Dubai Islamic Bank Credit Cards

The Dubai Islamic Bank came into existence in the year 1975. It is the first bank in the region to function as per the Islamic practices. Dubai Islamic Bank is the largest bank in the UAE in terms of assets, third largest Islamic bank in the world and first-full service bank to function as per the Islamic principles. It is one of the most significant PJSC companies in the region to be listed on the Dubai Financial Market. DIB has 90 branches across the region with a strong foothold in seven countries around the globe.

In 44 years, the bank gained a dedicated clientele across the UAE. Not only it caters to more than 1 million existing customers but it also looks after the needs of its growing consumer base with an array of Sharia-compliant banking services.

The bank aims to provide much-needed peaceful banking experience to every customer through Islamic way of Banking. Over the years, the bank has won numerous accolades that serve as a testament to these meticulous efforts across diverse areas including corporate, investment, and retail banking as well as consultancy services and corporate social responsibilities. Dubai Islamic Bank has bagged numerous awards such as Dubai Service Excellence Scheme, Banker Middle East Awards, Islamic Finance News and International Finance Magazine Awards etc.

Types of Dubai Islamic Bank Credit Cards

Emirates Skywards DIB Infinite Credit Card

Skywards Miles is a straight-out benefit for all the Emirates Skywards DIB Infinite Credit Cardholders who want to spend more, both locally and internationally. They can redeem these miles with Emirates and its selected partners. The card member can avail exclusive travel benefits and rewards on every trip.

Features and Benefits

With Dubai Islamic Bank Credit Card, every trip becomes much more memorable than ever before. Here are the benefits of using Infinite card by DIB:

1. Skywards Miles

The cardholder can make the most out of this card and earn up to 75,000 Skywards Miles as a bonus.

  1. The cardholder will get 25,000 Skywards Miles as a bonus upon successful activation.
  2. For spending amount equivalent to $ 20,000 during the first 4 consecutive months, the cardholder will earn 25,000 bonus Skywards Miles.
  3. The cardholder can avail balance transfer facility and earn 25,000 Skywards Miles as a bonus.

Earn Skywards Miles for Shopping

  1. The cardholder will earn 2 Skywards Miles for every equivalent dollar spent in the Emirates.
  2. The cardholder will earn 1 Skywards Mile for every equivalent dollar spent in the local currency.
  3. The cardholder will earn 1.5 Skywards Miles for every equivalent dollar spent in the foreign currency.

2. Emirates Skywards Silver Membership

The Dubai Islamic Bank Credit Card comes with Emirates Skywards Silver Membership, providing the card member with a host of benefits including:

  1. The cardholder will earn Skywards Miles as a bonus if they fly with Emirates.
  2. The cardholder will be allowed to carry additional baggage up to 12 kg over the permissible limit.
  3. The cardholder can make the most of Emirates Lounge access services at Dubai International Airport.
  4. The cardholder can avail complimentary seat selection facility if they fly with

Experience the Joy of Travelling with Dubai Islamic Bank Credit Card

3. Unlimited Lounge Access- The cardholder can avail unlimited complimentary access to 850 plus airport lounges around the world, courtesy of the Loungekey.

Note- The information including the complete list of lounges is available at loungekey.com.

4. Convenient Payment Plan- This infinite card comes with a variety of travel-related perks. For example, when the cardholder buys Emirates air tickets from the official website, they can enroll for 0% Easy Payment Plan.

5. Global Concierge Services- This Dubai Islamic Bank Credit Card offers 24X7 personalized services to its cardholder for hotel bookings, limousine transfers, and flight reservations and more.

6. Complimentary Travel Insurance- This insurance plan offers coverage up to 1 Million USD against unforeseen events for all international and domestic trips. It provides robust coverage against unpleasant situations like lost baggage, delayed departure, repatriation, emergency medical expenditure, legal expenses, personal liability and more.

