Credit Card in UAE

Dubai Islamic Bank (DIB) Reward Points Credit Cards in UAE

Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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Established in the year 1975, Dubai Islamic Bank (DIB) achieved 15th position among the best 100 companies in the MENAT region within a span of 45 years. When it comes to Islamic banking, DIB is one of the most reliable financial institutions in the UAE. It comes up with a range of Islamic banking services and products in compliance with the highest standards of Sharia laws and follows the principles of Islamic banking for profit generation. Among the banking products, Dubai Islamic Bank offers retail, business, and corporate bank accounts, Islamic deposit schemes, and investment banking solutions. Apart from various bank accounts, the bank also offers a range of credit cards and loan services to fulfill the financial needs of customers. 

To offer quick and convenient short term loans, the bank offers credit cards with an unmatched collection of benefits and privileges. As a part of its loyalty program, the bank comes with DIB reward points credit cards that help you earn reward points on each and every purchase. You can redeem these points to avail of additional discounts and offers on travel and hotel bookings, retail shopping and other lifestyle benefits. In addition, the DIB credit cards are easy to afford and have low salary requirements. Scroll through the article to find out more about DIB reward points credit cards. 

Best Dubai Islamic Bank (DIB) Reward Points Credit Cards in the UAE

With a range of reward credit cards, it can be confusing to choose the best reward points credit card in the UAE. So we have compiled a list of DIB reward points credit cards with the best reward programs. 

DIB Al Islami Gold Premium Credit Card

DIB Al Islami Gold Premium Credit Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Purchase Protection
  • Travel insurance
  • Personal Accident

Features & Benefits of DIB Al Islami Gold Premium Credit Card

  • With the DIB Al Islami Gold Premium credit card, you get access to the Wala’a Reward program. For each retail and online spending, you earn 2 Wala’a reward points per AED spent.
  • For bill payments like Govt., telecom, petroleum and education expenses, you get up to 0.5 Wala’a reward points per AED 1. 
  • The credit card is free for life, meaning you won’t have to pay an annual fee whatsoever. 
  • The bank offers optional credit shield takaful cover against involuntary loss of employment, permanent disability and cardholder’s death. 
  • With the Al Islami Gold Premium credit card, you get extensive roadside assistance, free yearly registrations, pick up and drop off services. 
  • When you book your tickets using the Al Islami credit card, you get travel accident and inconvenience insurance up to USD 87,500. 

DIB Prime Classic Credit Card

DIB Prime Classic Credit Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Credit Shield Takaful
  • Card Protection Plus

Features & Benefits of DIB Prime Classic Credit Card

  • With the DIB Prime classic credit card, you get exclusive access to the Wala’a Reward program. For each retail and online spending, you earn 1 Wala’a reward point per AED spent.
  • For bill payments like Govt., telecom, petroleum and education expenses, you get up to 0.5 Wala’a reward points per AED 1.
  • The credit card comes with a high cash advance limit, and you can withdraw cash up to 80% of the card limit. Additionally, you can also transfer the same amount to your DIB bank account. 
  • Using the balance transfer facility, you can transfer the outstanding balance from another credit card up to 80% of the card limit without any documentation. 
  • With the Al Islami credit card, you get travel accident insurance of up to USD 50,000 for yourself and your family.
  • The card also comes with complimentary roadside assistance, including vehicle service pick up and drop, free registration once a year, fuel refilling and more. 
  • To get protection against your outstanding balance during unforeseen events, you can opt for an optional credit shield takaful cover. 

DIB Johara Gold Premium Credit Card

Johara Gold Premium Credit Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee AED 0
  • Free for Life
  • Credit Shield Takaful
  • Travel Insurance
  • Roadside Assistance
  • Balance Transfer
  • Hotel Discount

Features & Benefits of DIB Johara Gold Premium Credit Card

  • With the Johara Gold Premium credit card, you get 2 Wala’a reward points per AED spent on each retail and online expenditure.
  • When you book your tickets using this credit card, you get a complimentary travel inconvenience and personal accident cover of up to AED 87,500 for yourself and your family. 
  • With optional takaful protection, you can secure your credit card outstanding balances for up to AED 200,000 in case of death and permanent disability and AED 30,000 for involuntary loss of employment.
  • Using the Johara credit card, you can avail of up to 3 complimentary roadside assistance in a calendar year.

