Emirates Skywards DIB Infinite cashback rate, cap and annual fee
Emirates Skywards DIB Infinite pays 1.09% at Emirates, and 8 other rates. The card costs AED 2,625 a year.
Dubai Islamic Bank · United Arab Emirates · catalogue v101
Read from Dubai Islamic Bank's own published terms on 19 Sep 2026.
AED 2,625Annual fee
1.09%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Emiratestravel | 1.09% | —Emirates. DIB publishes 2 Skywards Miles per US dollar; converted here at the dirham's 3.673 peg to the dollar. |
| non-dirham spendingtravel | 0.82% | —Anything bought in a currency other than the dirham, not only travel. The EEA earns 0.75 per dollar instead, converted at the same peg. |
| everything else | 0.54% | —Everything else in dirhams, at the peg. |
| groceries | 0.16% | —Supermarkets, on the reduced band DIB applies to government, utilities, insurance, cars, education, fuel, real estate, telecoms and transport. At the |
| government | 0.16% | —Government services and utilities, on the same reduced band. Paid through DIB's own app or website they earn nothing at all. |
| education | 0.16% | —Education, on the same reduced band. |
| fuel | 0.16% | —Fuel, on the same reduced band. |
| phone and internet | 0.16% | —Telecoms, on the same reduced band. |
| rent and property | 0.16% | —Real estate, on the same reduced band. |
The top of DIB's Emirates range. DIB publishes this card per US dollar on a card that bills in dirhams, so every rate here is that figure over 3.673: 2 Skywards Miles a dollar at Emirates, 1.5 on anything bought in another currency, 1 in dirhams, 0.75 across the EEA, and 0.3 on government, supermarkets, utilities, insurance, cars, education, fuel, real estate, telecoms and transport. Utility and government bills paid through DIB's own platforms earn nothing at all, and nor do foreign currency, money orders, deposits, cryptocurrency, prepaid cards, wire transfers or charity. The entry this replaces carried the wrong fee: DIB's page says AED 2,500 plus VAT for this tier. Source: dib.ae's own page for the card, read 19 Sep 2026.
Questions people ask
What cashback does the Emirates Skywards DIB Infinite pay?
1.09% at Emirates, and 8 other rates.
Is there a cap on the Emirates Skywards DIB Infinite?
No monthly cap is published on the rates shown here.
What is the annual fee on the Emirates Skywards DIB Infinite?
AED 2,625 a year.
Knowing the rate is not the same as remembering it
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