Unmatched Lifestyle Benefits with Dubai Islamic Bank Credit Card

7. Scrumptious Deals- The cardholder can make the most of lifestyle offers. Using their credit cards, they can avail discounts (up to 25%) on online orders at Zomato by using Promo code DIBEK.

8. Health and Fitness Privileges- This Dubai Islamic Bank Credit Card is designed keeping in mind the lifestyle needs of the modern city dwellers. The member can access the fitness club on any day of the week. This offer is limited to the first 20 bookings each day.

9. VISA Luxury Hotel Collection Privileges- The cardholder can access more than 900 luxury hotels worldwide and get the most out of member privileges- price discount, free room upgrades, free breakfast and internet, freedom to check-out late, VIP guest treatment, and complimentary food and beverage vouchers.

10. Valet Parking Benefits- The card offers up to 4 free valet parking services on a monthly basis on the following locations:

  • In Dubai- American City, Wafi City, and Oasis Centre Excess usage charges of AED 50 are applicable on an hourly basis.
  • In Abu Dhabi- Yas Mall, Marina Mall, and Khalidiya Mall. Keep in mind that excess usage charges of AED 60 will be levied on a per visit basis.

Additional benefits

11. Ease of Balance Transfer- The cardholder can apply for the balance transfer facility and pay off the outstanding debt on any other credit cards.

12. Medical and Legal Help- The card member avail the following medical and legal help they need (if any):

  • Telephonic Medical consultation
  • Medical Referral Services
  • Health Monitoring (pre and post-hospital care)
  • Essential Equipment and Medicines delivery
  • The dispatch of a physician to a specified location
  • Emergency Medical Evacuation/Repatriation
  • Legal recommendations
  • Interpreter referral services

13. Year-Round Purchase protection-This credit card offers coverage for loss or theft for a period of one year from the date of purchase of the eligible product.

14. Global Customer Assistance- It keeps hindrance and inconvenience arising out of unplanned travelling at bay by ensuring the card member can avail world-class service and support at all times. The card member avail the following value-added services:

  • Reporting Lost/ Stolen Cards
  • Emergency Card Replacement
  • Cash Disbursement in Emergency

DIB Signature Credit Card

With this Dubai Islamic Bank Credit Card, the cardholder can earn Skywards Miles while they splurge on both local and international purchases. This loyalty program is a straight-out benefit for all the cardholders. They can redeem the accumulated miles with Emirates and its selected partners.

Features and Benefits

Here are some features and benefits of DIB Signature Credit Card:

1. Exclusive Travel Benefits With Dubai Islamic Bank Credit Card

  • Unlimited Complimentary Lounge Access
  • Easy Payment Plan
  • Highly Sought-after Concierge Services
  • Complimentary Travel Insurance

2. Exceptional Lifestyle Benefits with Dubai Islamic Bank Credit Card

  • Feastful Offers
  • VISA Luxury Hotel Collection privileges
  • Valet Parking Offers

3. Additional Benefits

  • Balance Transfer
  • Medical and Legal Recommendations
    • Medical Consultation via Telephone
    • Medical Referral Services
    • Monitoring Health Advancement (pre and post-hospital care)
    • Delivery of Vital Medicines and Equipment
    • Emergency Physician Dispatch at a Specified Location
    • Repatriation and Emergency Medical Evacuation
    • Legal Services
    • Interpreter Referral Services

4. Year-Round Purchase protection- This credit card offers coverage for the eligible purchased goods against loss or theft for a period of one year from the date of purchase.

5. Global Customer Assistance- It keeps travel-related hindrance and inconvenience at bay. It ensures that cardholder gets world-class service and support at all times.

6. Additional Warranty- This card offers an extended warranty for eligible purchased goods.

7. Cash Withdrawal Limit- The cardholder can enjoy a cash withdrawal limit of up to 80% of the available credit.

8. Visa pay Wave Technology- The payment can be made just by tapping the card on the contactless POS terminal.

9. Chip and Pin Enabled Cards- The card comes with chip and pin enabled technology that acts provides extra-layer of protection and security for making payments.

