Dubai Islamic Bank Johara Gold Credit Card

About the Dubai Islamic Bank Johara Gold Credit Card

Dubai Islamic Bank is the UAE’s premier Islamic Banking organization. It is the largest Islamic Banking institution in the UAE and offers an enormous range of Shariah-compliant cards and financial services. The bank was opened in 1975 and is currently headquartered in Deira. Dubai Islamic Bank values transparency and innovation above all else, providing reliable banking services for over four decades.


The Johara Gold Dubai Islamic Bank credit card is a prime example of a rewards card that offers more than the standard loyalty points incentives. The Johara Gold Dubai Islamic Bank credit card offers rewards, travel discounts and retail incentives for no annual membership fee and a low salary requirement. The card is ideal for daily spending and traveling alike.

Features & Benefits of Dubai Islamic Bank Johara Gold Credit Card

The Johara Gold Dubai Islamic Bank credit card benefits have been summarized alongside its many features below:

Security

The Johara Gold Dubai Islamic Bank credit card implements the Chip & Pin card security method, which uses a microchip to prevent duplication of the Dubai Islamic Bank credit card and misuse by malicious parties.

Credit Shield

Offered for a low cost of 0.89% of the outstanding Dubai Islamic Bank credit card balance, Credit Shield protects the cardholder from payments in the case of an unforeseen event such as death, permanent disability or loss of employment.

Visa Acceptance

Visa is a world-renowned payment network and it extends its global acceptance to the Johara Gold Dubai Islamic Bank credit card as well. Cardholders can withdraw cash from any ATM and use theirJohara Gold Dubai Islamic Bank credit card at any Visa POS terminal.

Supplementary Cards

The supplementary Johara Gold Dubai Islamic Bank credit card offers access to a shared credit limit and is available on request for no charge. Cardholders may have supplementary Dubai Islamic Bank credit cards issued for family members.

Benefits of Dubai Islamic Bank Johara Gold Credit Card

Benefits of the Johara Gold Dubai Islamic Bank card include:

Wala’a Rewards

Membership into the Dubai Islamic Bank Wala’a Rewards program affords owners of the Johara Gold Dubai Islamic Bank credit card free flight tickets, hotel stays and more. Details on this are given in the following section.

Travel Benefits

Enjoy travel with the Johara Gold Dubai Islamic Bank credit card thanks to a complimentary travel insurance policy that covers personal accident, accidental death, emergency medical costs and more.

Roadside Assistance

Johara Gold Dubai Islamic Bank credit card members may enjoy on the road protection via the complimentary Dubai Islamic Bank roadside assistance services. This includes replacement cars, car servicing, fuel delivery, and many more benefits.

Dubai Islamic Bank Johara Gold Credit Card Rewards & Offers

Johara Gold Dubai Islamic Bank credit card offers and rewards are listed below:

 

Dubai Islamic Bank Johara Gold Card
Rewards Offers
The Johara Gold Dubai Islamic Bank credit card provides access to the Wala'a Rewards program. Wala'a Rewards can be earned in the ration of 2 Wala'a Rewards or every AED 1 of expense on the Dubai Islamic Bank card. The Johara Gold Dubai Islamic Bank credit card offers are kept up to date on the website and range from dining vouchers to lifestyle discounts and more.
Wala'a Rewards can be exchanged for free hotel stays, bill payments, complimentary flights and more.

(Updated as of April 2019)

 

Dubai Islamic Bank Johara Gold Credit Card Eligibility Criteria & Fees

The fees and Johara Gold Dubai Islamic Bank credit card eligibility requirements are:

 

Dubai Islamic Bank Johara Gold Card
Eligibility Fees
The minimum age requirement for the Johara Gold Dubai Islamic Bank card is 21 years of age. Annual Membership Fee: No fees
Johara Gold Dubai Islamic Bank salary requirements are AED 5,000 monthly. Monthly Fee: AED 375
UAE residency is another eligibility criteria. Late Fee: AED 236.25 (charity donation)

(Updated as of April 2019)

 

Additional Benefits of Dubai Islamic Bank Johara Gold Credit Card

Some additional Johara Gold Dubai Islamic Bank credit card benefits can be found below:

Online Banking

The Johara Gold Dubai Islamic Bank credit card online login allows cardholders to perform all traditional banking tasks remotely. The online portal is encrypted and provides safe access to the Johara Gold Dubai Islamic Bank credit card account statement and more.

DIB EPP

Owners of the Johara Gold Dubai Islamic Bank card may also convert their purchases at selected vendors into Easy Payment Plans (EPP), i.e. into small monthly installments. These can be repaid over tenors of 3 to 12 months depending on the merchant.