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Dubai Islamic Bank Al Islami Internet Card

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Dubai Islamic Bank is the largest Islamic Banking institution in the UAE and prides itself on creating innovative measures to bring its Shariah-compliant line of cards to the global stage of finance. By charging no interest on any of their cards and offering a completely transparent system of charges, Dubai Islamic Bank has created a loyal customer base that numbers in the millions. Dubai Islamic Bank opened in 1975 and has served its cardholders out of its Deira headquarters for over 44 years.

The Dubai Islamic Bank Al Islami Internet card is one of those cards which is created specifically for the purpose of online shopping. It does not contain a magnetic strip so it cannot be used for offline transactions. The Dubai Islamic Bank Al Islami Internet card allows cardholders to safely make purchases online, linking with any primary Dubai Islamic Bank credit card in their possession.

Features & Benefits of Dubai Islamic Bank Al Islami Internet Card

The Dubai Islamic Bank Al Islami Internet credit card features & benefits are as follows:

Zero Annual Fee

There is no annual membership fee levied on the Dubai Islamic Bank Al Islami Internet card.

Linked Card

Dubai Islamic Bank Al Islami Internet card is linked to the primary Dubai Islamic Bank Al Islami credit cards and as such, is eligible to earn the same rewards points and benefits as the primary Al Islami Dubai Islamic Bank credit card offers.

But please note that Dubai Islamic Bank AI Islami Internet card cannot be used to make offline purchases since it has no magnetic strip.

Security

As mentioned above, the Dubai Islamic Bank Al Islami Internet card has no magnetic strip, to prevent it from being used at POS machines or even ATMs. The Dubai Islamic Bank Al Islami Internet card also has a completely different account number from the primary Al Islami Dubai Islamic Bank credit card, which is printed rather than embedded for added security. Furthermore, the card also contains a completely separate verification code (which is printed on the card itself).

Monitored Spending

The Dubai Islamic Bank Al Islami Internet card offers access to a maximum of 20% of the primary Dubai Islamic Bank Al Islami credit card limit and all transactions made with the card are recorded separately in the primary Dubai Islamic Bank card. This ultimately enables the cardholder to track their all online purchases.

Common Billing

All transactions made with the Dubai Islamic Bank Al Islami Internet card are consolidated into the primary Al Islami Dubai Islamic Bank credit card statement and are payable in the same manner as payment for the primary Dubai Islamic Bank card would be made.

Easy Payment Plans

The Dubai Islamic Bank Al Islami Internet card can also be used to initiate monthly instalment plans at select merchants for large purchases. This is known as the Dubai Islamic Bank Easy Payment Plan and is available on a diverse range of purchases ranging from health and wellness expenses to home furnishings and more.

Eligibility Criteria to Apply for Dubai Islamic Bank Al Islami Internet Card

The Dubai Islamic Bank Al Islami Internet card has the same requirements as the primary Dubai Islamic Bank Al Islami credit card eligibility criteria.

Fees and Charges on Dubai Islamic Bank Al Islami Internet Card

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

Fees and Charges Amount
Annual Membership Charges AED 0
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
Payment Via DIB Cheque Free
Liability Letter Issuance AED 52.50

(Updated as of November 18, 2020)

Frequently Asked Questions on Dubai Islamic Bank Al Islami Internet Card

Q1: What is the Dubai Islamic Bank Al Islami Internet Card?

Ans: The DIB Al Islami Internet Card is specially designed to be utilized for online purchases. This card is linked to your primary DIB Al Islami Credit or Charge Card but for extra security, has been assigned a separate account number as well as verification code.

Q2: Do I require a cash withdrawal PIN for my Dubai Islamic Bank Al Islami Internet Card?

Ans: No, you don’t require a cash withdrawal PIN because you cannot withdraw cash with the DIB Al Islami Internet Card.

Q3: What is the credit limit provided on the Dubai Islamic Bank Al Islami Internet Card?

Ans: You can have up to 20% of your primary Dubai Islamic Bank Al Islami credit Card limit. The card limit assigned to the DIB Al Islami Internet Card is part of the overall credit limit on the primary DIB Al Islami credit Card.

Q4: What should I do if in case my Dubai Islamic Bank Al Islami Internet Card is lost or stolen?

Ans: If, in case, your Dubai Islamic Bank Al Islami Internet Card is lost or stolen, you need to call on 0097146092222 (from across the UAE or overseas) immediately.  The concerned department will block your card and issue a new card.

Q5: Can I continue to utilize my Dubai Islamic Bank Al Islami Internet Card even after closing my primary DIB Al Islami credit card account?

Ans: No, Dubai Islamic Bank Al Islami Internet Card is linked to the primary DIB Al Islami credit Card and it will only be usable until and unless the primary credit card is active.