Dubai Islamic Bank Prime Classic Card Features & Benefits

By PolicyBazaar
  | Published: 18 October 2019 | Last Updated On: 12 November 2020
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Dubai Islamic Bank has introduced the Prime Classic Card considering the basic need of its customers. With exclusive benefits to meet your lifestyle requirements ranging from balance transfers to easy cash accessibility to much-needed insurance services, auto assistance, and a lot more, this credit card is the right choice for all types of spenders.

Key Highlights of the Dubai Islamic Bank Prime Classic Card

  • 80 percent cash withdrawn limit
  • Zero annual membership charges
  • Balance transfer facility
  • Credit shield takaful
  • Roadside assistance service

Some Basic Dubai Islamic Bank Prime Classic Card Features

Given below are some of the basic features of the Dubai Islamic Bank Prime Classic Card:

Cash Flexibility

The cash advance feature of this credit card allows you to withdraw cash up to 80 percent of your available credit limit.

Transfer Existing Balances

You can easily manage payments by consolidating your other credit card’s outstanding amount onto your Dubai Islamic Bank Prime Classic Card. You can avail of this facility via mobile or online banking and also through Banking Express Terminals. Below mentioned are some key features of balance transfer:

  • No documentation is required
  • The minimum transfer amount limit is 100 dirhams while the maximum transfer amount limit is 250,000 dirhams.
  • As a member of this card, you are allowed to do multiple balance transfer transactions.
  • 100 percent of the cash limit or 80 percent of the available credit limit can be utilized.

Credit Shield Takaful

For a charge of 0.89 percent of the credit card outstanding, the Dubai Islamic Bank Prime Classic Card’s credit shield takaful feature covers the unforeseen events of total disability, death, or involuntary loss of employment. It basically takes care of your card’s outstanding balance during such difficult times. Below specified is the maximum coverage:

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

Card Protection Plus

It is an optional service that Dubai Islamic Bank Prime Classic Card offers to allow you to set security preferences on your credit card. To be precise, this feature assists you to set spending limitations on your Prime Classic card on the basis of purchase type, fixed limit, and even geographical location of all transactions.

Few Dubai Islamic Bank Prime Classic Card Benefits

The following are the key benefits of the Prime Classic Card offered by the Dubai Islamic Bank:

Wala’a Rewards

You can enjoy access to the ‘Dubai Islamic Bank Loyalty program – Wala’a rewards’ & begin saving from day one. As you can earn 1 Wala’a rewards for each 1 dirham spent on retail spends and can redeem them for several purposes such as retail transactions, bill payments, air tickets, hotel stays, and much more.  

Travel and Personal Accident Insurance Coverage

On purchasing travel tickets with this Dubai Islamic Bank Credit Card, you can enjoy the vital travel & personal accident insurance coverage privileges (principal sum of US$ 50,000). This insurance plan covers delayed departure, medical expenses, loss of baggage, dental care, loss of valuables/cash, personal accident, etc.

To Conclude

The Dubai Islamic Bank Prime Classic Card is a well-renowned credit card in the UAE due to its top-class benefits and features. You can opt for this DIB credit card without giving a second thought if you want to make the most of your every spending. Because it entitles you to a reward program where you can earn Wala’a rewards for every 1 dirham spent and you can further redeem these rewards for a variety of purposes.