Last Updated on 12 February 2026
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Dubai Islamic Bank DIB XTRA Salary Transfer Account
DIB XTRA Salary Transfer Account
Features
- Guaranteed joining bonus of up to AED 16,000
- Zero minimum balance requirement
- Free online international money transfers
- Additional bonus for digital onboarding
- Access to exclusive credit card privileges
- Preferential personal, home, and auto finance options
- Easy salary transfer process
- Fully Sharia-compliant banking
- Minimum monthly salary transfer: AED 5,000
- Salary must be transferred directly from your employer
- Salary must be credited through approved channels (such as WPS or employer transfer)
- Cash deposits, cheque deposits, or personal transfers do not qualify as salary transfer
- Eligibility for the joining bonus depends on: Salary bracket
- Number of eligible products availed
- Meeting campaign timelines and conditions
Required Documents
- Valid Emirates ID
- Passport with valid UAE residence visa (for expatriates)
- Salary transfer letter or recent salary slips
- Latest bank statements (if required)
- Completed account opening application
- Additional documents may be requested based on individual profile, employer category, or regulatory requirements.
Main Benefits
- Guaranteed Cash Bonus: Earn a guaranteed joining bonus of up to AED 16,000 based on your salary level and eligible product combination.
- Zero-Balance Banking: No requirement to maintain a minimum balance in your account..
- Free International Transfers: Send money internationally through DIB’s online banking channels without transfer charges (subject to terms)..
- Exclusive Card Benefits: Access travel, lifestyle, and reward privileges on eligible covered credit cards..
- Preferential Finance Options: Enjoy competitive personal finance limits, instalment holiday options (subject to approval), and reduced evaluation fees on home finance.
Frequently Asked Questions
Q. What is the DIB XTRA Salary Transfer Account?
A. It is a salary transfer account from Dubai Islamic Bank that offers guaranteed cash rewards, zero minimum balance banking, and exclusive finance and lifestyle benefits when you transfer your salary to DIB.
Q. What is the minimum salary required?
A. A minimum monthly salary transfer of AED 5,000 is required to qualify for campaign benefits.
Q. How much joining bonus can I receive?
A. You can receive a guaranteed joining bonus of up to AED 16,000, depending on your salary and the number of eligible products you avail.
Q. Is there a minimum balance requirement?
A. No, there is no minimum balance requirement for the DIB XTRA Salary Transfer Account.
Q. Who is eligible to apply for this account?
A. Salaried individuals who transfer their salary to Dubai Islamic Bank and meet the bank’s eligibility criteria can apply.
Q. Is there an additional benefit for digital onboarding?
A. Yes, customers who apply through digital channels may be eligible for an additional joining bonus, subject to campaign terms.
Q. Are international money transfers free?
A. Yes, international transfers made through DIB’s online banking channels are free of charge, as per applicable terms and conditions.
Q. Can existing DIB customers avail the joining bonus?
A. Existing customers may be eligible if they initiate a new salary transfer and meet campaign conditions, subject to approval.
Q. What banking products can be availed with this account?
A. Customers may apply for:
Personal Finance
Home Finance
Auto Finance
Eligible Covered Credit Cards
Availing eligible products may increase the joining bonus, subject to campaign terms.
Q. Is the DIB XTRA Salary Transfer Account Sharia-compliant?
A. Yes, the account and associated products are fully Sharia-compliant.
Dubai Islamic
Dubai Islamic Bank (DIB), established in 1975 is the pioneer of Islamic banking that has seen a phenomenal growth. The Bank since inception has remained customer-centric organization, where honesty and customized personal service form the basis of all relationships. Though sticking to its root traditions, the bank equally blends with the commitment of innovation, flexibility, and modernity. Every customer of the bank is provided with comprehensive solutions for any financial need.
The bank works with the vision of providing unsurpassed customer service and becoming the world’s largest Islamic banking corporation.
Get in touch with Dubai Islamic Bank Customer Care