DIB Platinum Credit Card

With DIB Platinum Credit Card, the card member need not worry about anything. The card offers great benefits and features. This platinum card comes with a variety of travel-related perks.

Features and Benefits

  • 0% Easy Payment Plan- The card member can opt for 0% Easy Payment Plan for eligible products.
  • Indulge in Amazing Lifestyle Experiences:
    • Delectable Deals
    • Luxury Hotel Collection Privileges
    • Balance Transfer on Credit Cards
  • Health Benefits:
    • Telephonic Medical Consultation
    • Medical Referral Services
    • Health Monitoring (pre and post-hospital care)
    • Delivery of Vital Medicines and Equipment
    • Dispatch of a Physician to a Specified Location
    • Emergency Medical Evacuation/Repatriation
    • Legal Services
    • Interpreter Referral Services
  • Year-Round Purchase Protection- It offers coverage to the eligible goods purchased against loss or theft for a period of one year from the date of purchase.
  • Global Customer Assistance- It keeps travel-related hindrance and inconvenience at bay. It ensures the card member gets world-class service and support at all times.
  • Value-Added Services:
    • Replacement for an Emergency Card
    • Cash Disbursement in Emergency
  • Cash Withdrawal Limit- The cardholder can enjoy a cash withdrawal limit of up to 80% of available credit.
  • Visa pay Wave Technology- The payment can be made just by tapping the card on the contactless POS
  • Chip and Pin Enabled Cards- The card comes with chip and pin enabled technology that provides extra-layer of protection and security for making payments.
  • Additional Warranty- This card offers an extended warranty for eligible purchased goods.

Consumer Platinum Credit Card

The Consumer Platinum Credit Card is designed by keeping the needs of shoppers in mind. It enables the cardholder to save a lot on the supermarket and hypermarket purchases, bills and more in the form cashback of up to 4 %. The card is offered by DIB and the Department of Economic Development.

Features and Benefits

Cashback Galore- The cardholder can earn cashback on the spends put on the card such as Salik and Nol recharges,  movie tickets, refuelling stations, utility bill payments and more.

Cashback Rates for Platinum Credit Card

  1. Supermarket & Hypermarket Purchases, and Automobile Servicing- 4 % (capped at AED 400)
  2. Etisalat & Du Bill Payments, Utility Bills, and Fuel Spends- 4 % (capped at AED 150)
  3. Salik and Nol Recharges- 4 % (capped at AED 50)
  4. Movie Ticket Purchases- 50 % (capped at AED 250)

Consumer Reward Card

The Consumer Reward Credit enables the cardholder to save a lot on the supermarket and hypermarket purchases, bills and more in the form of cashback of up to 3%. The card is offered by DIB and the Department of Economic Development.

Features and Benefits

  1. Cashback on Every Recharge- Whether a customer is splurging on groceries, making utility bill payments or even getting some fuel pumped in their vehicle's tank, they can earn a Cashback on every transaction.
  2. Cashback Earning Opportunities- The cardholder can earn alluring Cashback on Salik and Nol recharges, movie tickets, refuelling stations, utility bill payments and more.

Cashback rates for Consumer Reward Card

  1. Automobile Servicing- 3% (capped at AED 300)
  2. Etisalat & Du Bill Payments - 3% (capped at AED 100)
  3. Fuel Spends and Utility Bills- 3% (capped at AED 100)
  4. Salik and Nol Recharges- 3% (capped at AED 25)
  5. Movie Ticket Purchases- 50% (capped at AED 150)

Prime Infinite Card

The Prime Infinite Card is designed by keeping frequent fliers and lifestyle connoisseurs in mind. It provides the card member with much-needed peace of mind.

Features and Benefits

  • Prime Lifestyle Benefits- This Dubai Islamic Credit Card offers exclusive access to a host of privileges ranging from road-side assistance to valet parking, fine dining, and retail among other privileges:
    • The card offers free valet parking services twice a month at designated areas across the UAE.
    • The cardholder can avail VISA Fine Dining discounts and offers at more than 75 restaurants in the UAE and earn reward points.

