What are the Documents Require for DIB Credit Card in UAE?

You must provide important documents when applying for a (DIB) credit card in the UAE. These documents help the bank confirm who you are, where you live, and your income. It’s a necessary step to make sure you meet their requirements. Whether you’re a UAE citizen or an expat, having these documents ready will make the process smoother and faster.

In this guide, we’ll go over exactly what you need to apply for a DIB card in the UAE.

Understand About DIB

Dubai Islamic Bank (DIB), started in 1975, is the world’s first full-service Islamic bank. Based in Dubai, UAE, it’s now the biggest Islamic bank in the country. DIB provides various financial products and services that follow Sharia law.

It offers current and savings accounts, credit cards, personal and business loans, investments, and wealth management. DIB’s products are different from regular banking because they follow Islamic principles.

Key Requirements for DIB Credit Card Application

You must meet a few essential requirements to apply for a Dubai Islamic Bank (DIB) credit card. While DIB offers different types of credit cards, like basic or premium cards, the essential documents you need are usually the same.

Proof of Identity for DIB Credit Card in UAE

One of the most important things you’ll need is proof of identity. Whether you’re a UAE citizen, resident, or expat, providing proper identification is necessary to start your application.

For UAE Nationals:

• A valid Emirates ID is required.

For Expats/Non-Nationals:

• A valid passport along with a visa page.
• Proof of residency (this can usually be found on your passport’s visa page).

Your identity documents help confirm that you’re legally living in the UAE and eligible to access financial services like a credit card. Having these ready makes the process smoother and ensures your application moves forward quickly.

Why Choose a Dubai Islamic Bank Credit Card?

(DIB) is renowned for its Sharia-compliant banking services, making it a preferred choice for individuals looking for ethical financial products. With a DIB (CC), you adhere to Islamic banking principles, such as zero interest (in line with Sharia rules), and enjoy various perks and rewards.

Here are some key Benefits of Choosing a DIB card:

Sharia-compliant: Ideal for those who want to follow Islamic finance principles.

Cashback and rewards: Earn cashback and other rewards on your purchases.

Flexible repayment options: Manage your payments with ease through multiple payment plans.

Exclusive promotions and discounts: Access special deals and discounts with partnered retailers.

Documents Needed for a Dubai Islamic Bank Credit Card Application

When you’re ready to apply for a Dubai Islamic Bank (DIB) credit card, you must gather several important documents. These documents can be grouped into a few key categories.

1.    Employment and Salary Proof for DIB Credit Card

Your employment and income details are crucial for the application process. DIB will evaluate your ability to repay the credit card based on your salary or income source. Here’s what you’ll typically need:

Salary Certificate: This document should come from your employer and include your job title, monthly salary, and employment status. It confirms that you are currently employed and earning a steady income.

Income Proof for Freelancers or Self-Employed Individuals: If you’re self-employed or freelance, you must provide proof of income. This can include bank statements that show a consistent flow of income.

It’s worth noting that most DIBC cards have a minimum salary requirement, ranging from AED 5,000 to AED 10,000, depending on the specific card you’re applying for.

2.    Bank Statements and Financial Proof

Demonstrating financial stability is another essential part of your credit card application. DIB often requires recent bank statements to ensure you manage your finances responsibly. Typically, you’ll need to provide:

3 to 6 Months of Recent Bank Statements: These statements help verify your financial habits and confirm that you have a reliable source of income.

These statements also serve as additional proof of income for those whose salaries are directly deposited into their bank accounts. However, if you receive your salary in cash, it’s important to have proper documentation in place, as this could complicate your application. Having everything well-documented will increase your chances of a smooth application process.

Features of Dubai Islamic Credit Card

(DIB) credit cards have exciting features that make them attractive for everyday spending and special purchases.

1.    Cashback Rewards

Enjoy cashback ranging from 3% to 4% on purchases. It means you get money back on what you spend, making your expenses more rewarding.

