Best credit cards with 0 Annual fee*
Overlooked by an expert Sharia board, Dubai Islamic Bank brings innovation and transparency to Islamic Banking unlike any other financial institution in the UAE. As one of the largest Islamic Banking organizations in the Middle East, Dubai Islamic Bank has a customer base of over 1.9 million that it serves with dedication and excellence.
The bank is well-known to offer a wide range of credit cards which are loaded with exclusive features and benefits. One such exclusive credit card is the Dubai Islamic Bank Johara Gold Premium credit card that provides dozens of lifestyle benefits at a low monthly subscription fee and no annual membership fee at all. As a Sharia-compliant card, the Dubai Islamic Bank Johara Gold Premium credit card charges no interest and shares some of its applicable charges as charitable donations. Additionally, this credit card offers membership into the DIB Wala’a Rewards program.
The Dubai Islamic Bank Johara Gold Premium credit card features & benefits are as follows:
Sometimes unforeseen circumstances can leave the cardholder unable to pay their outstanding balance amounts. This can lead to huge penalties and even affect the cardholder’s credit score. However, members of the Dubai Islamic Bank Johara Gold Premium credit card do not have to worry about this thanks to Credit Shield Takaful. Just for a nominal charge of 0.89% of the card outstanding, the Credit Shield covers outstanding payments within a set limit in the case of death, permanent disability or involuntary unemployment.
Dubai Islamic Bank Johara Gold Premium credit card members are eligible for complimentary travel and personal accident insurance upon purchasing travel tickets using their Dubai Islamic Bank credit card. This travel insurance policy offers coverage for personal accident, medical expenses, dental care services, trip delay, baggage loss cover, loss of cash or valuables, and more.
Dubai Islamic Bank Johara Gold Premium credit card offers cardholders the option to convert transactions at partnered merchants into monthly instalment plans via the Dubai Islamic Bank Easy Payment Plan (EPP).
Cardholders can avail of up 3 roadside assistance services every year thanks to their Dubai Islamic Bank Johara Gold Premium credit card. This includes unlimited car servicing, 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),inter-emirate towing, and more.
Members of the Dubai Islamic Bank Johara 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.
Following are the rewards and offers on the incredible Dubai Islamic Bank Johara Gold Premium Credit Card:
Members of the Dubai Islamic Bank Johara Gold Premium Credit Card are given membership to the DIB loyalty program that is known as 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).
The various Dubai Islamic Bank Johara Gold Premium Credit Card eligibility criteria requirements are as follows:
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)
Q1: What is the minimum monthly salary required in order to avail the Dubai Islamic Bank Johara Gold Premium Credit Card?
Ans: You need a minimum monthly income of AED 5,000 in order to avail this credit card.
Q2: Is there any annual membership fee levied on the Dubai Islamic Bank Johara Gold Premium Credit Card?
Ans: No, there is zero annual membership fee charged on this card.
Q3: Are medical expenses also covered under the complimentary travel & personal accident insurance?
Ans: Yes, travel and personal accident insurance offered by the Dubai Islamic Bank Johara Gold Premium Credit Card also covers medical expenses.
Q4: Does the roadside assistance services come differently for UAE Nationals?
Ans: No! Both expats as well as UAE nationals can enjoy the same roadside assistance services.
Q5: Can I add someone else to my credit card to enjoy benefits from the Dubai Islamic Bank Johara Gold Premium Credit Card?
Ans: No, you cannot add anyone else to this card. However, you can apply for a supplementary Dubai Islamic Bank Johara Gold Premium Credit Card for the eligible family members to help them to avail the same benefits that you do on this card.