VISA infinite offers a plethora of exclusive offers on travel, entertainment, dining, retail, and golf centres and other value-added benefits.

  • Travel Benefits- The cardholder can avail unlimited lounge access, multi-trip insurance, tailored concierge services, and top-notch hospitality services at 900 plus luxury hotels around the globe.
    • VISA Infinite Benefits - The cardholder avail VISA privileges and merchant partner discounts among other important services.
    • Luxury Hotel Collection Privileges - The card member can enjoy price discount, room upgrades, free breakfast and internet, late check-out time, VIP treatment, and complimentary food and beverage vouchers (worth US$ 25).
    • Multi-Trip Travel Insurance - The Prime Infinite card member is eligible to enjoy multi-trip insurance coverage (amounting up to USD 1,000,000) on both domestic and international trips. The coverage is provided for lost/stolen baggage, delayed departure, emergency medical/repatriation expenses, legal expenses and more.
    • Highly Sought-After Concierge Services - This Dubai Islamic Bank Credit Card offers 24X7 personalised services to its cardholder for hotel bookings, limousine transfers, and flight reservations and more.
    • Complimentary Lounge Access - The cardholder can avail unlimited complimentary access to premium airport lounges worldwide.
    • Comprehensive Benefits - The cardholder can avail a series of benefits like purchase protection, extended warranty, free valet parking services and more.
    • Roadside Assistance - The card member can avail a multitude of services:
      • Vehicle Service And Repairs (Pick-Up And Drop-Off )
      • Flat Tyre Repairs
      • Towing Service
      • 24 hrs Car Replacement (in case of an accident)
      • Lock-out Assistance Services
      • Fuel Assistance
      • Inter-Emirate Towing Assistance
      • Free International Driving License
      • Off-Road Areas Pull Out
  • Credit Shield Protection - It offers the card member protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility - The cardholder can avail the facility of Instant balance transfer.

Prime Signature Card

The Prime Signature Card is ideally designed for travellers. They can enjoy travel benefits for leisure as well as business trips.

Features and Benefits

  • Signature Lifestyle Benefits - Prime Signature Card members can access a host of privileges ranging from road-side assistance to valet parking, fine dining, retail etc. Listed below are some additional benefits:
    • The card offers free valet parking services twice a month at designated areas across the UAE.
    • The cardholder can avail VISA Fine Dining discounts and offers at more than 75 restaurants in the UAE and earn reward points.
  • Travel Discount s- VISA Signature privileges come with a plethora of exclusive offers on travel, entertainment, dining, retail, and golf centres.
  • Travel in Signature Style - It offers a host of benefits such as unlimited lounge access, multi-trip insurance, tailored concierge services, and top-notch hospitality services at 900 plus luxury hotels around the globe.
  • VISA Benefits - The cardholder can avail VISA privileges and merchant partner discounts.
  • Value Added Benefits - Here are the value-added benefits of the card:
    • Luxury Hotel Collection Privileges
    • Multi-Trip Travel Insurance
    • Highly Sought-After Concierge Services
    • Complimentary Lounge Access
  • Purchase Protection- The cardholder can enjoy the feature of purchase for eligible goods against loss or theft for a period of 90 days from the date of purchase.
  • Extended Warranty- This card comes with an additional warranty for the goods purchased using this card.
  • Roadside Assistance- The card members can avail a multitude of services in addition to roadside assistance as given below:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off )
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Free International Driving License
    • Off-Road Areas Pull Out
  • Credit Shield Protection- It offers a wide range of benefits such as protection against death, total disability or loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility- The cardholder can transfer balance from their other credit cards to Prime Signature Card.
  • Card Protection Plus- The cardholder can adjust the security settings on their card, and evaluate the type of purchases that can be made with the card.