2.    Reward Points

Earn reward points for every AED you spend, whether it’s on local or international expenses. It can add up quickly, giving you even more value for your money.

3.    Travel Benefits

Take advantage of travel perks on your everyday expenses. Whether booking flights or making hotel reservations, you’ll enjoy additional benefits.

4.    Welcome Bonus

When you first get your card, you receive high reward points as a welcome bonus. It is a great way to kickstart your rewards journey.

High Cash Withdrawal Limit: Access a higher cash withdrawal limit, giving you more flexibility when you need cash.

5.    Low or No Internet Charges

Enjoy the convenience of low or no charges for online transactions, making shopping and paying online without extra fees easier.

6.    Travel and Purchase Protection

Feel secure with travel and purchase protection, ensuring you’re covered when making significant purchases or traveling.

7.    Flexible Spending Requirements

There’s typically no or low minimum spend required to enjoy the card’s privileges, allowing you to benefit without feeling pressured to spend a lot.

8.    Monthly Subscription Fees

A monthly fee ranging from AED 195 to AED 1,000 is charged, depending on the type of card you choose. This fee covers the extensive benefits provided.

9.    Easy Payment Plans

Convert your purchases into easy payment plans, making it easier to manage more considerable expenses without straining your budget.

Learn more about the Features of DIBCC.

Additional Documents for Expats in UAE

Expats applying for a Dubai Islamic Bank (DIB) credit card have a few extra requirements compared to UAE citizens. Since they aren’t nationals, they must provide additional documents to verify their residency and eligibility for financial services.

Here are the essential documents ex-pats will need:

1.    Passport Copies

You’ll need to submit copies of your passport, including the page that shows your UAE visa. This helps confirm your identity and legal status in the country.

2.    Tenancy Contract

A copy of your tenancy contract or another document proving your UAE residency is necessary. This confirms that you are living legally in the country. Additionally, if you hold a driving license from another country, it must be translated to meet local regulations. “Q Links” provides expert Driving License Translation in Dubai, ensuring your documents are ready for banking and driving requirements.

Some banks may also ask for a utility bill or similar paperwork to verify your physical address. Having all these documents in order is essential for a smooth application process, ensuring you meet the bank’s requirements without hiccups.

1.    What types of credit cards does DIB offer?

DIB offers a variety of credit cards, including essential, premium, and specialized options tailored to different financial needs.

2.    What documents do I need to apply?

If you’re an expat, you’ll need proof of identity, employment details, and residency documents, so check the specific requirements.

3.    Is there a minimum salary requirement?

Depending on the card type, most DIBCCs have a minimum salary requirement, typically between AED 5,000 and AED 10,000.

4.    Are there any fees associated with the card?

Yes, monthly subscription fees vary by card type, usually ranging from AED 195 to AED 1,000.

5.    Can I earn rewards with my CC?

Absolutely! you can earn cashback and reward points on your purchases for added value.

6.    What is the cashback percentage?

DIB cards typically offer cashback between 3% and 4% on purchases, enhancing your spending benefits.

7.    Can I convert my payments into easy payment plans?

Yes, you can convert your purchases into easy payment plans, making it easier to manage more considerable expenses over time.

8.    What protections do (DIBCC) offer?

It includes travel and purchase protection, ensuring coverage for significant purchases and travel-related expenses.

9.    How do I access my account online?

You can access your “DIBCC” account online via the DIB mobile app or website for easy account management.

10.  What should I do if I lose my card?

If you lose your DIBC card, contact customer service immediately to block the card and request a replacement for your security.

Conclusion

Dubai Islamic Bank (DIBCC) is an excellent option for UAE nationals and expats. It caters to diverse financial needs with various cards, attractive cashback rewards, and Sharia-compliant features. Understanding the application requirements can simplify your journey, allowing you to enjoy everyday convenience, travel benefits, and financial flexibility.