DIB Prime Platinum Credit Card

DIB Prime Platinum Credit Card
Free for life
  • Minimum Salary AED 15,000
  • Annual Fee Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Credit Shield Takaful

Features & Benefits of DIB Prime Platinum Credit Card

  • With a Prime Platinum credit card, you get instant access to the Wala’a Reward program and can earn up to 2.5 Wala’a reward points for each AED spent locally or internationally. 
  • For ticket bookings using the Prime Platinum credit card, you get free travel accident and inconvenience insurance of up to USD 100,000.
  • The card offers a global purchase protection facility when you buy a product with a credit card. This facility secures your item for up to USD 3000 per occurrence of damage. 
  • You can consolidate balances of up to 80% of your credit limit from another credit card. 
  • To get protection against your outstanding balance during unfortunate events, you can opt for an optional credit shield takaful cover. 
  • The card also comes with complimentary roadside assistance up to 3 times in a calendar year. 

DIB Prime Gold Credit Card

DIB Prime Gold Credit Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Credit Shield Takaful
  • Card Protection Plus
Reward Value: NA

Features & Benefits of DIB Prime Gold Credit Card

  • With the Prime Gold credit card, you earn 1.5 Wala’a reward points per AED for every purchase made using the credit card locally or internationally.
  • For bill payments like Govt., telecom, petroleum and education expenses, you get up to 0.5 Wala’a reward points per AED 1.
  • When you book tickets using the Prime Gold credit card, you get a travel accident and inconvenience cover of up to USD 75,000 for yourself and your family. 
  • The credit card offers a high cash advance limit and lets you withdraw cash up to 80% of your available credit limit. Additionally, you can transfer the same amount to your DIB bank account. 
  • With the credit card, you get up to 3 complimentary roadside assistance, including fuel refilling, battery boost, flat tyre fixing and more. 
  • The card also comes with takaful protection for your outstanding balances. It provides security against your balances during unforeseen events such as involuntary loss of employment, permanent disability and cardholder’s death. 
  • With the credit card balance transfer facility, you can consolidate balances from another credit card for up to 80% of your credit limit. 

DIB Prime Signature Credit Card

DIB Prime Signature Credit Card
Free for life
  • Minimum Salary AED 25,000
  • Annual Fee Free for Life
  • free for life
  •  
  • Airport Lounge Access
  • Valet Parking
  • Balance Transfer
  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance

Features & Benefits of DIB Prime Signature Credit Card

  • With the DIB Prime Signature credit card, you get immediate access to the Wala’a Reward program. For each retail and online spending, you earn 3 Wala’a reward points per AED spent.
  • For utility bill payments like Govt., telecom, petroleum and education expenses, you get up to 0.5 Wala’a reward points per AED 1.
  • The credit card comes with a host of lifestyle and travel benefits like dining, airport lounge access and personalised concierge service. 
  • To provide you with a stress-free shopping experience, the credit card comes with purchase protection and an extended warranty feature. 
  • Using the credit card, you can avail yourself of free valet parking at key locations in the UAE
  • The card also comes with extensive roadside assistance that includes towing, vehicle pick-up and drop-off, fuel assistance, flat tyre fixing, inter Emirates towing and much more.
  • To get protection against outstanding balances during unforeseen events, you can opt for credit shield takaful insurance. 
  • With the balance transfer feature, you can transfer outstanding balances from another credit card for up to 80% of your credit limit.  

DIB Prime Infinite Credit Card

DIB Prime Infinite Credit Card
Free for life
  • Minimum Salary AED 50,000
  • Annual Fee AED 0
  • free for life
  • Balance Transfer
  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance

Features & Benefits of DIB Prime Infinite Credit Card

  • For each expense using the Prime Infinite credit card, you earn 1 Wala’a reward point for every AED 1 spent locally or internationally. 
  • The card also offers 0.5 Wala’a reward points per AED 1 for utility bill payments such as telecom, education, petroleum, and govt. services. 
  • With the Prime Infinite credit card, you get various lifestyle benefits like fine dining, entertainment offers, golf privileges and much more.  
  • Along with the lifestyle offers, you also get various travel benefits, including stay at luxury hotels from Visa, airport lounge access, personalised global concierge service, and multi-trip travel insurance. 
  • The card also comes with purchase protection and an extended warranty feature to secure your purchases against damages and accidents.  
  • You can get protection against your outstanding balances during unforeseen events through Credit Shield insurance.
  • Using the balance transfer facility, you can transfer outstanding balances from another credit card for up to 80% of your credit limit. 
  • With the Prime Infinite credit card, you can avail of unlimited roadside assistance, including inter emirates towing and a free international driving license.