Prime Platinum Card

When it comes to benefits, the Prime Platinum card offers a host of privileges from unequalled travel and insurance benefits to unmatched shopping rewards. 

Features and Benefits

  • Visa Luxury Hotel Privileges- The cardholder can access more than 900 luxury hotels worldwide and avail exclusive privileges.
  • Purchase Protection- The cardholder can safeguard the good purchased on their card against loss or theft for a period of 60 days from the date of purchase.
  • Additional Benefits- Here are the additional benefits the cardholder can avail:
    • Travel and Personal Accident Insurance
    • Roadside Assistance
    • Vehicle Service And Repairs (Pick-Up and Drop-Off )
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Free International Driving License
    • Off-Road Areas Pull Out
  • Credit Shield Protection- It offers protection against death or total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Balance Transfer Facility- Taking customers' convenience into consideration, DIB presents a wide range of features through online/mobile or Express banking terminals.
  • Card Protection Plus- It is an optional facility that enables the cardholder to adjust the security settings on their card and evaluate the type of purchases that can be made with the card.

Prime Gold Card

The Prime Gold Card is a unique card that offers a rewarding banking experience along with several benefits and features that always come in handy.

Features and Benefits

  • Extensive Travel Insurance Coverage- As per the applicable terms and conditions, the cardholder can avail enhanced coverage with travel and personal accident insurance.
  • Easy Cash Access- The card member can avail high cash withdrawal limits along with the convenience of the cash transfer facility.
  • Roadside Assistance- The cardholder can avail the following services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted Rates on International Driving License
    • Off-Road Areas Pull Out
  • Credit Shield Protection- It offers protection against death or total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Card Protection Plus- It is an optional facility that enables the cardholder to adjust the security settings on their card and evaluating the type of purchases that can be made with the card.
  • Balance Transfer Facility- The cardholder can transfer the balance from their other credit cards to Prime Gold Card.

Prime Classic Card

The Prime Classic Card comes with a wide range of benefits such as easy cash availability, hassle-free balance transfer, unparalleled insurance services and more.

Features and Benefits

  • Easy Cash Access- The Prime Classic Card member can avail high cash withdrawal limits as well as cash transfer facility.
  • Balance Transfer Facility- The cardholder can transfer the balance from their other credit card to Prime Classic
  • Extensive Travel Insurance Coverage- As per the applicable terms and conditions, the cardholder can avail enhanced coverage with travel and personal accident insurance.
  • Roadside Assistance- The cardholder can avail the following services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off )
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted Rates on International Driving License
    • Off-Road Areas Pull Out
  • Credit Shield Protection- It offers protection against death or total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Card Protection Plus- It is an optional facility that enables the cardholder to adjust the security settings on their card and evaluating the type of purchases that can be made with the card.

Al Islami Infinite Card

There’s so much to experience with a credit card that is loaded with benefits and Al Islami Infinite Card is such a card. This credit card can be used for availing an array of benefits.

Features and Benefits

  • Visa Premium Services- The cardholder can avail exclusive offers offered by VISA such as hot air balloon rides, golf centres, shark diving, and spas among other benefits.
  • Medical and Legal Referral- It offers medical assistance and legal advisory services and services of lawyers, interpreters, physicians, dentists all under one roof.
  • Additional Warranty- This credit card offers a 12-month warranty on the eligible goods purchased using the card.
  • Additional Benefits- Here are offered benefits:
    • The card member can avail round the clock expert services ranging from flight bookings to finding a babysitter.
    • The Infinite cardholder can earn 0.5 % loyalty rewards on all spends put on the card.
    • The card offers Credit Shield Takaful Protection against death or total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
    • In case of a lost card, the cardholder can avail the facility of an emergency replacement feature and benefit.
    • The cardholder can avail roadside assistance services.
    • The cardholder can avail purchase protection coverage for a period of 60 days.
    • The cardholder can avail multi-trip travel insurance (for their family members as well) for a duration of 90 days.
    • The cardholder can avail unlimited airport lounge access.
    • The cardholder can avail ticket exchange service to access to the best tickets available for a plethora of worldwide events.
    • The cardholder can free valet parking services in designated areas across the UAE.

