Dubai Islamic Bank Al Islami Gold Premium Credit Card

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Dubai Islamic Bank is the UAE’s largest Islamic Banking organization and this is clearly evident across the wonderful range of credit card offers and benefits the bank provides to its cardholders. Not only does Dubai Islamic Bank follow the principles of Islamic Banking by maintaining Shariah-compliant products, but it also looks to the future with a variety of innovative strategies to bring Islamic Banking into the scope of global finance.

The Dubai Islamic Bank Al Islami Gold Premium credit card offers cardholders extraordinary saving power across lifestyle expenditures. With no annual membership fee and a low minimum income requirement of AED 5,000 per month, this Dubai Islamic Bank credit card is an affordable lifestyle card that offers top of the line offers and rewards.

Features & Benefits of Dubai Islamic Bank Al Islami Gold Premium Credit Card

Some of the key Dubai Islamic Bank Al Islami Gold Premium credit card features & benefits include:

Travel & Personal Accident Insurance

Travel is made safer thanks to the complimentary travel and personal accident insurance provided by the Dubai Islamic Bank Al Islami Gold Premium credit card. This complimentary insurance plan offers coverage for emergency medical expenses, personal accidents, dental services, baggage loss for up to US$ 2500, delayed departure, loss of cash or valuables and more.

Roadside Assistance

The Dubai Islamic Bank Al Islami Gold Premium credit card offers up to 3 free roadside assistance services every year. The roadside assistance Dubai Islamic Bank credit card benefit includes unlimited car services, a replacement of car (24 hours), complimentary yearly registration, 75% discount on international driving license, towing, battery boosting, flat tyre replacement, lock-out service, fuel delivery, off-road pull out (5 complimentary services in one year), and more.

Credit Shield Takaful

Offered to all Dubai Islamic Bank Al Islami Gold Premium credit card members, Credit Shield Takaful is an insurance policy that protects the cardholder’s outstanding payments in unforeseen events. It is available to all cardholders for a minimal fee of 0.89% of the outstanding Dubai Islamic Bank credit card balance. Under this scheme, the Dubai Islamic Bank Al Islami Gold Premium credit card payments are covered in case the cardholder suffers a permanent total disability loses employment involuntarily or he/she passes away. Moreover, card members can enjoy the following maximum coverage:

  1. Permanent Total Disability: AED 200,000
  2. Involuntary loss of employment: AED 30,000
  3. Death: AED 200,000

Cash Withdrawals

Seamless connectivity and global acceptance define the Dubai Islamic Bank Al Islami Gold Premium credit card. This DIB credit card is eligible for purchases and withdrawals at any vendor or ATM respectively that accepts Visa.

Balance Transfers

Members of the Dubai Islamic Bank AI Islami Gold Premium credit card can transfer their other bank’s credit card outstanding balance to this DIB credit card at 0% profit charge for the first six months.

Dubai Islamic Bank EPPs

Card members can also enjoy the many Easy Payment Plan offers across selected vendors that enable them to convert large purchases into small monthly repayments at attractive profit rate.

Dubai Islamic Bank Al Islami Gold Premium Credit Card Rewards & Offers

The incredible Dubai Islamic Bank Al Islami Gold Premium credit card offers and rewards are as follows:

 Wala’a Rewards Membership

Members of the Dubai Islamic Bank Al Islami Gold Premium credit card are given membership to the DIB loyalty program - Wala’a Rewards. Under this program, cardholders can earn 2 Wala’s rewards points on every dirham spent across all retail purchases. Wala’a Rewards can be redeemed for various benefits such as flight tickets, hotel stays, bill payments, retail purchases, and more.

Please note that the card member will earn 0.5 Wala’s rewards points for every 1 dirham spent across retail credit card spends which are made under the categories like Telecom, Supermarkets, Petroleum, Education, and Government services (including bill payments).

Eligibility Criteria to Apply For Dubai Islamic Bank Al Islami Gold Premium Credit Card

The various Dubai Islamic Bank Al Islami Gold Premium credit card eligibility criteria requirements are as follows:

  • Minimum Age Requirement: 21+ Years
  • Minimum Monthly Salary Required: AED 5,000
  • Residential Eligibility: UAE residence Visa

Fees & Charges on Dubai Islamic Bank Al Islami Gold Premium Credit Card

Following are the fees & charges associated with this DIB Credit Card:

Fees and Charges Amount
Annual Membership Charges Free
Monthly Subscription Charges 475
Profit Rate on Salam NA
Cash Advance Charges AED 94.50
Late Payment Charges AED 236.25
Card Replacement or Reissuance Charges AED 52.50
Duplicate Statement Charges AED 47.25
Sales Voucher Copy AED 26.25
Returned Cheque Fee AED 105
Outstation Cheque Processing Fee AED 52.50
Upgrade Charges AED 288.75
Credit Shield Takaful Charges 0.94%
International Usage Charges (Non AED) 2.26%
International Usage Charges (AED) 2.09%
Annual Membership Fee for Internet and Supplementary Cards Free
Payment Via DIB Cheque Free
Liability Letter Issuance AED 52.50
Profit Rate on Easy Payment Plan/Balance Transfer/ Cash on card A maximum of 3.15% per month

(Updated as of November 17, 2020)

Frequently Asked Questions on Dubai Islamic Bank Al Islami Gold Premium Credit Card

Q1: What is the minimum monthly salary required in order to avail the DIB Al Islami Gold Premium Credit Card?

Ans: You need a minimum monthly income of AED 5,000 in order to avail the DIB Al Islami Gold Premium Credit Card.

Q2: Is there any annual membership fee levied on the DIB Al Islami Gold Premium Credit Card?

Ans: No, there is zero annual membership fee charged on this DIB credit card.

Q3: Are dental services also covered under the travel and personal accident insurance?

Ans: Yes, travel and personal accident insurance offered by the DIB Al Islami Gold Premium Credit Card also covers dental services.

Q4: How much does Credit Shield Takaful cover for Permanent Total Disability?

Ans: You can avail maximum coverage of up to AED 200,000 for Permanent Total Disability.

Q5: Can I avail the balance transfer facility with the Dubai Islamic Bank Al Islami Gold Premium Credit Card?

Ans: yes, you can enjoy the balance transfer facility with this DIB credit card which allows you to transfer your other bank’s credit card outstanding balance to this card at attractive profit rate.