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Dubai Islamic Bank Prime Signature Card

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Dubai Islamic Bank opened its doors in 1975 under the blessing of Shaikh Rashid bin Saeed Al Maktoum. As the first and the largest Islamic Banking organization in the UAE, Dubai Islamic Bank has been providing excellent, Shariah-compliant products for close to half a decade. The Dubai Islamic Bank credit cards diligently follow the Islamic principles of banking by charging no interest and regularly donating to various charities, amongst their many other generous services.

The Dubai Islamic Bank Prime Signature Credit Card combines the wonders of travel with lifestyle benefits, unlike any other card. This DIB credit card offers cardholders access to travel and spending benefits both at home and overseas thereby helping them to make the most of their each spending.

Features & Benefits of DIB Prime Signature Credit Card

The extensive list of DIB Prime Signature credit card features & benefits are as follows:

Valet Parking

Card members can take advantage of two free valet parking services every month at various locations across Dubai and Abu Dhabi by simply displaying their Dubai Islamic Bank Prime Signature credit card.

Visa Signature Dedicated Website

Members of the Dubai Islamic Bank Prime Signature credit card can go through the Visa Signature dedicated website. The key features of this website include a detailed description of several card services, features and benefits, the exclusive information on VISA-assigned benefits & merchant partner offers as well as toll-free customer care numbers for all key global destinations.

Visa Luxury Hotel Offers

This DIB credit card allows its cardholders to enjoy exclusive visa privileges at over 900 luxury hotels all over the world like automatic room upgrade, discounts on stays, VIP guest status, free breakfast and internet, late check-out options, and a free food & beverage voucher worth USD 25.

Multi-Trip Travel Insurance

Dubai Islamic Bank provides cardholders with complimentary multi-trip insurance that includes cover against lost bagged, missed or delayed flights, hospitalization expenses, medical emergencies and charges for legal aid.

Concierge Services

Dubai Islamic Bank Prime Signature credit card members can avail the services of a personal global concierge at any time of the day, from anywhere in the globe. The concierge helps the cardholders to book flight tickets, make hotel reservations, airport transfers and much more.

Airport Lounge Access

Dubai Islamic Bank Prime Signature credit card offers the card member unlimited free access to premium airport lounges across the globe with a simple one-time registration.

Purchase Protection & Extended Warranty

All new purchases that are made with the DIB Prime Signature credit card are protected for up to 90 days from purchases against loss, theft and damage. Furthermore, the cardholder also receives an extended warranty on the purchase for up to 24 months.

Roadside Assistance

The Dubai Islamic Bank Prime Signature credit card offers unlimited roadside assistance to cardholders, which includes flat tyre replacement, fuel delivery, battery boosting, towing, vehicle servicing and registration, lock-out service, off-road pull out, inter emirate towing and complimentary international driving license.

Credit Shield Takaful

Credit Shield Takaful is an optional Shariah-compliant insurance policy that covers the cardholder’s DIB Prime Signature credit card payments in unforeseen events for a nominal charge of 0.89% of the card outstanding. Outstanding payments on the DIB Prime Signature credit card are protected against unforeseen events such as:

  • Permanent Total Disability - Cardholders are covered for up to AED 200,000.
  • Involuntary Loss of Employment - Cardholders are covered for up to AED 30,000.
  • Death - The cardholder’s estate is covered for up to AED 200,000.

Card Protection Plus

Members of the DIB Prime Signature credit card can customize all spending parameters on their card thanks to the Card Protection Plus feature. Card Protection Plus allows the Dubai Islamic Bank card member to set spending restrictions on their card on the basis of expense category, fixed limit or even geographical location of purchases.

Easy Payment Plans

Members of the Dubai Islamic Bank Prime Signature credit card may also convert their purchases at select stores into easy to pay monthly instalments via the Dubai Islamic Bank EPP.

Balance Transfer Facility

Cardholders may transfer outstanding balance amounts from any other credit card onto their Dubai Islamic Bank Prime Signature credit card for up to 80% of the card’s credit limit. This transferred balance amount can be paid off as monthly instalments. Additionally, Dubai Islamic Bank offers cardholders a 0% profit rate for the first 6 months of the transfer.

DIB Prime Signature Credit Card Rewards & Offers

Details on the DIB Prime Signature credit card rewards and offers are as follows:

Wala’a Rewards Program

This DIB credit card offers its card members a membership into the Wala’a Rewards program, which is Dubai Islamic Bank’s loyalty program. As part of the program, cardholders can earn 3 Wala’s rewards points on every dirham spent across all retail purchases and then redeem the accumulated points for free flight tickets, hotel stays, retail purchases, bill payments, and much 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).

Visa Signature Offers & Privileges

Members of the DIB Prime Signature Credit Card can enjoy local, regional, and global offers with travel, golf, entertainment, and travel establishment. Additionally, they can avail value-added benefits, exclusive offers, and also access & tickets to some special events all over the world.

Eligibility Criteria to Apply for DIB Prime Signature Credit Card

The Prime Infinite Dubai Islamic Bank credit card eligibility criteria are as follows:

  • Minimum Age Requirement: 21+ Years
  • Minimum Monthly Salary Required: AED 25,000
  • Residential Eligibility: UAE residence Visa

Fees & Charges on DIB Prime Signature Credit Card

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

Fees and Charges Amount
Annual Membership Charges NA
Monthly Subscription Charges NA
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 6, 2020)

Frequently Asked Questions on Dubai Islamic Bank Prime Signature Credit Card

Q1: How many free valet parking service can I avail on this Dubai Islamic Bank credit card?

Ans: You can avail 2 free valet parking services in one month with Dubai Islamic Bank Prime Signature Credit Card.

Q2: Does multi-trip travel insurance includes medical emergencies?

Ans: Yes, multi-trip travel insurance also includes medical emergencies.

Q3: Will I get any food voucher with this DIB credit card?

Ans: Yes, you will receive food & beverage voucher worth USD 25.

Q4: 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.

Q5: What is the minimum monthly income required in order to be eligible for the DIB Prime Signature Credit Card?

Ans: The applicant must have a minimum monthly income of AED 25,000 to be eligible for this card.