Dubai Islamic Bank Consumer Reward Card

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Dubai Islamic Bank has a long history of excellence in the fields of investment and personal finance, having served as UAE’s largest Islamic Banking organization for over 44 years. Dubai Islamic Bank has continued to serve its nearly 2 million strong customer base with the same vigor as it did when the door opened in 1975.

Dubai Islamic Bank offers a wide range of credit cards that are loaded with amazing features and benefits. And one such exclusive credit card is Dubai Islamic Bank Prime Gold Credit Card. This DIB card offers cardholders access to many loyalty program benefits and to travel discounts all over the world, helping its card members to enjoy a rewarding banking experience.

Features & Benefits of DIB Prime Gold Credit Card

The assorted mix of Dubai Islamic Bank Prime Gold credit card features and benefits are listed below:

Personal & Travel Insurance

By purchasing flight tickets with a Dubai Islamic Bank Prime Gold credit card, cardholders become eligible for free personal and travel insurance. They can enjoy insurance coverage benefits of up to US$ 75,000. This insurance plan covers dental expenses, medical expenses, travel inconveniences, and personal accidents, loss of cash/ valuables and much more.

Cash Withdrawals

Cardholders may also withdraw cash from any Visa accepting ATM or Dubai Islamic Bank branch for a maximum amount equal to 80% of the Dubai Islamic Bank Prime Gold card limit. Also, cash can be directly transferred to the Dubai Islamic Bank card account via the Dubai Islamic Bank online portal.

Roadside Assistance

Dubai Islamic Bank Prime Gold credit card members can also avail of unlimited roadside assistance and services such as towing, flat tyre fixing, vehicle registration, vehicle servicing, battery boosting, lock-out help, fuel delivery, international driving license – 75% off, and off-road pull out.  

Credit Shield Takaful

The Dubai Islamic Bank Prime Gold credit card offers customers indemnity from paying for outstanding credit card balance up to a fixed limit in the event of death, permanent disability of involuntary loss of employment. This is provided thanks to the Dubai Islamic Bank Credit Shield Takaful feature which is available to all cardholders for a minimal fee of 0.89% of the outstanding Dubai Islamic Bank 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

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.

Balance Transfers

Members of the Dubai Islamic Bank Prime Gold credit card can avail up to 80% of their credit limit as outstanding balance transfers from other credit cards. Cardholders also receive 0% profit charges on all balance transfer repayments for the first six months.

Dubai Islamic Bank EPPs

Members of the Dubai Islamic Bank Prime Gold credit card can also enjoy the many Easy Payment Plan offers across select vendors that enable them to convert big purchases into small monthly repayments at attractive profit rate.

DIB Prime Gold Credit Card Rewards & Offers

Dubai Islamic Bank Prime Gold credit card offers and rewards include:

Wala’a Rewards Membership

Members of the Dubai Islamic Bank Prime Gold credit card are given membership to the DIB loyalty program - Wala’a Rewards. Under this program, cardholders can earn 1.5 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).

Eligibility Criteria to Apply For DIB Prime Gold Credit Card  

The various Dubai Islamic Bank Prime Gold credit card eligibility criteria requirements are as follows:

  • Minimum Age Requirement: 21+ Years
  • Minimum Monthly Salary Required: AED 5,000
  • Residential Eligibility: UAE residence Visa

Fees & Charges on DIB Prime Gold Credit Card

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

Fees and Charges Amount
Annual Membership Charges Free
Monthly Subscription Charges 375
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 Gold Credit Card

Q1: What is the minimum salary required to avail the Dubai Islamic Bank Prime Gold Credit Card?

Ans: You need a minimum monthly income of AED 5,000 to avail this DIB credit card.

Q2: What is the annual fee of this DIB credit card?

Ans: There is no annual membership levied on the Dubai Islamic Bank Prime Gold Credit Card.

Q3: How much does Credit Shield Takaful cover for Permanent Total Disability?

Ans: You can avail maximum coverage of up to AED 200,000 for Permanent Total Disability.

Q4: Will I earn Wala’a Reward Points on cash withdrawals?

Ans: No, Wala’a rewards can’t be earned on cash withdrawals.

Q5: Does loss of cash/valuables also covered under personal and travel insurance?

Ans: Yes, loss of cash/valuables gets covered under the personal and travel insurance offered by the DIB Prime Gold Credit Card.