PayperWIZ

DIB Consumer Cashback Platinum cashback rate, cap and annual fee

DIB Consumer Cashback Platinum pays 4% on groceries — on the first AED 10,000 you spend on it each month, which is where the AED 400 cap stops it. Nothing at all below AED 4,000 of spending a month — AED 48,000 across a year. The card costs AED 249 a year.

Dubai Islamic Bank · United Arab Emirates · catalogue v101

Read from Dubai Islamic Bank's own published terms on 17 Sep 2026.

AED 249Annual fee
AED 4,000Minimum monthly spend
AED 1,000Cap across the whole card
4%Best rate

What it pays, by category

SpendingRateMonthly cap
groceries4.00%AED 400reached at AED 10,000 of spendSupermarkets and hypermarkets. AED 400 a month on this category, dropping to AED 300 on 10 October 2026, inside the AED 1,000 shared ceiling.
automobile servicingtravel4.00%AED 400reached at AED 10,000 of spendAutomobile servicing. AED 400 a month.
education4.00%AED 400reached at AED 10,000 of spendSchool fees. AED 400 a month, dropping to AED 300 on 10 October 2026.
phone and internet4.00%AED 150reached at AED 3,800 of spendEtisalat and du bills. AED 150 a month.
fuel4.00%AED 150reached at AED 3,800 of spendFuel. AED 150 a month.
government4.00%AED 150reached at AED 3,800 of spendUtility bills. AED 150 a month.
Salik and Nol rechargeseverything else4.00%AED 50reached at AED 1,200 of spendSalik and Nol recharges. AED 50 a month.
Unusually broad — one rate across seven categories including the bill-type spend most cards exclude — but every category has its own ceiling as well as the AED 1,000 shared one, and the card pays nothing at all in a month you spend under AED 4,000 on retail purchases. DIB has published a reduction effective 10 October 2026: the supermarket and school-fee ceilings both drop from AED 400 to AED 300. Annual fee AED 249 excluding VAT. Source: dib.ae, checked 17 Sep 2026.

Questions people ask

What cashback does the DIB Consumer Cashback Platinum pay?

4% on groceries, and 6 other rates.

Is there a cap on the DIB Consumer Cashback Platinum?

Yes — AED 1,000 a month across the whole card, however you split your spending.

What is the annual fee on the DIB Consumer Cashback Platinum?

AED 249 a year.

Is there a minimum spend on the DIB Consumer Cashback Platinum?

Yes — AED 4,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.

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Other United Arab Emirates cards read off the issuer