Dubai Islamic Bank has lowered two of the category caps on its Consumer Cashback cards, from 10 October 2026. The cashback rates stay the same. What falls is the most you can earn each month on supermarkets and hypermarkets and on school fees.
The change is footnoted on both of DIB’s card pages. Kredit.ae first reported it in July. The figures below come from DIB’s own pages.
What changed
| Monthly cap | Reward card (3%) | Platinum card (4%) |
|---|---|---|
| Supermarkets & hypermarkets | AED 300 → AED 200 | AED 400 → AED 300 |
| School fees | AED 300 → AED 200 | AED 400 → AED 300 |
| Total per billing cycle | AED 1,000, unchanged | AED 1,000, unchanged |
The other categories keep their caps. On the Reward card that is car servicing (AED 300), Etisalat and du bills, fuel, and utility bills (AED 100 each), and Salik and Nol top-ups (AED 25). On the Platinum card it is car servicing (AED 400), Etisalat and du bills, fuel and utility bills (AED 150 each), and Salik and Nol (AED 50).
The spending floors are unchanged too. You still need AED 3,000 of retail spend a month on the Reward card, or AED 4,000 on the Platinum, to earn any cashback at all.
What it costs you, in dirhams
The new caps arrive sooner:
- Reward card: 3% hits the new AED 200 cap at about AED 6,667 of monthly spend in the category. It used to take AED 10,000.
- Platinum card: 4% hits the new AED 300 cap at AED 7,500. It used to take AED 10,000.
The most a household can lose is AED 100 a month in each category. If you spent at least AED 10,000 a month on both groceries and school fees, you could lose AED 200 a month on either card. If you spend less than AED 6,667 a month on groceries with the Reward card, or less than AED 7,500 with the Platinum, nothing changes for that category.
School fees are where large monthly bills appear. Families who pay a term’s fees in one go on the card will feel this most, because the cap is monthly.
Our card page
Our DIB Consumer Cashback review now shows the new AED 200 caps for supermarkets and school fees on the Reward card, updated on 13 October 2026. We do not cover the Platinum card separately.
Sources
- DIB, Consumer Cashback Reward Card
- DIB, Consumer Cashback Platinum Card
- First reported by Kredit.ae, 28 July 2026: DIB Consumer Cashback Caps Change on 10 October 2026
Checked against both DIB card pages on 13 October 2026.