Al Islami Platinum Plus Credit Card

The Platinum Plus card member can unlock a world of lucrative deals with every purchase.

Features and Benefits

  • The cardholder can avail purchase protection to safeguard the goods purchased on the card against loss or theft for a period of 60 days from the date of purchase.
  • The cardholder can avail enhanced coverage for travel and personal accident insurance.
  • 3The cardholder can avail coverage for expenses pertaining to medical and dental care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • The cardholder can avail Credit Shield Takaful Protection against death or total disability or even loss of employment for a fee of 0.89% of the outstanding balance.
  • Roadside Assistance- The card member can avail the following benefits:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Free International Driving License
    • Off-Road Areas Pull Out

Al Islami Gold Premium Credit Card

The Al Islami card is one of the best credit cards that offer a rewarding experience the cardholders.

Features and Benefits

  • Roadside Assistance- The card member can avail various services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted rates on International Driving License
    • Off-Road Areas Pull Out
  • Travel and Personal Accident Insurance- The cardholder will get enhanced coverage for travel and personal accident insurance for medical and dental Care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • Credit Shield Takaful Protection- It offers protection against death, total disability and even loss of employment for a fee of 0.89% of the outstanding balance. 

Al Islami Gold Credit Card

The Al Islami Gold card is one of the most sought-after credit cards that offer a rewarding experience to its card members. The monthly fee for Gold Premium Card is AED 375.

Features and Benefits

  • As per the applicable terms and conditions, the cardholder will get enhanced coverage for travel and personal accident insurance for medical and dental care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • The Dubai Islamic Bank card members can avail the roadside assistance services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted rates on International Driving License
    • Off-Road Areas Pull Out
  • Credit Shield Takaful Protection- It offers protection against death, total disability or even loss of employment for a fee of 0.89% of the outstanding balance.

Al Islami Classic Credit Card

This Shariah-compliant card has been designed keeping the credit card goals and requirements of the applicants in mind. The more they spend using this credit card, the more they earn special privileges on daily spends, and travel among other benefits.

Features and Benefits

  • Roadside Assistance- The Dubai Islamic Bank card members can avail the following roadside assistance services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted Rates on International Driving License
    • Off-Road Areas Pull Out
  • Travel and Personal Accident Insurance- As per applicable terms and conditions, Al Islami cardholder can avail enhanced coverage for travel and personal accident insurance for medical and dental care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • Credit Shield Takaful Protection- It offers protection against death, total disability, and loss of employment for a fee of 0.89% of the outstanding balance.

Al Islami Internet Card

This credit card comes with exciting features that make online shopping easy and convenient.

Features and Benefits

  • Safety at its Best- This card comes with enhanced safety features.
  • Tracking Online Spending- The card makes it easy to track online transactions.

Johara Gold Premium Credit Card

The Johara Gold Premium Card is one of the most sought-after credit cards that offer a rewarding experience to its subscribers. The monthly fee for Gold Premium Card is AED 475. The credit card is designed keeping in mind the financial necessities of the modern lifestyle.

Features and Benefits

  • Johara Gold Premium cardholders will get enhanced coverage with travel and personal accident insurance for medical and dental Care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • The Dubai Islamic Bank card member can avail the following roadside assistance services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off )
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted Rates on International Driving License
    • Off-Road Areas Pull Out (up to 5 free services per year)
  • Credit Shield Takaful Protection- It offers protection against death, total disability, and even loss of employment for a fee of 0.89% of the outstanding balance.

Johara Platinum Credit Card

This platinum credit card comes with double benefits and enhanced security protection that offers great user experience.

