Dubai Islamic Bank offers a wide range of credit cards such as lifestyle, travel, and rewards credit cards to meet the diversified needs of its customers. The Dubai Islamic Credit Cards offer incredible benefits ranging from discounted fares on tickets of the world renowned Emirates airline to promotions on dining, luxury shopping and much more. In short, the Emirates credit card owner can truly enjoy a rewarding experience.
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The ENBD credit card can be applied for either in person at an DIB branch or online by filling out an application form. The online application process is straightforward and fast. It can be performed in a couple of minutes if you have the necessary paperwork. The following are the documents that must be submitted in order to apply for an DIB credit card:
1. Original and a copy of Emirates ID (for UAE nationals).
2. Original passport and copy.
3. Latest salary certificate.
4. Original bank statement (or mini ATM statement) for 3 latest months.
5. A security cheque.
6. For corporate DIB credit card, the organization will have to present their original Trade License.
The DIB credit card allows customers to take advantage of top-of-the-line benefits. Here are just a few of the outstanding benefits of the DIB credit card:
1. No-Touch Payment – Nearly every DIB credit card has this feature, which is also known as contactless payment. It allows for speedy and secure payments while also preserving the card’s magnetic strip from wear and tear.
2. SMS Alerts – All DIB credit cards come with this security feature. Cardholders receive SMS alerts for every transaction made on their ENBD credit card, allowing them to quickly detect any fraudulent use.
3. 24/7 Support – The customer service representatives at DIB credit cards are well regarded. Support is provided 24 hours a day, 365 days a year, and may be accessed via online live chats as well as phone/text.
4. Online Banking – Cardholders can check their ENDB credit card account statement, execute online purchases, and even seek an increase in credit limit from anywhere using a sophisticated and extremely accessible online banking tool.
5. Installment Plans – Almost all DIB credit cards include an easy installment plan as an option. This gives the cardholder more spending power by transforming any major transaction into easy-to-pay monthly instalments at participating merchants for tenors of up to 12 months at 0% interest.
6. On-the-Spot Cash – All DIB credit cards provide cardholders with quick cash equivalent to 50% of their credit limit, which may be withdrawn from any ATM worldwide.
7. Protect Plus Insurance – It protects DIB credit card members in the event that they are unable to pay down their outstanding balance due to unforeseen circumstances. It pays out in the event of job loss, death, permanent disability, or terminal illness.
8. Purchase Protection – Some DIB credit cards include purchase protection in the event of damage, loss, or theft of new purchases. Purchase protection, which is available for purchases above USD 100, reimburses or replaces any stolen, lost, or damaged qualified item purchased with the DIB credit card.
DIB credit cards offer a wide range of benefits, some of which are listed below:
1. Supplementary Cards – Members of the DIB credit card can apply for supplemental cards for their qualified family members with ease. Not only do these cards have a set spending limit, but every purchase made with the supplementary ENBD credit card earns the primary cardholder loyalty points.
2. Flight Benefits – Emirates Skywards credit card is the perfect example of a card with flight benefits. The credit card enables the cardholder to accumulate Skywards Miles by making purchases with the card. In addition, the card also enables the cardholder access to hundreds of premium airport lounges all over the world, regardless of ticket and class.
3. Travel Advantages – From complimentary hotel stays and room upgrades to discounts on gourmet meals and travel insurance, the travel range of DIB credit cards offers fantastic benefits to the cardholder with active and adventurous lifestyles.
4. Roadside Assistance – One of the best DIB credit card benefits is roadside assistance. The services include changing flat tyres, battery boosting, fuel delivery, and towing.
5. Complimentary Valet Parking – YAS Mall, Khalidiya Mall, Ferrari World, and Yas Waterworld are just a few of the prominent shopping malls in the UAE where DIB credit cards give a maximum of four free valet parking services per month.
6. Salik Auto Top-Up – All the DIB Credit Cards includes the option of setting up automated Salik recharge through online banking or mobile as soon as the balance reduces. The DIB credit card limit is used up to the extent of top-up amount.
The cardholder can enjoy many DIB credit card benefits and offers, provided that they meet the eligibility criteria mentioned below:
1. Age – All DIB credit cards come with a minimum age requirement of 18 years. The applicants below the age of 18 years can apply for an DIB credit card via a joint application, with a legal guardian as co-signer.
2. Employment – When applying for an DIB credit card, the applicant needs to provide salary statements for three months. The self-employed applicant applying for the DIB card needs to provide their trade license.
3. Minimum Monthly Salary – As mentioned before, every Emirates credit card comes with a minimum monthly salary requirement. The better the DIB credit card offers are, the higher the required minimum monthly salary will be.
4. UAE Residency – The applicant applying for an DIB credit card is required to be a resident of the UAE. He/she will be asked to provide valid ID and residency proof.
5. Credit History – Poor credit history can reduce the chances of the DIB credit card application approved. In order to maintain a good credit history, the applicant needs to ensure that they pay their dues on time.
