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Dubai Islamic Bank Emirates Skywards DIB Signature Covered Card
Dubai Islamic Bank

Emirates Skywards DIB Signature Covered Card

Earn Skywards Miles on every purchase with Sharia-compliant banking

Apply at bank

Key facts

Min salary
AED 15,000/mo
Annual fee
AED 1,575/yr
Salary transfer
Not required
FX fee
3.7%
Monthly interest
3.69%
Interest-free days
55 days
Welcome offer
30,000 bonus Skywards Miles: 15,000 on activation + 15,000 on balance transfer

Earn rates

  • Travel & flights
    No cap
    1.5 miles/USD converted at 3.6725
    0.409 miles / AED
  • Groceries
    No cap
    0.2 miles/USD; excluded category
    0.054 miles / AED
  • Bills & telecom
    No cap
    0.2 miles/USD; excluded category
    0.054 miles / AED
  • Fuel
    No cap
    0.2 miles/USD; excluded category
    0.054 miles / AED
  • Everything else
    No cap
    0.75 miles/USD converted at 3.6725
    0.204 miles / AED

Perks

  • 8 Complimentary Airport Lounge Visits: 8 complimentary lounge visits per year via Visa Airport Companion.
  • 2 Airport Transfers per Year: 2 complimentary airport transfers per year via Careem.
  • 2 Valet Parking per Month: 2 complimentary valet parking uses per month at select UAE locations.

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.

  • Reduced Miles on Excluded Categories

    Government, utilities, education, real estate, and EEA spends earn significantly reduced miles (0.0545 to 0.136 per AED).

This card loves travel & flights. So do these deals →

Free Medical Travel Insurance (up to 15 days) for International Visitors with Etihad Airways
Free Medical Travel Insurance (up to 15 days) for International Visitors with Etihad Airways
Free
Free driverless Taxi Rides in Jumeirah & Umm Suqueim for limited time
Free driverless Taxi Rides in Jumeirah & Umm Suqueim for limited time
Free
Kenya Safari (Great Migration) for AED 6800 per person including flights (9-13 August)
Kenya Safari (Great Migration) for AED 6800 per person including flights (9-13 August)
AED 6,800
Not sure it fits you?

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Info only, not financial advice. Always check the bank's Key Facts Statement.