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Dubai Islamic Bank Al Islami Gold Credit Card Features & Benefits

By PolicyBazaar
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Published: 19 October 2019Last Updated On: 12 November 2020

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From home appliance to bill payments, the Dubai Islamic Bank Al Islami Gold Credit Card offers its potential customers access to savings across plenty of lifestyle categories expenditures. In addition to this, it entitles you to the DIB loyalty program - Wala’a Rewards automatically helping you get travel discounts and various other lifestyle privileges.

Key Highlights of the Dubai Islamic Bank Al Islami Gold Credit Card

  • A minimum monthly salary of 5,000 dirhams is required to be eligible for this card.
  • Zero annual membership fee
  • Travel & personal accident insurance
  • Monthly card subscription - 375 dirhams

Main Dubai Islamic Bank Al Islami Gold Credit Card Features

This industry-leading Dubai Islamic Bank Al Islami Gold Credit Card offers the following features:

Zero Annual Membership Fee

This DIB credit card charges zero annual membership fee thus you don’t need to pay any annual charges.

Credit Shield Takaful

Catered to all the Dubai Islamic Bank Al Islami Gold Credit Card members, Credit Shield Takaful is an insurance plan. For a minimal fee of 0.89 percent of the card outstanding amount, this credit shield takaful feature protects your card payments up to a certain amount in an unforeseen event such as total disability, loss of employment, or even death. Below specified is the maximum coverage:

  • Death: 200,000 dirhams
  • Permanent Total Disability: 200,000 dirhams
  • Involuntary loss of employment: 30,000 dirhams

Top Dubai Islamic Bank Al Islami Gold Credit Card Benefits

Following are the key benefits of Al Islami Gold Credit Card offered by the Dubai Islamic Bank:

Wala’a Rewards - DIB Loyalty Program

As a member of the Dubai Islamic Bank Al Islami Gold Credit Card, you can get instant access to the DIB Loyalty Program that is known as Wala’a Rewards Program. The best thing is you will automatically become a member of this reward program.

Moreover, you can earn 2 Wala’a rewards for every 1 dirham spent on retail expenditures and then redeem these rewards for plenty of purposes such as bill payments, retail purchases, hotel stays, air tickets, and much more.

Travel & Personal Accident Insurance

On buying travel tickets with this Dubai Islamic Bank Al Islami Gold Credit Card, you can enjoy free travel & personal accident insurance cover. This complimentary insurance plan offers coverage for delayed departure, personal accident, emergency medical expenses, dental care, loss of baggage (US$ 1,500 for Gold Credit Card members), loss of valuables/cash, and much more.

Roadside Assistance

You can enjoy a maximum of three roadside assistance services per year with this DIB Credit Card. This service includes:

  • Towing
  • Fuel assistance
  • Lock-out service
  • Battery boost
  • Flat tyre fixing
  • Vehicle servicing (pick-up & drop-off)
  • Free vehicle registration yearly
  • Unlimited car services
  • A replacement car (for 24 hours in an event of an accident)
  • 75 percent discount on the international driving license
  • Off-road pull out- Three complimentary services yearly

The Bottom Line

With no annual fee and low monthly income requirement, this card is ideal for all types of spenders. The Dubai Islamic Bank Al Islami Gold Credit Card offers a variety of exclusive features, benefits, and privileges to its customers that are unmatched by any other credit cards available in the United Arab Emirates. Also, it entitles you to a Dubai Islamic Bank reward program known as Wala’a rewards automatically, helping you to make the most of your every single retail spend. In simple words, this DIB credit card is the perfect epitome of a lifestyle credit card.