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Dubai Islamic Bank Consumer Reward Card Features & Benefits

By PolicyBazaar
Average Rating / 5 (ratings )
Published: 18 October 2019Last Updated On: 13 January 2021

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The Dubai Islamic Bank Prime Gold Card is one of the best credit cards available in the UAE that enables you to enjoy a rewarding banking experience. Packed with an extensive range of features and benefits, this DIB credit card is designed to meet your various lifestyle requirements.

Apart from this, it provides immediate access to the DIB loyalty program to let you enjoy travel & lifestyle perks across the globe.

Key Highlights of the Dubai Islamic Bank Prime Gold Card 

  • Zero annual membership fee
  • A minimum monthly salary of 5,000 dirhams is required to be eligible for this card.
  • Credit Shield Takaful
  • Personal accident and travel insurance
  • Protection Plus on this DIB credit card.

What Are The Various Dubai Islamic Bank Prime Gold Card Features That Make It Popular?

Given below are some of the key features of the Dubai Islamic Bank Prime Gold Card:

Cash Flexibility

You can withdraw cash for a maximum amount equivalent to 80 percent of your available credit limit.

Credit Shield Takaful

All the credit card transactions on the Dubai Islamic Bank Prime Gold Card are covered under the Credit Shield Takaful. You can take the benefit of this service for a nominal fee of 0.89 percent of your card outstanding. Credit Shield Takaful takes care of your card outstanding amount against the unfortunate events like 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

Card Protection Plus

Card Protection Plus is introduced to provide its customers with the best level of security. This feature enables you to set some specific spending limits on the Dubai Islamic Bank Prime Gold Card with respect to the use of credit card limit, purchases type, and even limited to specific geographic locations.

Balance Transfer

You can use this credit card to transfer the outstanding balance from other banks’ credit cards. The balance transfer feature of DIB can be utilized for a maximum of 100 percent of the available cash limit or 80 percent of your credit limit. Also, you are allowed to do more than one balance transfer transaction. Please note that the minimum transfer amount limit is 100 dirhams while the maximum transfer amount limit is 250,000 dirhams.

What Are The Key Dubai Islamic Bank Prime Gold Card Benefits To Enjoy?

The following are the main benefits offered by the Dubai Islamic Bank Prime Gold Card:

Wala’a Rewards Membership

This Dubai Islamic Bank Credit Card offers exclusive membership to the ‘DIB loyalty program’ known as Wala’a Rewards. You can use this program to earn rewards which can be further redeemed for free hotel stays & air tickets, retail spends, utility bill payments, and much more.

However, you can earn 1.5 Wala’a Rewards for each dirham spent.

Roadside Assistance

You can also enjoy the roadside assistance on a charge of an upgrade fee. Moreover, you can avail of this service a maximum of three times a year.

Travel & Personal Accident Insurance

On buying air tickets with a Dubai Islamic Bank Prime Gold Card, you can be eligible for a complimentary travel and personal accident insurance. This insurance plan covers dental care, medical expenses, personal accident, baggage loss, loss of valuables/cash, and more.

In A Nutshell

So, if you want to opt for the credit card that can meet your various lifestyle requirements then Dubai Islamic Bank Prime Gold Card is the right card for you. Packed with a host of exclusive benefits and privileges, this DIB credit card will make your every spending even more rewarding.