Features and Benefits

  • The cardholder can enjoy stress-free shopping with theft and loss protection for local as well as international transactions. The coverage is provided for 60 days.
  • The Platinum card member can avail enhanced coverage for travel and personal accident insurance.
  • The card covers expenses incurred due to medical and dental care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • Credit Shield Takaful Protection- It provides coverage against death, total disability and even loss of employment for a fee of 0.89% of the outstanding balance.
  • The Dubai Islamic Bank card members can avail the following roadside assistance services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off)
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Free International Driving License
    • Off-Road Areas Pull Out

Johara Gold Credit Card

This credit card is designed keeping in mind the financial necessities of the modern lifestyle.

Features and Benefits

  • The Dubai Islamic Bank card member can avail various roadside assistance services:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off )
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted Rates on International Driving License
    • Off-Road Areas Pull Out
  • Travel and Personal Accident Insurance- Johara card member will get enhanced insurance coverage for travel and personal accident insurance for medical and dental care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.

Johara Classic Credit Card

This Shariah-compliant card has been designed keeping the financial goals and requirements of credit card applicants in mind. The more they spend using the credit card, the more special privileges they earn on daily spends, and travel among other benefits.

Features and Benefits

  • It comes as no surprise that Dubai Islamic Bank card members can avail a multitude of services in addition to roadside assistance as given below:
    • Vehicle Service and Repairs (Pick-Up and Drop-Off )
    • Flat Tyre Repairs
    • Towing Service
    • 24 hrs. Car Replacement (in case of an accident)
    • Lock-out Assistance Services
    • Fuel Assistance
    • Inter-Emirate Towing Assistance
    • Discounted Rates on International Driving License
    • Off-Road Areas Pull Out
  • Travel and Personal Accident Insurance- Johara card member can avail enhanced coverage with travel and personal accident insurance for medical and dental care, untimely departure, misplacement of baggage, mishaps, loss of valuables (cash, jewelry) and more.
  • Credit Shield Takaful Protection- It offers protection against death, total disability, and even loss of employment for a fee of 0.89% of the outstanding balance.

Dubai Islamic Bank Profit Rates and Annual Fees 

 

Dubai Islamic Bank Credit Cards Annual fees
Emirates Skywards DIB Infinite Credit Card AED 2,625
Emirates Skywards DIB Signature Credit Card AED 1,575
Emirates Skywards DIB Platinum Credit Card AED 525
Consumer Platinum Card Free
Consumer Reward Card Free
Prime Infinite Card Free
Prime Signature Card Free
Prime Platinum Card Free
Prime Gold Card Free
Prime Classic Card Free
Al Islami Infinite Card Free
Al Islami Platinum Plus Credit Card NA
Al Islami Platinum Credit Card Free
Al Islami Gold Premium Credit Card Free
Al Islami Gold Credit Card Free
Al Islami Classic Credit Card Free
Al Islami Internet Card Free
Johara Gold Premium Credit Card Free
Johara Platinum Credit Card Free
Johara Gold Credit Card Free
Johara Classic Credit Card Free

 

Al Islami Prime Credit Cards

 

Product type Monthly Profit Rate on Salam
Classic Up to 3.25%
Gold Up to 3.25%
Gold Premium NA
Platinum up to 3.25%
Platinum Plus NA
Signature Up To 3.25%
Infinite up to 3.25%

 

Dubai Islamic Bank Credit Card Eligibility

  • Minimum month salary from AED 5000 to AED 50,000
  • Good credit report

How to apply for Dubai Islamic bank credit card in the UAE?

Online

The applicant can log on to the official website of DIB and apply for the credit card of their choice online. The applicant must check the eligibility criteria to ensure the acceptance of their application.

After clicking on the Apply tab, a new window will open. The applicant will have to fill in personal information in the online credit card application form.

Offline

The applicant can visit the nearest branch of DIB and talk to the representative about their preferred credit card. They can apply for the same by filling out the credit card application form offline.

