*Terms & Conditions apply
With DIB XTRA Salary Transfer Account, you can enjoy up to AED 16,000 Joining Bonus. That is not all, get an additional 15% Joining Bonus for Digitally enrolled products.
1. Start a new salary transfer relationship; and
2. Avail a new Finance facility and/or Covered Card product
| Joining Bonus for UAE National Customers (AED) | ||||||
|---|---|---|---|---|---|---|
| Customer Monthly Salary (AED) | Salary Transfer | Personal Finance | Auto Finance | Covered Card | Home Finance (Evaluation Fee Waiver) | Total |
| 5,000 to 7,999 | 500 | 400 | 150 | 300 | 0 | 1,350 |
| 8,000 to 14,999 | 1,000 | 1,500 | 300 | 400 | 2,500 | 5,700 |
| 15,000 to 34,999 | 2,000 | 2,500 | 400 | 800 | 2,500 | 8,200 |
| 35,000 to 49,999 | 3,500 | 5,000 | 1,000 | 1,000 | 2,500 | 13,000 |
| 50,000 and more | 5,500 | 6,000 | 1,000 | 1,000 | 2,500 | 16,000 |
| Joining Bonus For Expatriate Customers (AED) | ||||||
|---|---|---|---|---|---|---|
| Customer Monthly Salary (AED) | Salary Transfer | Personal Finance | Auto Finance | Covered Card | Home Finance (Evaluation Fee Waiver) | Total |
| 5,000 to 7,999 | 250 | 250 | 50 | 300 | 0 | 850 |
| 8,000 to 14,999 | 500 | 500 | 75 | 400 | 2,500 | 3,975 |
| 15,000 to 34,999 | 1,000 | 1,000 | 100 | 800 | 2,500 | 5,400 |
| 35,000 to 49,999 | 2,500 | 2,000 | 500 | 1,000 | 2,500 | 8,500 |
| 50,000 and more | 3,000 | 2,500 | 500 | 1,000 | 2,500 | 9,500 |
In the tables above the joining bonus for “Covered Cards” have been shown based on an assumption of a card type for each salary bucket.
The joining bonus for Covered Cards will be based on the product availed and meeting the minimum spend criteria, as reflected in the table below:
| Card Type | Joining Bonus (AED) | Covered Card minimum Spends Requirement for Joining Bonus (within 60 days) (AED) |
|---|---|---|
| SHAMS/EK Infinite | 1,000 | 10,000 |
| SHAMS/EK Signature | 800 | 8,000 |
| SHAMS/EK/Consumer Platinum | 400 | 4,000 |
| Consumer Reward | 300 | 3,000 |
Offer Period: May 12, 2025 - December 31, 2025
For DIB XTRA details, please find the below:
Click here for Terms and conditions
Click here for Frequently asked questions
Click here for Warnings
For other DIB products details, please find the below:
For Fees & Charges, click here
For Key Fact Statement, click here
For Warnings, click here
