Dubai Islamic Bank (DIB) Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum)
Islamic Personal Financing in Ras Al Khaimah
Co-branded covered card family with Emirates airline in three tiers. Infinite: up to 75,000 bonus Skywards Miles, complimentary Emirates Skywards Silver membership and airport transfers. Signature: up to 30,000 bonus Miles and access to 1,000+ airport lounges worldwide. Platinum: up to 5,000 bonus Miles and 0% Easy Payment Plan on emirates.com purchases. All tiers earn Skywards Miles on everyday spending, redeemable for flights and upgrades with Emirates and partners. DIB's covered card KFS lists annual fees across its card range from AED 210 to AED 2,625 depending on variant.
For Dubai-based Emirates loyalists who bank Islamically, this card family is the obvious play: bonus Miles up to 75,000, Silver status on the Infinite, and the same properly documented Salam/Wakala plumbing as the SHAMS range. DIB's disclosure gap here is the earn rate - the page sells bonuses and perks but not Miles-per-AED, which is the number frequent flyers actually compare (ADIB prints 3.5 Etihad Guest Miles per AED 4 on its rival card). Get the earn table in writing before choosing between this and ADIB's Etihad Guest cards, and as always with covered cards, pay in full monthly or the Salam delivery rate wipes out any Miles value.
Pros
- Only Islamic path to serious Skywards earning at the UAE's largest Islamic bank
- Documented Salam structure with charity-routed late payments
- Silver tier membership shortcut on the Infinite
Cons
- Mile earn rates per AED are not printed on the cards hub page
- 3.69% monthly rate punishes revolving balances
- Premium-tier annual fees apply subject to the KFS fee grid
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Product Details
Structure
salam
Profit Structure
Salam sale with 3.69% monthly rate for Salam delivery; late payment donation AED 236.25 to charity
Monthly Fee
Annual fees per DIB covered cards KFS range AED 210 to 2,625 by variant; confirm tier fee at application
Dubai Islamic Bank (DIB) in Ras Al Khaimah
Dubai Islamic Bank (DIB)'s Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum) is available to Ras Al Khaimah residents, using a salam structure. Sale-based personal finance fixes the total price at signing; check the Key Facts Statement for the reducing rate, fees, and early settlement policy. Dubai Islamic Bank (DIB) operates across the UAE, so Ras Al Khaimah residents have full access to this product.
Shariah Compliance & Oversight
DIB's Internal Sharia Supervision Committee (ISSC) has five members appointed by the 2024 General Assembly for a three-year term ending February 2027, with the appointments approved by the Higher Sharia Authority of the Central Bank of the UAE: Prof. Dr. Mohammad Abdul Rahim Sultan Al Olama (Chairman), Prof. Dr. Mohamed Ali Elgari (Vice Chairman), Prof. Dr. Muhammad Qaseem (Executive Member), Prof. Dr. Mohamad Akram Laldin (Member) and Sheikh Prof. Ibrahim Ali Abdulla Al Mansoori (Member). The ISSC independently supervises transactions, activities and products and its report is ratified at the AGM (dib.ae/about-us/leadership-team/ISSC and AGM disclosures, verified 2026-08-05).
2026-08-05
Why It's Halal
Same documented structure as DIB's other covered cards: the KFS names Salam as the basis, with the customer selling commodities for future delivery against an advance sale price deposited into an Investment Wakala account that funds card usage; the Emirates Skywards Covered Card is listed explicitly among the card varieties covered by this structure. Late payments trigger a fixed donation (AED 236.25) rather than penalty income to the bank, cash withdrawals carry a flat AED 94.50 fee, and the monthly rate for Salam delivery is 3.69%. A Sharia Certificate covering the Skywards cards is downloadable from dib.ae. Overseen by DIB's five-scholar ISSC.
Regional Availability
Dubai Islamic Bank (DIB) serves all of the UAE
✓ Available nationwide including Ras Al Khaimah
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NationwideFrequently Asked Questions
What is Dubai Islamic Bank (DIB) Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum)?
Why is Dubai Islamic Bank (DIB) Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum) considered halal?
Is Dubai Islamic Bank (DIB) Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum) available in Ras Al Khaimah?
What Shariah oversight does Dubai Islamic Bank (DIB) have?
What financing structure does Dubai Islamic Bank (DIB) Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum) use?
How do I apply for Dubai Islamic Bank (DIB) Emirates Skywards DIB Covered Card (Infinite / Signature / Platinum) in Ras Al Khaimah?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.