List of DIB Rewards Credit Card with Salary Requirement

Type of Dubai Islamic Bank Reward Credit Card

Salary Needed

Al Islami Gold Premium Credit Card

  • A salary of at least AED 5,000 per month or above

Prime Classic Credit Card

  • A salary of at least AED 5,000 per month or above

Johara Gold Premium Credit Card

  • A salary of at least AED 5,000 per month or above

Prime Platinum Credit Card

  • A salary of at least AED 5,000 per month or above

Prime Gold Credit Card

  • A salary of at least AED 5,000 per month or above

Prime Signature Credit Card

  • A  salary of at least AED 15,000 per month or above

Prime Infinite Credit Card

  • A salary of at least AED 20,000 per month or above

Eligibility Criteria for DIB Reward Points Credit Cards

While applying for a DIB reward points credit card, you need to fulfil a few eligibility criteria related to your age, financial status and residency. The requirements may vary on the card to card basis. The common eligibility criteria pertaining to DIB reward points credit cards are as follows. 

  • Age - Applicant’s age is one of the basic criteria to apply for the reward points credit card. While applying for the DIB credit card, you need to ensure you are above 21 years of age. The bank may also consider the upper age limit of 65 years depending on the individual.
  • Income Requirement - Each DIB credit card has an income requirement that you need to satisfy before applying for it. The reward points credit cards from DIB have a salary requirement between AED 5,000 to 20,000, depending on the privileges they offer.
  • Residency - Most banks in the UAE offer reward credit cards to UAE nationals and individuals. Before applying for a DIB credit card, you need to satisfy the residency criteria as per your preferred card. 
  • Credit Score - You need to ensure a decent credit history and score while applying for a credit card. The bank may accept or reject your credit card application depending on the credit score.  

Credit Score - Policybazaar uae

Documents Required for DIB Reward Points Credit Card

Once you have verified your eligibility for a reward points credit card, you need to submit supporting documents related to your finances, address and identity. Following is the list of documents you need during credit card application. 

  • A valid passport in original and a copy. 
  • A valid Emirates ID in original and a copy for UAE nationals and residents. 
  • Latest bank account statement (not older than 3-6 months). 
  • Income certificate issued by your present employer or latest salary slips not older than a month. 

Note - The may ask for additional documents for record and verification at its discretion. To have a hassle-free application process, collect all the relevant documents and proof.  

How to apply for DIB Reward Points Credit Cards?

To offer a convenient application process, DIB accepts credit card applications via multiple online and offline channels. You can choose the mode of application at your ease. Following are the ways to apply DIB reward points credit cards. 

  • Online Application - For online application, you can visit DIB’s official website and select the best reward points credit card as per your financial needs. Later, enter your personal and contact details such as e-mail id and mobile number. The bank will approach you for the further application process within the next couple of business days.
  • Offline Application - You need to visit a nearby DIB bank branch with all the relevant documents and fill up of credit card application form. You can take the guidance of the bank representative if required. After applying successfully, you will receive your credit card at your registered address within 4-5 days. 

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Fees & Charges on DIB Reward Point Credit Card in the UAE

The list below depicts various charges and fees on DIB reward point credit cards in the UAE. 

Type of DIB Credit Card

Annual Fee

DIB Al Islami Gold Premium Credit Card

No Annual Fee

DIB Prime Classic Credit Card

DIB Johara Gold Premium Credit Card

DIB Prime Platinum Credit Card

DIB Prime Gold Credit Card

DIB Prime Signature Credit Card

DIB Prime Infinite Credit Card

Other Fees

Finance Charges (Profit Rates)

3.35% per month

Cash Withdrawal Fee

AED 94.50

Late Payment Fee

AED 236.25

Cash on Card/ Balance Transfer/ Easy Payment Plan

3.15% profit rate per month

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FAQ's on DIB Rewards Credit Card in UAE

What are Wala’a reward points?

As a part of the loyalty program, Dubai Islamic Bank offers rewards points on each and every purchase you make using a DIB credit card. You can redeem these reward points to earn exclusive discounts on shopping, travel, lifestyle and entertainment expenses.

What is the value of one Wala’a reward point?

DIB’s reward point program is fairly simplified, and one Wala’a reward point value is 0.005 AED, meaning each dirham equals 200 Wala’a reward points.

How can I redeem my Wala’a reward points on DIB credit cards?

To redeem your Wala’a reward points, you need to log into your DIB credit card account and select the redemption option from the reward and cashback section. Additionally, you can contact the Dubai Islamic Bank customer support team for Wala’a reward points redemption.

Do I need to pay an annual membership fee for using a DIB reward points credit card?

Most DIB reward credit cards do not include an annual membership fee. However, you may need to pay a monthly subscription fee depending on the credit card you apply for.

Can I withdraw cash from an ATM using my DIB reward points credit card in the UAE?

Yes, you can conveniently withdraw cash from ATMs across the UAE for up to 80% of your allotted credit limit.

Do I get flight booking discounts using the Wala’a reward points?

Yes, you can avail yourself of flight ticket discounts through Wala’a reward points. You need to contact your bank or use the DIB Mobile application to redeem the points for ticket bookings.