Dubai Islamic Bank Prime Classic Card

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As the very first Islamic Banking organization in the UAE, Dubai Islamic Bank set the very high standard for Shariah-compliant banking in the region. They also set forth a way for Islamic credit cards to offer a global appeal through their various credit card offers and benefits. The line of Dubai Islamic Bank credit cards is fully aligned with the principles of Islamic Banking and presents a completely transparent system of charged to its cardholders.

The Dubai Islamic Bank Prime Classic credit card is the most affordable variant of the popular Prime Dubai Islamic Bank credit cards. The DIB credit card offers cardholders access to various lifestyle benefits at no annual membership fee and no minimum monthly income requirement.

Features & Benefits of DIB Prime Classic Credit Card

 The Dubai Islamic Bank Prime Classic credit card features & benefits are as mentioned below:

Cash Withdrawals

The Dubai Islamic Bank Prime Classic credit card offers cardholders the ability to withdraw as much as 80% of their Dubai Islamic Bank card limit as immediate cash. The service can be availed of at any Visa- accepting ATM or at any Dubai Islamic Bank branch. Also, cash can be directly transferred to the Dubai Islamic Bank card account via the Dubai Islamic Bank online portal.

Balance Transfers

As members of a Dubai Islamic Bank Prime Classic credit card, cardholders may transfer the outstanding balance from other bank’s credit cards to this Dubai Islamic Bank credit card. These dues can then be repaid at 0% profit for the first 6 months and can be availed for amounts between AED 100 to AED 250,000.

Personal & Travel Insurance

By purchasing flight tickets with a Dubai Islamic Bank Prime Classic credit card, cardholders become eligible for free personal and travel insurance. They can enjoy insurance coverage benefits of up to US$ 50,000. This insurance plan covers dental expenses, medical expenses, travel inconveniences, and personal accidents, loss of cash/ valuables and much more.

Roadside Assistance

The Dubai Islamic Bank Prime Classic credit card member also receives up to 3 complimentary roadside assistance services every year. The roadside assistance service offers card members flat tyre replacement, fuel delivery, vehicle registration once in a year, vehicle servicing, battery boosting, lock-out help, international driving license – 50% off, and off-road pull out.  

DIB Easy Payment Plans (EPP)

The Dubai Islamic Bank credit card Easy Payment Plan (EPP) allows cardholders to convert large purchases at all partnered vendors into small instalments that can be paid off every month instead.

Card Security

This DIB credit card comes with an amazing feature called Card Protection Plus feature, which allows the card member to set restrictions on the card as per credit limit restrictions, spending category restrictions or geographical restrictions.

Credit Shield

The Dubai Islamic Bank Prime Classic credit card offers cardholders an Islamic investment scheme or Takaful, known as Credit Shield. Credit Shield protects cardholders from outstanding payments on the occurrence of unforeseen tragedies such as death, permanent disability or involuntary unemployment. This feature is available to all cardholders for a minimal fee of 0.89% of the outstanding DIB credit card balance. Moreover, card members can enjoy the following maximum coverage:

  1. Permanent Total Disability: AED 200,000
  2. Involuntary loss of employment: AED 30,000
  3. Death: AED 200,000

DIB Prime Classic Credit Card Rewards & Offers

Cardholders receive all of the following Dubai Islamic Bank Prime Classic credit card rewards and offers:

Wala’a Rewards Program

Cardholders are enrolled in the Wala’a Rewards program, which is the Dubai Islamic Bank credit card loyalty program. Under this program, cardholders can earn 1 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 can 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).

Fees & Charges on DIB Prime Classic Credit Card

Following are the fees & charges associated with this DIB credit Card:

Fees and Charges Amount
Annual Membership Charges Free
Monthly Subscription Charges 195
Profit Rate on Salam Up to 3.25% per month
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 10, 2020)

Frequently Asked Questions on Dubai Islamic Bank Prime Classic Credit Card

Q1: What is the principal amount received under the travel & personal accident insurance coverage?

Ans: You can enjoy travel and personal accident insurance coverage of up to US$ 50,000.

Q2: Will I receive roadside assistance with this DIB credit card?

Ans: Yes, you will receive up to 3 complimentary roadside assistance services every year.

Q3: Can I transfer my Wala’a reward points to any other card which is offering the same rewards?

Ans: No, you cannot simply transfer your Wala’a reward points to any card.

Q4: How many days does it take to transfer the outstanding balance?

Ans: It usually takes 3 working days to transfer the outstanding balance to this DIB credit card.

Q5: Can I withdraw cash using this Dubai Islamic Bank Prime Classic Credit Card even when I am outside the UAE?

Ans: Yes, you can withdraw cash using this DIB credit card from anywhere in the world.

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