The Emirates Skywards DIB Infinite Covered Card

What makes this card Islamic

Dubai Islamic Bank builds this card on a Salam contract. You sell the bank a quantity of goods to be delivered in future, the bank pays you the whole price today, and that advance payment is what you spend on the card.

DIB calls these 'Covered Cards', not credit cards. The Key Facts Statement states the Sharia Structure is Salam: 'These Covered Cards are based on the Sharia principle of Salam whereby the Customer will sell certain quantity of described commodities to the Bank to be delivered in future against advance payment of sale price by the Bank to the Customer. The Customer shall authorize the Bank to deposit the sale price of Salam (payable by the Bank to the Customer) in the Investment Wakala account of the Customer held with the Bank and the Customer can use the balance for purchase of goods or cash withdrawal.' The bank's charge is the 'Monthly Rate for Salam Delivery' of 3.69%, applied to the full covered-card limit; the customer is credited Wakala Profit at the same rate on the UNUTILISED limit, so the net monthly cost approximates 3.69% of the amount actually used. A 'Discretionary Rebate' MAY be given if the Total Due is settled by the Due Date -- the KFS wording is discretionary, not an automatic waiver.

Approved by Internal Shari'ah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

Every figure below comes from Dubai Islamic Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

AED 2,625KFS/Schedule of Charges: Annual Fee AED 2,625 in year 1, Renewal Fee AED 1,575 from year 2 onwards (both VAT inclusive). The product page tile shows AED 2,500, which is the same figure excluding 5% VAT.source

Supplementary card

AED 0Annual Fee for Supplementary Cards: Free (DIB Covered Cards KFS, p.9). Up to 5 supplementary cards.source

Profit rate

3.69% a month on the outstanding balanceDIB states this as a 'Monthly Rate for Salam Delivery' of 3.69%, charged on the covered card limit, offset by Wakala Profit at the same rate on the unutilised limit. DIB does not publish an annualised (APR-equivalent) figure on the Key Facts Statement, Schedule of Charges or product pages.source

Cash withdrawal

AED 94.50 per transaction (VAT inclusive). DIB states: 'Effective 21 August 2026, a fee of 3.15% of the transaction amount shall apply.' A separate AED 26.25 Visa/Mastercard international withdrawal fee applies at non-DIB ATMs abroad.

Late payment

AED 236.25

Foreign currency spend

3.7% on top of the exchange rate

Replacement card

AED 52.50

Takaful cover

Optional Credit Shield Takaful at 0.94% of the card outstanding per month; cover of AED 30,000 for involuntary loss of employment, AED 200,000 permanent total disability, AED 200,000 death (DIB Covered Cards KFS, p.8).

What you get back

• Emirates spends: 2 Skywards Miles per equivalent USD spent
• Foreign currency spends: up to 1.5 Miles per equivalent USD
• Local currency spends: up to 1 Mile per equivalent USD
• Government, supermarkets/groceries, utilities, insurance, automobiles, education, fuel, real estate, telecom and transport: 0.3 Mile per USD
• European Economic Area spend: 0.75 Mile per USD
• Joining bonus: 25,000 Miles on card activation
• Balance transfer bonus: 25,000 Miles on a minimum balance transfer of AED 50,000 maintained for 6 months
• Spend bonus: 25,000 Miles when you spend the equivalent of USD 20,000 or more in the first 4 card statements
• 2 additional Skywards Miles per USD 1 on hotel bookings and car rentals via the ExtraMiles app (limited period)

Other benefits

• Complimentary Emirates Skywards Silver membership (bonus Miles on Emirates flights, 12kg extra baggage, Emirates Lounge access at Dubai International, complimentary seat selection)
• Unlimited complimentary access to over 1,200 airport lounges worldwide for cardholder and a guest; after the first visit each calendar year a USD 1 equivalent foreign-currency spend outside the UAE is required 15 days prior, else USD 32 per usage
• 4 complimentary airport transfers between Dubai International Terminal 3 and Abu Dhabi
• 0% Easy Payment Plan on Emirates tickets bought on emirates.com
• Travel and medical coverage up to US$500,000, multi-trip, cardholder plus spouse and up to 5 children, trips up to 90 days
• International concierge, medical and legal referral, Global Customer Assistance Services
• 4 complimentary valet parking services per month at 18 UAE locations
• Complimentary roadside assistance up to 5 times per year
• Extended warranty doubling the manufacturer's warranty up to 1 year; buyer's protection
• Visa Luxury Hotel Collection; cash withdrawal up to 80% of available credit limit

