Dubai Islamic Bank Prime Gold Card

About the DIB Prime Gold Card

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. Founded by the decree of Shaikh Rashid, Dubai Islamic Bank strongly adheres to its core values of morality and transparency across all of its banking practices. 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.

The Prime Gold Dubai Islamic Bank credit card offers cardholders access to many loyalty program benefits and to travel discounts all over the world. As a Visa Gold card, owners of the Prime Gold Dubai Islamic Bank card are also given access to Visa’s exclusive promotions.

Features & Benefits of DIB Prime Gold Card

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

Card Security

When it comes to secured card transactions, Prime Gold Dubai Islamic Bank credit cards come equipped with two features to help prevent credit card fraud and inconvenience to the cardholder. The first is the use of the Chip & Pin card security standard, which embeds a unique microchip in every Dubai Islamic Bank card and prevents it from being duplicated. The second is the Card Protection Plus feature, which allows the owner of the Prime Gold Dubai Islamic Bank credit card to set restrictions on the card as per credit limit restrictions, spending category restrictions or geographical restrictions.

Balance Transfers

Owners of the Prime Gold Dubai Islamic Bank 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.

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 Prime Gold Dubai Islamic Bank card limit.

Credit Shield Takaful

The Prime Gold Dubai Islamic Bank 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.

Benefits of DIB Prime Gold Card

The Prime Gold Dubai Islamic Bank credit card benefits are:

Wala’a Rewards Membership

Members of the Prime Gold Dubai Islamic Bank credit card are given membership to the DIB loyalty program - Wala’a Rewards. This program can be used to earn rewards such as complimentary flight tickets and hotel stays, amongst others. Further details are provided in the following section.

Travel Insurance

By purchasing flight tickets with a Prime Gold Dubai Islamic Bank credit card, cardholders become eligible for free travel insurance. This covers medical expenses, dental expenses, travel inconveniences, and personal accidents

Roadside Assistance

Prime Gold Dubai Islamic Bank credit card holders may also avail of unlimited roadside assistance and services such as towing, vehicle registration, lock-out help, fuel delivery and more.

DIB Prime Gold Card  Rewards & Offers

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

 

Dubai Islamic Bank Prime Gold Card
Wala's Rewards Offers
Owners of the Prime Gold Dubai Islamic Bank credit card are enrolled into the Wala's rewards program, which allows them to earn 1.5 Wala'a Rewards for every AED 1 they spend with their Prime Gold Dubai Islamic Bank card. Cardmembers receive a host of Dubai Islamic Bank credit card offers across retail spending, dining, lifestyle expenses and more. Offers are available on the Dubai Islamic Bank website.
Wala's Rewards may be redeemed for complimentary flight tickets and hotel stays, for utility bill payments and even shopping vouchers.


(Updated as of April 2019)


DIB Prime Gold Card  Eligibility Criteria & Charges

The Prime Gold Dubai Islamic Bank credit card eligibility requirements and charges are as follows:

 

Dubai Islamic Bank Prime Gold Card
Eligibility Criteria Charges
The minimum age eligibility for the Prime Gold Dubai Islamic Bank credit card is 21 years. Annual Membership Fee: No Annual Fee
The Prime Gold Dubai Islamic Bank credit card minimum salary requirement is of AED 5,000. Monthly Profit Charges: Up to 3.25%
Applicants are also required to be UAE residents. Late Charges: AED 236.25 (charitable donation)

 

(Updated as of April 2019)


Additional Benefits of DIB Prime Gold Card

Other Prime Gold Dubai Islamic Bank credit card benefits include:

Dubai Islamic Bank Online

The online Dubai Islamic Bank credit card platform allows cardholders to make payments on their Prime Gold Dubai Islamic Bank credit card, transfer funds and more.

Dubai Islamic Bank EPPs

Owners of the Prime Gold Dubai Islamic Bank credit card can also enjoy the many Easy Payment Plan offers across select vendors, which allows them to convert big purchases into small monthly repayments.