Dubai Islamic Bank Johara Gold Premium Credit Card

About the Dubai Islamic Bank Johara Gold Premium Credit Card

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 Johara Gold Premium Dubai Islamic Bank credit card provides dozens of lifestyle benefits at a low monthly subscription fee and no annual membership fee at all. As a Sharia-compliant card, the Johara Gold Premium Dubai Islamic Bank card charges no interest and shares some of its applicable charges as charitable donations. Additionally, the Johara Gold Premium Dubai Islamic Bank credit card offers membership into the DIB Wala’a Rewards program.

Features & Benefits of Dubai Islamic Bank Johara Gold Premium Credit Card

The Johara Gold Premium Dubai Islamic Bank credit card benefits and features are summarized in the table below:

Security

Johara Gold Premium Dubai Islamic Bank credit cards are Chip & Pin cards, i.e. they have a unique microchip installed within the card itself. This microchip is extremely difficult to duplicate and so, it effectively prevents misuse of the card.

Global Recognition

By incorporating the Visa payment network, the Johara Gold Premium Dubai Islamic Bank credit card has effectively achieved a global scope of acceptance. The Johara Gold Premium Dubai Islamic Bank credit card offers cardholders connectivity anywhere in the world at POS machines and ATMs alike.

Credit Shield Takaful

Sometimes unforeseen circumstances can leave cardholder unable to pay their outstanding balance amounts. This can lead to huge penalties and even affect the cardholder’s credit score. However, owners of the Johara Gold Premium Dubai Islamic Bank credit card do not have to worry about this thanks to Credit Shield Takaful. Credit Shield covers outstanding payments within a set limit in the case of death, permanent disability or involuntary unemployment.

Supplementary Cards

Primary cardholders may request for a supplementary Johara Gold Premium Dubai Islamic Bank credit card to share with their family members. Supplementary Dubai Islamic Bank credit cards are issued for free and can even access the primary cardholder’s credit limit.

Benefits of Dubai Islamic Bank Johara Gold Premium Credit Card

The applicable Johara Gold Premium Dubai Islamic Bank credit card benefits are:

Wala’a Rewards Membership

Members of the Johara Gold Premium Dubai Islamic Bank credit card are enrolled into the Wala’a Rewards program which allows them to earn complimentary retail vouchers, hotel stays, flights and more. The next section explains the Wala’a Rewards earning and redemption criteria.

Travel Insurance

Johara Gold Premium Dubai Islamic Bank credit card members are eligible for complimentary travel insurance for tickets that have been purchased with their Dubai Islamic Bank credit card. This travel insurance policy offers personal accident cover, trip delay and cancellation cover, baggage loss cover and more.

Roadside Assistance

Cardholders can avail of up 3 roadside assistance services every year thanks to their Johara Gold Premium Dubai Islamic Bank credit card. This includes unlimited servicing, 24 hours of access to a replacement car, battery boosting and much more.


Dubai Islamic Bank Johara Gold Premium Credit Card Rewards & Offers

Details on the Wala’a Rewards and the Johara Gold Premium Dubai Islamic Bank credit card offers can be found below:

 

Dubai Islamic Bank Johara Gold Premium Card
Wala'a Rewards Offers
As part of the Wala'a Rewards program, cardholders earn 2 Wala'a Rewards for every AED 1 they spend on their Johara Gold Premium Dubai Islamic Bank credit card. Dubai Islamic Bank credit card offers can be found on the DIB site. The offers are available across dining, shopping, lifestyle and many more spending categories.
Wala'a Rewards can be redeemed in a variety of ways including for flight tickets, bill payments, retail spending and hotel bookings.

(Updated as of April 2019)

 
Dubai Islamic Bank Johara Gold Premium Credit Card Eligibility Criteria & Fees

The Johara Gold Premium Dubai Islamic Bank credit card eligibility parameters and associated fees are as follows:

 

Dubai Islamic Bank Johara Gold Premium Card
Eligibility Fees
The required minimum age for Johara Gold Premium Dubai Islamic Bank credit card applicants is 21 years. Annual Membership Fee: Fee-free for life.
The minimum Johara Gold Premium Dubai Islamic Bank credit card salary requirement is AED 5,000 per month. Monthly Subscription Fee: AED 475
Johara Gold Premium Dubai Islamic Bank credit card applicant should have UAE residency. Late Fee: AED 236.25 (This is donated to charity)

(Updated as of April 2019)


Additional Benefits of Dubai Islamic Bank Johara Gold Premium Credit Card

In addition to the Wala’a Rewards program and the many Dubai Islamic Bank credit card offers, the Johara Gold Premium Dubai Islamic Bank credit card benefits also include:

Dubai Islamic Bank Online

Cardholders can make payments, manage account statements and transfer funds for their Johara Gold Premium Dubai Islamic Bank credit card through the DIB online portal.

Dubai Islamic Bank EPP

The Johara Gold Premium Dubai Islamic Bank 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).