback cap is AED 1,000 per Billing Cycle.

2. Cashback applicable on transactions in UAE.

3. Bank has the right to amend the cashback program at any time.

Merchant

Categories

Platinum Card

Cashback

Monthly Spend

(AED)

Monthly

Cashback (AED)

Supermarket &

Hypermarket

Purchases

4% 10,000 400

Automobile

Servicing4% 3,000 120

Etisalat & Du Bill

Payments4% 2,500 100

Fuel Spends 4% 1,500 60

Utility Bills 4% 1,000 40

Salik and Nol

recharges4% 1,000 40

Movie Ticket

Purchases50% 480 240

Total Cashback Earned 1,000

Balance Transfer

Use your DED-DIB Consumer Card to clear your outstanding on other Bank’s Cards and save on unnecessary charges. No documentation required.

You can apply for the facility through Online Bankinghttps://online.dib.ae

Avail exclusive privileges at over 900 luxury hotel properties around the world with benefits such as best rates, automatic room upgrades, free internet and breakfast, VIP guest status, late check-out and complimentary US$ 25 food and beverage vouchers. The benefits are provided when bookings are made through www.visaluxuryhotels.com and payment is made using your DED-DIB Consumer Card.

For more information,visit www.visamiddleeast.com/visaplatinum

*For Platinum Consumer Card only.

Visa Luxury Hotel Collection*

Golf Access*

Visa Golf Access enables Visa Platinum Cardholders to indulge their passion for the game providing unique golf experiences and exclusive discounts, at the following golf clubs:

• Saadiyat

• TheElsClub

• TheTrack,Meydan

• TheRoyalGolfClub

• AbuDhabiGolfclub

• JumeirahGolfEstates

For more information, visit www.visamiddleeast.com/visaplatinum

*For Platinum Consumer Card only.

80% Cash Withdrawal Limit

Your DED-DIB Consumer Card gives you easy access to cash, wherever you are in the world. What’s more, you can even transfer cash instantly from your Card to your Dubai Islamic Bank Account through Online Banking.

Please visit https://online.dib.ae

Medical and Legal Referral*

Travel the world safe in the knowledge that you always have access to the help you need. As a Platinum Cardholder you can avail the following services:

• Medicaladviceoverthetelephone

• Medicalserviceproviderreferral

• Monitoringmedicalconditionpreandposthospitalisation

• Essentialmedicineandequipmentdelivery

• Dispatchofphysiciantoyourlocation

• Medicalevacuationandrepatriation

• Legalreferral

• Interpreterreferral

Terms and conditions apply.

For more information on medical and legal servicescall +44 (0) 208 762 8373.

*For Platinum Consumer Card only.

Global Customer Assistance Services (GCAS)*

GCAS exists to provide you with world-class customer service and support in the event that anything goes wrong when you travel. As a Visa Platinum Cardholder, GCAS adds genuine value by providing essential services when you need it the most. Services include:

• LostorstolenCardreporting

• EmergencyCardreplacement

• EmergencycashdisbursementuptoUS$5,000

• Emergencypaymentauthorisation

For more information on what GCAS can offercall +971 4 361 1234.

60 Days Purchase Protection*

Go ahead and shop at ease. All goods purchased using your DED-DIB Consumer Card are protected against theft and damage for a period of 60 days from the date of purchase.

For terms and conditions visit www.visamiddleeast.com

*For Platinum Consumer Card only.

Credit Shield (Takaful)

Credit Shield Takaful feature is available on your DED-DIB Consumer Card. For a fee of only 0.94% of the outstanding amount, you are covered in the unfortunate event of death, total disability or loss of employment.

Fine Dining Offers*

Visa has partnered with over 75 premium restaurants in the UAE to bring you amazing discounts and offers. You can also earn Visa Fine Dining reward points every time you spend at any of the participating restaurants. Discounts are provided when you pay using your DED-DIB Consumer Card. Additional Visa Fine Dining reward points can be earned by showing a virtual membership card.

To register for the program and receive your virtual membership card on your mobile, visit www.visafinedining.com

*For Platinum Consumer Card only.

Extended Warranty*

Having an Extended Warranty is reassuring. It feels good to know that if something goes wrong with a purchase, it’s covered. As a DED-DIB Consumer Cardholder, you benefit from an automatic doubling of the manufacturer’s warranty (subject to a maximum of 24 months combined) against mechanical breakdown over and above the manufacturer’s warranty on new electrical household products, provided the eligible item has been bought with your DED-DIB Consumer Card.

For terms and conditions visit www.visamiddleeast.com

Merchant Offers

Over 450 special global, regional and local offers with exclusive travel, entertainment, retail, dining and golf establishments.

For details visit dib.ae

*For Platinum Consumer Card only.

Other unique features of yourDED-DIB Card include:

Pay Minimum

Only pay the minimum amount of 4% each month.

World-wide Acceptance

Accepted at over 27 million outlets across the globe.

Chip and PIN Security

It’s really easy to use your chip and PIN card. Simply make sure that the retailer accepts Visa, select the goods you want to buy and take them to the payment counter as usual. At checkout you will be required to insert the Card into the machine where you will be required to enter your PIN. You will be given a receipt as proof of purchase.

Payment

Many ways to make your DED-DIB Consumer Card payment; through Online Banking, DIB ATMs or CCDMS, Tellers, Phone Banking, Cheque Payments and Account Transfers.

For Schedule of Charges, terms and conditions,please visit www.dib.ae