Are you a proud new Dubai Islamic Bank (DIB) Credit Card holder? Congratulations! You’re on your way to enjoying benefits, convenience, and security. But before you can start tapping, swiping, or shopping online, there’s one crucial step you need to complete: activating your credit card. Don’t worry; the process is straightforward, and I’m here to guide you through it with ease and a bit of fun.

Why Activate Your DIB Credit Card?

DIB Credit Card

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Before we dive into the “how,” let’s talk about the “why.” Activating your credit card is like unlocking a door to financial flexibility. It’s a security measure that ensures you are using the card, not someone who shouldn’t have it. Plus, until you activate it, that piece of plastic is just that—a piece of plastic. So, let’s turn it into your access key to shopping, rewards, and more!

Step-by-Step Guide to Activate DIB Credit Card

Activating your DIB Credit Card is as easy as pie, and you can do it from the comfort of your home or even on the go. Here’s how:

Online Banking

  1. Start the process: Begin by logging into your bank’s online platform or mobile app. This is your gateway to managing your finances, including debit or credit cards.
  2. Navigate to activation: Once logged in, look for the option labelled “Card Activation.” This section is dedicated to getting your new card ready for use.
  3. Set your PIN: Within the Card Activation area, you will find a menu option for setting your Personal Identification Number (PIN). Select “PIN” and then choose the “Set PIN” option.
  4. Choose your card: You will be prompted to select the debit or credit card you wish to activate. Make sure to pick the correct card from your list of available cards.
  5. Create your PIN: Enter a 4-digit PIN that you will remember easily but is hard for others to guess. You will need to enter this PIN twice to confirm your choice. This step is crucial for securing your card.
  6. OTP verification: Request a One-Time Password (OTP) to be sent via SMS to your registered mobile number. This adds an extra layer of security to the process.
  7. Enter the OTP: Once you receive the OTP on your mobile, enter it in the designated field. This step verifies your identity and ensures that the PIN setup is secure.
  8. Final confirmation: After entering the OTP, click the “Confirm” button. This action sets your chosen PIN and activates your card, preparing it for transactions.
  9. Completion: Congratulations! Your card is now active and secured with your personalised PIN. You can start using it for your purchases and withdrawals.

Phone Banking

  1. Start the call: Dial +97146092222 to reach Dubai Islamic Bank’s Phone Banking service.
  2. Choose language: After the call connects, select your preferred language to ensure you understand all instructions clearly.
  3. Skip virtual assistant: Press the asterisk (*) key to bypass the virtual assistant. This takes you directly to the standard Interactive Voice Response (IVR) system.
  4. Navigate to services: Press 3 to access options for reporting unauthorised transactions, blocking cards, activating cards, and generating PINs.
  5. Select card activation & PIN generation: Now, press 1 to choose the Card Activation & PIN Generation service.
  6. Enter card details: When prompted, carefully enter your 16-digit Debit/Credit Card number and expiry date to avoid errors.
  7. OTP verification: Shortly, you’ll receive a One-Time Password (OTP) on your registered mobile number. This is a security measure. Enter the OTP as instructed.
  8. Set your PIN: Choose a 4-digit Debit/Credit Card PIN. Make it memorable but not easily guessed. Enter your chosen PIN and confirm it by entering it again when prompted.

Mobile App

  1. Log in: Begin by logging into your account using your credentials to ensure secure access.
  2. Navigate the main menu: Once logged in, navigate to the main menu, a central dashboard displaying various options.
  3. Select portfolio: From the main menu, locate and select the “Portfolio” option to view your financial instruments and services.
  4. Select cards: Within the “Portfolio” section, find and click on “Cards” to access your list of debit and credit cards associated with your account.
  5. Choose a card: Browse your cards and choose the debit or credit card you wish to activate by clicking on it.
  6. Click activate: After selecting your card, click the “Activate” button to initiate activation.
  7. Set PIN: You will be prompted to set a Personal Identification Number (PIN) for your card. Enter a 4-digit PIN of your choice in the provided field.
  8. Confirm PIN: Confirm your chosen PIN by re-entering it in the confirmation field to ensure it’s correctly set.
  9. OTP request: Request a One-Time Password (OTP) for verification. This OTP will be sent to your registered mobile number to confirm your identity.
  10. Enter OTP: Once you receive the OTP on your mobile, enter it in the designated field on the screen.
  11. Confirmation: Finally, click on “Confirm” to complete the process. This action sets your chosen PIN and activates your card, making it ready for use.


  1. Start by locating the nearest DIB ATM/CDM: Your first step is to find a Dubai Islamic Bank (DIB) Automated Teller Machine (ATM) or Cash Deposit Machine (CDM) close to you. This is where you will be able to set or change your PIN.
  2. Insert your card into the machine: Take your DIB debit or credit card and insert it into the slot provided at the machine. Ensure the card is inserted correctly, following the instructions or the diagram usually shown near the card slot.
  3. Choose your preferred language: The screen will display language options after inserting your card. Select the language you are most comfortable with to proceed with the instructions easily.
  4. Wait for the One-Time Password (OTP): Upon selecting your language, you’ll receive a One-Time Password (OTP) via an SMS on your mobile phone. This mobile number should be the one you’ve registered with your DIB account.
  5. Enter the OTP: Once you receive the OTP on your mobile, enter it into the machine when prompted. This step is crucial for verifying your identity and ensuring the security of your transaction.
  6. Set your 4-digit PIN: After the OTP verification, you’ll be asked to set a new 4-digit PIN for your debit or credit card. Choose a PIN that’s secure yet easy for you to remember. Avoid obvious combinations like “1234”.
  7. Confirm your new PIN: Lastly, you’ll need to re-enter the new PIN for confirmation. Make sure to enter the same PIN you’ve just set. This step is important to ensure everything is correct in setting your PIN.

Benefits of Using Your DIB Credit Card

DIB Credit Card Benefits

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Now that your card is active, let’s talk about why it’s such a great tool to have in your wallet:

  • Rewards and cashback: Earn points or cashback on your purchases, which you can redeem for various rewards or discounts.
  • Security: With features like SMS alerts and chip-and-PIN technology, your transactions are secure, giving you peace of mind.
  • Convenience: No need to carry cash everywhere; your DIB Credit Card is accepted worldwide.
  • Flexible payments: Enjoy the flexibility of how much you pay back each month.

Tips for Managing Your Credit Card

To make the most of your DIB Credit Card, keep these tips in mind:

  • Pay on time: Avoid late fees and interest charges by paying your bill on time.
  • Stay within your limit: Keep track of your spending to ensure you don’t exceed your credit limit.
  • Review your statements: Regularly check your statements for any unauthorised transactions.
  • Keep your PIN secure: Never share your PIN with anyone, and avoid writing it down where others might find it.


Activating your Dubai Islamic Bank Credit Card is the first step towards unlocking a world of benefits. Following the simple steps outlined above, you can ensure your card is ready to use quickly. Remember, a credit card is not just a tool for spending; it’s a way to manage your finances smartly and securely. So, activate your card today and start enjoying the convenience and rewards that come with it.

About Author

Rizalie Gumalog

About Author

Rizalie Gumalog is a digital storyteller known for her eclectic writing styles that captivate audiences. With her almost 3 years of experience, she crafts engaging articles that build meaningful connections between brands and their audience. Drawing inspiration from nature and music, Riza is committed to creating enriching experiences and is always ready for new digital explorations.