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Travel
Dubai Islamic Bank
Emirates Skywards DIB Platinum Covered Card
IslamicNo salary transfer needed
Min. salary
AED 10,000
Annual fee
AED 525
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
No standard waiver; renewal also AED 525 incl. VAT
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 525
- Fee note
- No standard waiver; renewal also AED 525 incl. VAT
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 10,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome bonus: 5,000 bonus Skywards Miles on card activation
- 1 Skywards Mile per USD on Emirates spends
- Up to 0.75 Skywards Mile per USD on foreign currency spends
- Up to 0.5 Skywards Mile per USD on local currency spends
- 0.15 Mile per USD on government, supermarkets/groceries, utilities, insurance, automobiles, education, fuel, real estate, telecom, transport; 0.3 Mile/USD in EEA
- Travel & medical cover up to US$100,000 when flight tickets booked on the card (covers spouse and up to 4 children under 18)
- No airport lounge, valet or airport transfer benefits listed on this tier
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.