PayperWIZ

DIB Consumer Reward cashback rate, cap and annual fee

DIB Consumer Reward pays 3% on groceries — on the first AED 10,000 you spend on it each month, which is where the AED 300 cap stops it. Nothing at all below AED 3,000 of spending a month — AED 36,000 across a year. The card costs AED 200 a year.

Dubai Islamic Bank · United Arab Emirates · catalogue v101

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

AED 200Annual fee
AED 3,000Minimum monthly spend
AED 1,000Cap across the whole card
3%Best rate

What it pays, by category

SpendingRateMonthly cap
groceries3.00%AED 300reached at AED 10,000 of spendSupermarkets and hypermarkets. AED 300 a month, dropping to AED 200 on 10 October 2026, inside the AED 1,000 shared ceiling.
automobile servicingtravel3.00%AED 300reached at AED 10,000 of spendAutomobile servicing. AED 300 a month.
education3.00%AED 300reached at AED 10,000 of spendSchool fees. AED 300 a month, dropping to AED 200 on 10 October 2026.
phone and internet3.00%AED 100reached at AED 3,300 of spendEtisalat and du bills. AED 100 a month.
fuel3.00%AED 100reached at AED 3,300 of spendFuel. AED 100 a month.
government3.00%AED 100reached at AED 3,300 of spendUtility bills. AED 100 a month.
Salik and Nol rechargeseverything else3.00%AED 25reached at AED 830 of spendSalik and Nol recharges. AED 25 a month.
The lower-fee sibling of the Cashback Platinum: same seven categories and the same AED 1,000 shared ceiling, a point lower on every rate, and tighter per-category ceilings. Pays nothing at all in a month you spend under AED 3,000 on retail purchases. DIB has published a reduction effective 10 October 2026: the supermarket and school-fee ceilings both drop from AED 300 to AED 200. Cashback is on UAE transactions only, so this card earns nothing abroad however much you spend. Annual fee AED 200 excluding VAT. Source: dib.ae, checked 17 Sep 2026.

Questions people ask

What cashback does the DIB Consumer Reward pay?

3% on groceries, and 6 other rates.

Is there a cap on the DIB Consumer Reward?

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

What is the annual fee on the DIB Consumer Reward?

AED 200 a year.

Is there a minimum spend on the DIB Consumer Reward?

Yes — AED 3,000 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