Before you apply

• AED 2,625 in year 1 and AED 1,575 every year after -- the most expensive card in the DIB range, with no spend-based waiver published
• Airport transfers require an Emirates ticket bought on the card within the prior 6 months AND minimum monthly spend of AED 8,000; a fee of up to AED 335 (excluding VAT) is charged if the spend criteria is not met in a calendar month
• Everyday categories (groceries, fuel, utilities, education, telecom, transport) earn 0.3 Mile per USD, a fraction of the headline rate
• Profit at 3.69% a month is not automatically waived on full settlement -- only a discretionary rebate
• Skywards Miles are not earned on: utility & government bills paid through DIB platforms, foreign currency or travellers' cheques, money orders, deposits, cryptocurrency purchases, pre-paid cards with cash access, wire transfers, account funding, charity
• No online 'Apply Now' route on the product page as at 2026-08-17 -- only Request Callback and Find a branch, unlike every SHAMS, Prime and Consumer card

Can you get it?

Minimum income

AED 20,000 a monthsource

Other conditions

Product page states a minimum salary of AED 20,000. Salary transfer requirement not stated.

Where these figures come from

Last checked against Dubai Islamic Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “Salam Based Covered Card: These Covered Cards are based on the Sharia principle of Salam whereby the Customer will sell certain quantity of described commodities to the Bank to be delivered in future against advance payment of sale price by the Bank to the Customer. -- DIB Covered Cards Key Facts Statement (Aug 2025), p.1”
• “Sharia Structure: Salam | Monthly Rate for Salam Delivery: 3.69% -- DIB Covered Cards Key Facts Statement (Aug 2025), pricing grid p.9”
• “A. The difference between the sale price paid by the Bank to the Cardholder and the sale price DIB sells the commodities to the third party is considered as Bank's profit. The Cardholders will pay this difference on a monthly basis at the Rate mentioned in the Salam Contract B. Wakala Profit will be given to customer on the unutilized credit limit amount. C. Discretionary Rebate may be given to Cardholder if he settles his Total Due by the Due Date -- DIB Covered Cards KFS, 'Profit Calculation', p.3”
• “Example: Covered Card Limit - AED 10,000; Monthly Sale price difference (@ 3.69%) - AED 369; Retail Card Usage in a month - AED 5,000; Wakala Profit (@ 3.69%) - AED 184.50; Payment Made (Min. Due) - AED 150; Discretionary Rebate - AED 5.54; Customer effectively pays >> AED 369 - AED 184.50 - AED 5.54 = AED 178.96 -- DIB Covered Cards KFS, p.3”
• “Cardholder is liable to pay Minimum Amount Due by the Payment Due Date every month and in the event of Cardholder's failure to pay the Minimum Amount Due in any given month the Cardholder donates an amount of AED 236.25 in relation to such Due Amount which shall be routed to the designated charity through the Bank (on behalf of the Cardholder) under the supervision of its ISSC after deducting of its actual collection expenses (attributable to the subject transaction) as per the approved policy by the Bank's ISSC. -- DIB Covered Cards KFS, 'Late Payment Donation', p.3”
• “Cash Withdrawal Fee: AED 94.50 Per transaction. Effective 21 August 2026, a fee of 3.15% of the transaction amount shall apply -- DIB Covered Cards KFS, pricing grid p.9”
• “International Usage Fee (non-AED): 3.70% of transaction amount | International Usage Fee (AED): 3.14% of transaction amount -- DIB Covered Cards KFS, pricing grid p.9”
• “Credit Shield Takaful Contribution: 0.94% of the Outstanding Amount -- DIB Covered Cards KFS, pricing grid p.9”
• “Warning: If you only pay the Minimum Payment every month, your Covered Card Charges will keep increasing and it will take you longer to pay off the outstanding balance on your covered card -- DIB Covered Cards KFS, p.4”
• “AED 20,000 / Minimum Salary -- DIB Emirates Skywards Infinite product page (product highlight tile)”
• “AED 2,500 / Annual Fee -- DIB Emirates Skywards Infinite product page (product highlight tile; AED 2,625 including VAT per the KFS)”
• “Emirates Skywards Covered Card ... Year 1: 2,625 / Year 2 onwards: 1,575 -- DIB Schedule of Charges effective July 03, 2026, Cards table, Infinite column”
• “Emirates spends 2 Miles / Foreign currency spends Up to 1.5 Miles / Local currency spends Up to 1 Mile -- DIB Emirates Skywards Infinite product page”
• “You will earn 0.3 Mile per USD spend done on government, supermarkets/groceries, utilities, insurance, automobiles, education, fuel, real estate, telecom and transport. -- DIB Emirates Skywards Infinite product page”
• “A fee of up to AED 335 (excluding VAT) will be charged on the Covered Card if the minimum spend criteria is not met in a calendar month -- DIB Emirates Skywards Infinite product page, Airport Transfers T&Cs”

• Product page
• Schedule of charges
• Terms and conditions