Dubai Islamic Bank credit cards
Dubai Islamic Bank P.J.S.C is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: late payment AED 236.25 undertaking to donate, per instance.
Dubai Islamic Bank P.J.S.C is on the Central Bank of the UAE’s register as a national bank licensed for islamic retail banking in Dubai.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a Dubai Islamic Bank credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Monthly profit rate | Up to 3.69% a month on covered cards; 3.69% on the SHAMS Covered Card |
| Late payment | AED 236.25 undertaking to donate, per instance |
| Cash withdrawal fee | 3.15% of the amount, per transaction |
| Foreign currency fee | 3.70% on non-AED transactions; 3.14% on AED transactions abroad |
| Card reissue or replacement | AED 52.50 |
| Credit Shield takaful | 0.94% of the outstanding a month |
| Liability letter | AED 52.50 |
| Supplementary cards | Free |
The figures come from Schedule of Charges (Effective 12 October 2026).2
The schedule lists one set of other charges for all covered and charge cards.2
What salary do you need for a Dubai Islamic Bank card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.3 Dubai Islamic Bank publishes these minimums:4
| Card | Minimum monthly salary |
|---|---|
| Consumer Cashback Reward Card | AED 5,000 |
How do you complain to Dubai Islamic Bank?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules Dubai Islamic Bank must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.5 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
5
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2Dubai Islamic Bank, Schedule of Charges, Effective 12 October 2026. Effective 12 Oct 2026. Last checked 12 Nov 2026. Source document: Schedule of Charges
3Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
4Dubai Islamic Bank, Consumer Cashback Reward Card. Last checked 12 Nov 2026. Source document: Consumer Cashback Reward Card
5Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published