Consumer Cashback Reward Card review
Cardholders earn 3% cashback on supermarkets, fuel, utilities, Etisalat and du bills, school fees, automobile servicing and Salik or NOL recharges. Category caps run at AED 300 for supermarkets, school fees and car servicing, AED 100 for telecom, fuel and utilities and AED 25 for Salik/NOL, inside an overall AED 1,000 monthly ceiling.
A minimum of AED 3,000 in retail purchases per statement cycle activates the cashback, which applies to UAE transactions only.
The card adds travel and medical takaful cover up to USD 100,000 and twice-yearly roadside assistance. The AED 210 fee is waived for the first year under the current offer, and the covered-card model keeps everything interest-free with a fixed 3.69% monthly profit rate.
Card details
| Bank | DIB |
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| Card type | Cashback |
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| Card network | Visa |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 210 |
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| Fee waiver | First year free under the current offer; AED 210 (incl. VAT) thereafter |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback |
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| Reward rate | 3% cashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL rechargesRequires minimum monthly retail purchases of AED 3,000 in the statement cycle. Cashback applies to UAE transactions only; monthly category caps: AED 300 on supermarkets, school fees and auto servicing, AED 100 on telecom, fuel and utilities, AED 25 on Salik/NOL AED 1,000 total cashback per billing cycle No cashback on foreign-currency spends, cryptocurrency, wire transfers or prepaid card loads |
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| Lounge access | Not included |
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| Quick cash | Draw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT) |
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| Balance transfer | Balance transfer facility available on DIB's standard terms |
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| Instalment plan | Extended payment plans available on retail purchases on DIB's standard terms |
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Consumer Cashback Reward Card benefits
✓3% cashback across seven everyday categories
✓Accessible AED 5,000 salary requirement
✓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 Reward Card fees & charges
| Annual percentage rate (APR) | Up to 44.28% (3.69% monthly profit rate) |
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| Cash advance fee | AED 94.50 per transaction (incl. VAT) |
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| Late payment fee | No interest-based late fee; a late payment triggers an undertaking to donate AED 236.25 (incl. VAT) to charity |
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| Foreign currency fee | 3.70% of transaction value on non-AED transactions; 3.14% on AED-billed international transactions (incl. VAT) |
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| Card replacement fee | AED 52.50 per request (incl. VAT) |
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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 salaried residents from AED 5,000 a month who want simple Sharia-compliant cashback on groceries, fuel, bills and school fees.
What works well
- ✓Everyday-essentials cashback at a AED 5,000 salary
- ✓Achievable AED 3,000 monthly spend threshold
- ✓Low fee with the first year free
What to weigh up
- −Lower 3% rate and caps than the Platinum tier
- −UAE transactions only
- −Cashback needs the monthly spend threshold every cycle
Consumer Cashback Reward Card eligibility
Minimum salary of AED 5,000 per month; UAE resident with valid Emirates ID. Cashback requires AED 3,000 of retail purchases in the statement cycle
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Consumer Cashback Reward Card FAQs
Minimum salary of AED 5,000 per month; UAE resident with valid Emirates ID. Cashback requires AED 3,000 of retail purchases in the statement cycle
The listed annual fee is AED 210. First year free under the current offer; AED 210 (incl. VAT) thereafter
3% cashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL recharges
This card suits salaried residents from AED 5,000 a month who want simple Sharia-compliant cashback on groceries, fuel, bills 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.
