Emirates Skywards DIB Platinum Covered Card review
It earns 1 Skywards Mile per USD equivalent on Emirates spends, up to 0.75 Mile on other foreign-currency purchases and up to 0.5 Mile locally, with everyday categories earning 0.15 Mile. Activation brings 5,000 bonus Miles.
Benefits concentrate on value and protection: a 0% Easy Payment Plan for Emirates tickets, USD 100,000 of travel takaful cover, 365-day purchase protection, doubled manufacturer warranty and access to the Visa Luxury Hotel Collection.
The annual fee is AED 525 and the minimum salary AED 10,000. As a covered card it runs on a fixed 3.69% monthly profit rate, with late payments handled through a charity-donation undertaking rather than interest.
Card details
| Bank | DIB |
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| Card type | Travel |
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| Card network | Visa Platinum |
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| Co-brand | Emirates Skywards |
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| Minimum salary | AED 10,000 |
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| Annual fee | AED 525 |
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| Fee waiver | Annual fee AED 525 (incl. VAT) |
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| Interest (monthly) | 3.69% |
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| Reward type | Skywards Miles |
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| Reward rate | Earn 1 Skywards Mile per USD equivalent on Emirates spends, up to 0.75 Mile on other foreign-currency spends and up to 0.5 Mile on local spendsEveryday categories such as government, supermarkets, utilities, insurance, fuel, telecom, transport, education, real estate and automobiles earn 0.15 Mile per USD; EEA spends earn 0.3 Mile. No Miles on utility bills via DIB channels, foreign-currency purchases, money orders, cryptocurrency, prepaid card loads, wire transfers or charity Skywards Miles credit to your Emirates Skywards account and can be redeemed for Emirates flights, upgrades and partner rewards |
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| Welcome bonus | 5,000 bonus Skywards Miles on card activation |
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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 with no documentation via online banking |
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| Instalment plan | 0% Easy Payment Plan on Emirates airline tickets; extended payment plans on other retail purchases |
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Welcome bonus: 5,000 bonus Skywards Miles on card activation
Emirates Skywards DIB Platinum Covered Card benefits
✓5,000 Skywards Miles on activation
✓0% payment plan on Emirates tickets
✓Travel takaful cover up to USD 100,000
✓365-day purchase protection and doubled warranty
✓Visa Luxury Hotel Collection access
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 with no documentation via online banking
Instalment plan0% Easy Payment Plan on Emirates airline tickets; extended payment plans on other retail purchases
Emirates Skywards DIB Platinum Covered 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 occasional Emirates flyers who want to start collecting Skywards Miles on a Sharia-compliant card with a moderate fee and salary requirement.
What works well
- ✓Affordable entry into Skywards earning
- ✓0% instalments on Emirates tickets
- ✓Purchase protection and extended warranty included
What to weigh up
- −No lounge access at this tier
- −Modest base earn rates
- −AED 525 annual fee is not waived
Emirates Skywards DIB Platinum Covered Card eligibility
Minimum salary of AED 10,000 per month; UAE resident with valid Emirates ID
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Emirates Skywards DIB Platinum Covered Card FAQs
Minimum salary of AED 10,000 per month; UAE resident with valid Emirates ID
The listed annual fee is AED 525. Annual fee AED 525 (incl. VAT)
Earn 1 Skywards Mile per USD equivalent on Emirates spends, up to 0.75 Mile on other foreign-currency spends and up to 0.5 Mile on local spends
This card suits occasional Emirates flyers who want to start collecting Skywards Miles on a Sharia-compliant card with a moderate fee and salary requirement.
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.
