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Dubai Islamic Bank
Emirates Skywards DIB Signature Covered Card
No salary transfer needed
Min. salary
AED 15,000
Annual fee
AED 1,575
Monthly rate
3.49%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
50.9%
01Fees & rates
What it costs.
- Annual fee
- AED 1,575
- Monthly rate
- 3.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.9%
- Minimum salary
- AED 15,000
- 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.
- 50,000 bonus Skywards Miles on card approval
- 15,000 Skywards Miles on card activation
- Access to 850 airport lounges via LoungeKey
- 1.5 Skywards Miles per USD spent on Emirates tickets
- 0.75 Skywards Miles per USD spent on local purchases
- Complimentary travel insurance
- Free valet parking (3 per month)
- International concierge service access
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.