Dubai Islamic Bank Credit Card Limit

The Dubai Islamic Bank credit cards come with a credit limit. This credit limit should not be exceeded otherwise the card member will have to pay extra charges. In addition to that, the bank reserves the right (at its discretion) to cancel the card without informing the cardholder.                                                                                                                                                                                                                                              

Schedule of Other Charges for Dubai Islamic Bank Credit Card

 

Visa and MasterCard International withdrawal fees   26.25
Cash Withdrawal Fee      94.50
Reissuance or Replacement Fee    52.50
Copy of Sales Voucher 26.25
Upgrade Fee  236.25
Late Payment Fee   225
Duplicate Statement Fee   47.25
Returned Cheque Charge   105
International Usage Fee (Non-AED) 2.26%
Outstation Cheque Processing Charge 52.50 
Payment Through DIB Cheque   Free
Annual Fee for Supplementary & Internet Cards   Free
Cash On Card One Time Fee  AED 90 for every AED 3,000 
Credit Shield Takaful Fee   0.94%
Balance Transfer Profit Rate   0% for 6 months 
Cash on Card Profit Rate   6% to 12% APR


How to Cancel Dubai Islamic Bank Credit Card in UAE?

For closing their account, the cardholder can anytime notify the bank in writing and return the cards cut in half.

The card account will be closed once the cardholder pays off their credit card outstanding dues.

Why Choose Dubai Islamic Bank Credit Cards?

Listed below are the features that make Dubai Islamic Bank Credit Cards ideal choice for the credit card applicants:

  • They offer up to 75, 000 Skywards Miles as a bonus.
  • They provide unlimited access to more than 850 airport lounges around the world via LoungeKey.
  • They provide an easy 0 % Payment Plan from emirates.com.
  • They provide complimentary Emirates Skywards Membership benefits.
  • Most Dubai Islamic Bank Credit Cards come without an annual fee along with plenty of lifestyle, travel and shopping benefits.
  • The cardholder can earn reward points on every 1 Dirham spent on local and global transactions.
  • The cards are free from Riba and any other un-Islamic charges.
  • The card offers the following benefits:

Credit shield takaful protection plan, free international driving license with road-side assistance,  emergency cash/ card replacement, multi-trip travel insurance,  cash withdrawal limit, purchase protection, exclusive lifestyle privileges,  travel privileges, balance transfer facility etc.

  • The cards offer an easy payment plan.
  • Some credit cards have a minimum salary requirement of AED 5000.

Dubai Islamic Bank Frequently Asked Questions

Question 1- What is the income eligibility to apply for the Dubai Islamic Bank credit cards?

Answer- The minimum salary to apply for Dubai Islamic Bank Credit Card is AED 5000.

Question 2- Are Dubai Islamic Bank credit cards Sharia-Compliant?

Answer- Al Islami Cards offered by Dubai Islamic Bank are Sharia-compliant cards. They come packed with a host of privileges and offer unmatched convenience and global acceptance.

Question 3- What do I do if my Dubai Islamic Bank credit card is lost or stolen?

Answer- You should immediately call the customer service centre and intimate about the loss of card and get your card blocked.

Question 4- How do I apply for a Dubai Islamic Bank Credit Card?

Answer- You can log on to the official website of the bank and apply for the credit card of your choice by clicking on the Apply button.

Question 5- What are charges for the Credit Shield Takaful?

Answer-  It is 0.89% of the outstanding amount is charged on credit shield.

Question 6- Will I get Cashback on all DIB credit cards?

Answer- If you opt for Consumer Platinum Card and Consumer Reward Card, you can earn Cashback.

Question 7- What is a Supplementary Card?

Answer- A supplementary card is an add-on card that can be availed by the primary cardholder for their eligible family member. This card works exactly like a primary credit card but all expenses and fees are deducted from the primary credit card account.

Question 8- What are Wala’a Rewards?

Answer- Any purchase made through DIB credit cards is eligible for loyalty points, under DIB loyalty program. The card member can earn Wala’a Reward points as per applicable terms and conditions. These accumulated reward points can be redeemed for booking flight tickets, hotel bookings, bill payments, retail spends and plenty more.