Dubai Islamic Bank

Emirates Skywards DIB Infinite Covered Card

Earn Skywards Miles faster with unlimited lounge access and Skywards Silver

Min salary: AED 20,000/mo
Annual fee: AED 2,625/yr
Salary transfer: Not required
FX fee: 3.7%
Monthly interest: 3.69%
Interest-free days: 55 days
Welcome offer: 75,000 bonus Skywards Miles: 25,000 on activation + 25,000 on balance transfer + 25,000 on USD 20,000 spend in 4 statements

Unlimited Airport Lounge Access: Unlimited complimentary lounge access for cardholder and 1 guest via Visa Airport Companion.
4 Airport Transfers per Year: 4 complimentary airport transfers per year via Careem.
4 Valet Parking per Month: 4 complimentary valet parking uses per month at select UAE locations.
Golf Privileges: Complimentary golf rounds at select UAE courses. Minimum spend conditions apply.

The fine print that matters

Late Payment Donation
AED 236.25 donated to charity if minimum payment not made by due date.
Cash Withdrawal Fee
AED 94.50 per cash withdrawal transaction, plus profit rate from date of withdrawal.
FX Transaction Fee
3.70% on non-AED international transactions; 3.14% on AED international transactions.
High Annual Fee
AED 2,500 annual fee with no waiver condition published on product page.
Skywards Silver Status Conditions
Complimentary Skywards Silver membership; fast track to Gold requires USD 5,000 Emirates spend in 12 months.