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Dubai Islamic Bank Johara Gold Credit Card Features & Benefits

By PolicyBazaar
Average Rating / 5 (ratings )

Dubai Islamic Bank (DIB) is the UAE’s one of the leading Islamic Banking institutions that offer top of the line Shariah compliant credit cards as well as other financial services to suit various lifestyle requirements of its potential customers.

The Dubai Islamic Bank Johara Gold Credit Card is a prime example of a budget and rewards credit card that offers an enormous range of exclusive benefits, rewards, and retail incentives for no annual charge and a minimum monthly salary requirement. This is what that makes this credit card popular in the UAE.

Key Highlights of the Dubai Islamic Bank Johara 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
  • Free from RIBA, interest,  or any other Islamic fees & charges
  • Monthly card subscription - 375 dirhams
  • Roadside assistance

Top Dubai Islamic Bank Johara Gold Credit Card Features

The following are some of the main features of the Johara Gold Credit Card offered by the Dubai Islamic Bank:

Zero Annual Membership Fee

This is ‘free for life’ credit card, since this DIB card does not charge an annual membership fee.

Credit Shield Takaful

Offered for a minimal charge of 0.89 percent of the Dubai Islamic Bank Johara Gold Credit Card outstanding balance, Credit Shield Takaful safeguards the card payments up to the stipulated amount in case of tragic events 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

Main Dubai Islamic Bank Johara Gold Credit Card Benefits

Below specified are the key benefits of Dubai Islamic Bank Johara Gold Credit Card:

Wala’a Rewards - DIB Loyalty Program

With the Dubai Islamic Bank Johara Gold Credit Card, you can get immediate access to the Wala’a Rewards Program which is a DIB Loyalty Program. The best thing is that you will become a member of this DIB reward program automatically.

However, 2 Wala’a rewards can be earned for each 1 dirham spent on retail expenses. You can then redeem these Wala’a rewards for bill payments, retail purchases, hotel stays, air tickets, and much more.

Travel & Personal Accident Insurance

You can get free travel & personal accident insurance cover on purchasing travel tickets with this Dubai Islamic Bank Johara Gold Credit Card. This free insurance plan offers coverage for delayed departure, baggage loss (US$ 1,500 for Gold Credit Card members) personal accident, emergency medical expenses, dental care, loss of valuables/cash, etc.

Roadside Assistance

A complimentary roadside assistance service can be availed with this Dubai Islamic Bank Credit Card. This free service includes:

  • Unlimited car services
  • Towing
  • Flat tyre fixing
  • Battery boost
  • Vehicle servicing (pick-up & drop-off)
  • Free vehicle registration yearly
  • A replacement car (for 24 hours in an event of an accident)
  • Fuel assistance
  • Lock-out service
  • 75 percent discount on the international driving license
  • Off-road pull out- Three complimentary services yearly
  • Inter-emirate towing - 5 complimentary services yearly

In A Nutshell

If you want to make the most of your every single retail spend then this is the right card for you. The Dubai Islamic Bank Johara Gold Credit Card offers a host of attractive benefits, rewards, and privileges that are enough to fulfill your luxurious lifestyle needs. With zero annual membership fees and no interest rate, this card is certainly one of the best credit cards available in the UAE.