Consumer Cashback Platinum Card review
The card pays 4% cashback on supermarkets and hypermarkets, fuel, utility bills, Etisalat and du payments, school fees, automobile servicing and Salik or NOL recharges. Each category carries its own monthly cap - AED 400 for supermarkets, school fees and car servicing, AED 150 for telecom, fuel and utilities and AED 50 for Salik/NOL - within an overall ceiling of AED 1,000 per billing cycle.
Earning requires at least AED 4,000 of retail purchases in the statement cycle, and cashback applies to UAE transactions only.
Beyond cashback the card includes travel and medical takaful cover up to USD 100,000 and roadside assistance twice a year. The fee is AED 261.45 with the first year currently free, and the covered-card structure keeps it fully Sharia-compliant.
Card details
| Bank | DIB |
|---|
| Card type | Cashback |
|---|
| Card network | Visa Platinum |
|---|
| Minimum salary | AED 15,000 |
|---|
| Annual fee | AED 261.45 |
|---|
| Fee waiver | First year free under the current offer; AED 261.45 (incl. VAT) thereafter |
|---|
| Interest (monthly) | 3.69% |
|---|
| Reward type | Cashback |
|---|
| Reward rate | 4% cashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL rechargesRequires minimum monthly retail purchases of AED 4,000 in the statement cycle. Cashback applies to UAE transactions only; monthly category caps: AED 400 on supermarkets, school fees and auto servicing, AED 150 on telecom, fuel and utilities, AED 50 on Salik/NOL AED 1,000 total cashback per billing cycle No cashback on foreign-currency spends, cryptocurrency, wire transfers or prepaid card loads |
|---|
| Lounge access | Not included |
|---|
| Quick cash | Draw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT) |
|---|
| Balance transfer | Balance transfer facility available on DIB's standard terms |
|---|
| Instalment plan | Extended payment plans available on retail purchases on DIB's standard terms |
|---|
Consumer Cashback Platinum Card benefits
✓4% cashback across seven everyday categories
✓Up to AED 1,000 cashback per month
✓Travel and medical takaful cover up to USD 100,000
✓Complimentary roadside assistance twice a year
Offers and payment options
Quick cashDraw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT)
Balance transferBalance transfer facility available on DIB's standard terms
Instalment planExtended payment plans available on retail purchases on DIB's standard terms
Consumer Cashback Platinum Card fees & charges
| Annual percentage rate (APR) | Up to 44.28% (3.69% monthly profit rate) |
|---|
| Cash advance fee | AED 94.50 per transaction (incl. VAT) |
|---|
| Late payment fee | No interest-based late fee; a late payment triggers an undertaking to donate AED 236.25 (incl. VAT) to charity |
|---|
| Foreign currency fee | 3.70% of transaction value on non-AED transactions; 3.14% on AED-billed international transactions (incl. VAT) |
|---|
| Card replacement fee | AED 52.50 per request (incl. VAT) |
|---|
From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits families with salaries above AED 15,000 whose spending concentrates on supermarkets, fuel, utilities and school fees.
What works well
- ✓Strong 4% rate on genuine household essentials
- ✓High AED 1,000 monthly cashback ceiling
- ✓Low fee with the first year free
What to weigh up
- −AED 4,000 monthly spend needed to earn cashback
- −UAE transactions only - nothing on international spends
- −Per-category monthly caps limit heavy single-category spenders
Consumer Cashback Platinum Card eligibility
Minimum salary of AED 15,000 per month; UAE resident with valid Emirates ID. Cashback requires AED 4,000 of retail purchases in the statement cycle
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Consumer Cashback Platinum Card FAQs
Minimum salary of AED 15,000 per month; UAE resident with valid Emirates ID. Cashback requires AED 4,000 of retail purchases in the statement cycle
The listed annual fee is AED 261.45. First year free under the current offer; AED 261.45 (incl. VAT) thereafter
4% cashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL recharges
This card suits families with salaries above AED 15,000 whose spending concentrates on supermarkets, fuel, utilities and school fees.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
