Dubai Islamic Bank Johara Gold Premium Credit Card Features & Benefits

By PolicyBazaar
  | Published: 19 October 2019 | Last Updated On: 12 January 2021
Average Rating / 5 (ratings ) | 472 Views

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Dubai Islamic Bank brings transparency and innovation to Islamic banking dissimilar to any other banking institution in the United Arab Emirates. The bank offers a top of the line credit cards to meet the various lifestyle needs of its customers.

The Dubai Islamic Bank Johara Gold Premium Credit Card is one of the best credit cards offered by the bank. This card seamlessly integrates into your lifestyle as it offers a host of benefits and privileges to suit your various needs. With zero annual fees and a low monthly subscription fee, this shariah compliant credit card levies zero rate of interest and also shares a few of its applicable fees & charges as ‘charitable donations’. Other than that, it offers exclusive membership into the DIB loyalty program- Wala’a Rewards to give you exciting rewards for each retail spend.

Key Highlights of the Dubai Islamic Bank Johara Gold Premium Credit Card 

  • No annual membership fee
  • A minimum salary of 5,000 dirhams per month is required to be eligible for this card.
  • Monthly card subscription: 475 dirhams
  • Free from interest, RIBA or any other Islamic charges
  • Credit Shield Takaful
  • Personal accident and travel insurance

Main Dubai Islamic Bank Johara Gold Premium Credit Card Features

The following are the main features of this Dubai Islamic Bank Johara Gold Premium Credit Card:

No Annual Fee

You can save a certain amount of money with this DIB credit card since it does not charge an annual membership fee. Therefore, it is free for life credit card.

Credit Shield Takaful

Sometimes some unfortunate events can leave you unable to pay your outstanding amounts. This can lead to hefty penalties as well as take a significant toll on your credit score.

However, you don’t need to worry about this thing as you can take advantage of the DIB special feature which is known as Credit Shield Takaful. For a minimal fee of 0.89 percent of the card outstanding amount, this insurance plan protects your card outstanding payments up to a stipulated limit in an event of loss of employment, total disability, or death. Given below is the maximum coverage:

  • Involuntary loss of employment: 30,000 dirhams
  • Death: 200,000 dirhams
  • Permanent Total Disability: 200,000 dirhams

Top Dubai Islamic Bank Johara Gold Premium Credit Card Benefits

Dubai Islamic Bank Johara Gold Premium Credit Card offers an extensive range of benefits to its customers and they are as follows:

Wala’a Rewards - DIB Loyalty Program

You are given an automatic enrollment into the Dubai Islamic Bank loyalty program - Wala’a Rewards. You can earn 2 Wala’a rewards for each dirham spent on retail expenditures and redeem them rewards for free hotel stays & air tickets, retail spends, utility bill payments, and much more.

Travel & Personal Accident Insurance

On purchasing flight tickets with a Dubai Islamic Bank Johara Gold Premium Credit Card, you can avail of free travel and personal accident insurance. This insurance plan covers medical expenses, dental care, personal accident, baggage loss (US$ 2,000 for Gold Premium Card Members), loss of valuables/cash, and more.

Roadside Assistance

As a member of the DIB Credit Card, you can avail of the free roadside assistance service. This complimentary service includes:

  • Unlimited car services
  • Replacement car (for 24 hours)
  • Complimentary yearly registration
  • Towing
  • Battery boost
  • Vehicle servicing - pick up & drop off
  • Vehicle registration - one time in a year
  • Flat tyre fixing
  • Fuel assistance
  • Lock-out service
  • Off-road pull out- 5 complimentary services yearly
  • Unlimited Inter-emirate towing
  • 75 percent discount on the driving license (international)

In A Nutshell

With a wide range of benefits and features, the Dubai Islamic Bank Johara Gold Premium Credit Card deserves to be count in the list of best credit cards. Not only it easily integrates into your lifestyle but also it provides you a rewarding experience at every single step.