Dunia Finance Diamond Credit Card

Over the years, credit cards have become a lifestyle necessity for UAE residents and expats. The flashy lifestyle and the unlimited trappings in the region have made credit cards nothing less than a way of life for most people in the UAE. But with more than 200 different variations of credit cards on offer, taking the best pick could really prove to be a daunting task.

But choosing the best credit card isn’t that difficult for those looking to earn cash back, secure exclusive privileges, lap-in great offers and make huge savings for every dirham they spend. This is because they have Dunia Finance Diamond Credit Card readily available at their disposal.

About Dunia Finance Diamond Credit Card

In September 2009, UAE’s leading finance company, Dunia Finance introduced its ground-breaking Diamond Credit Card to help UAE's residents make maximum savings on any and all of their retail purchases and spend on the card. Ever since the introduction of Dunia Diamond Credit Card, it has consistently been one of the most-sought-after credit cards in the entire UAE region.

Dunia Diamond Credit Card rewards cardholders continuously as they receive 3% cash-back in the form of credits in monthly statements on an unlimited amount of spending, which they can use to buy whatever they like, whenever they like, without needing to worry about any restrictions on the scope of the benefit. In addition, this amazing credit card comes packed with amazing discounts at leading resorts, spas, dining and shopping outlets.

Features of Dunia Finance Diamond Credit Card

Dunia Diamond Credit Card comes packed with a wide range of ground-breaking features to ensure immediate and unlimited returns for the cardholders. Here is a little overview of just some of the many standout features of this acclaimed MasterCard offered by UAE’s leading finance company, Dunia Finance: 

  • 3% unlimited cashback on every purchase.
  • Exclusive MasterCard benefits.
  • Complimentary lounge access at more than 25 airports across a wide range of destinations.
  • Exclusive discounts on car rental from Avis.
  • Up to 5% discount on flights and airport pick-up and drop-off services under Dunia Travel Advantage.
  • Special travel packages.
  • Up to 4 free supplementary cards 
  • Dunia Double Secure feature.
  • dunia Wallet & Life Guard feature.
  • A grace period of 50 days to clear outstanding charges.
  • 3D secure transactions.
  • DuniaQwik feature.

 Benefits of Dunia Finance Diamond Credit Card

Dunia Diamond Credit Card is a premium credit card that has been carefully designed and thoughtfully conceptualized to ensure a lot of benefits and rewards for cardholders. The virtual ocean of rewards and benefits offered this is the best credit card ensures maximum savings, in the form of cash back and exclusive discounts, for card members. Here’s a list of just some of the many benefits offered by Dunia Finance Diamond Credit Card.

  • 3% unlimited cashback on all eligible purchases made using the card.
  • Complimentary access to 25 premium airport lounges at different destinations across the globe.
  • dunia Travel Advantage services where card members get to earn special travel packages, and up to 5% airline discounts and airport pick-up & drop-off services.
  • Exclusive discounts on shopping and dining.
  • 50% cash advance limits.
  • Comprehensive insurance protection plans and dedicated relationship manager for the card account.
  • Up to 4 free supplementary cards for family members.
  • Preferential pricing on other Dunia services & products. 

Eligibility

Here’s a little smattering on the eligibility criteria for Dunia Finance Diamond Credit Card:

  • Income Eligibility: AED 12,000 (Minimum monthly income)
  • Residential Eligibility –UAE residents with valid UAE Residence Visa
  • Verification Eligibility - Age/Id Proofs

Top Reasons to Get Dunia Finance Diamond Credit Card

3% cashback on all purchases, exclusive discounts, comprehensive insurance protection plan, residents of the UAE have absolutely no dearth of reasons to get Dunia Finance Diamond Credit Card. Here are just five top reasons to get Dunia Finance Diamond Credit Card.  

  1. Attractive Cashback Rewards - Dunia Finance Diamond Credit Card offers a 3% cashback on all purchases put on the card. And the best part is that there is no minimum spend required to earn the 3% cashback. In addition, there is no maximum limit on the cashback that card members can earn on the card. This cashback is credited to the card account each month.
  2. Hefty Discounts on Flights & Hotels– Dunia Finance Diamond Credit cardholders get to enjoy the amazing Dunia Travel Advantage service. This service ensures that Dunia Finance Diamond Credit card members get to earn up to 5% discount on flight tickets and airport pick-up and drop off services. This service is available to card members at a minimum spend of AED 5000.
  3. Complimentary Lounge Access– Dunia Finance Diamond Credit cardholders get to enjoy complimentary access to more than 25 premium airport lounges across a wide range of destinations including, Singapore, Thailand, USA, UK, Egypt, Turkey, and more.
  4. Exclusive Discounts on Car Rental– Dunia Finance Diamond Credit card members also get to enjoy an exclusive range of discounts on car rentals from Avis. This discount is not only available in the UAE region, but card members can also avail this discount across a number of other destinations including USA, Canada, Europe, Asia, Africa, and the Middle East.
  5. Complimentary Insurance Protection Plan– Dunia Finance Diamond Credit Card doesn’t just ensure maximum savings but also ensures that the card members are protected against fraudulent charges at all times with comprehensive, complimentary insurance offered by MasterCard for ultimate purchase protection.

Dunia Finance Diamond Credit Card Offers (Updated in June 2018)

  • 3% cashback on all purchases (No Promo Code Required)
  • 5% off on flight tickets (No Promo Code Required)
  • 5% off on airport drop off and a pick-up service (No Promo Code Required)
  • Discounts on car rental from Avis (No Promo Code Required)
  • Discounts at leading resorts, spas, dining and shopping outlets (No Promo Code Required)

Fees and Charges

Annual Membership Fee

AED 5000 + 5% VAT

Cash Advance Fee

AED 350 + 5% VAT

Over Limit Fee

AED 325

Late Payment Fee

AED 325

Card Replacement Fee

AED 105-168

Copy of Sale Voucher

AED 25 (inc. of 5% VAT)

Foreign Currency Transaction Fees

USD - 3.139% (5% VAT inc.)

Non-USD – 5.04% (5% VAT inc.)

Minimum Payment Due

5% of statement balance plus any overdue amount, or AED 100, whichever is higher.

No Liability Certificate

AED 100 (inc. of 5% VAT)

Liability Letter

AED 100 (inc. of 5% VAT)

Paper Statement Fee

Free

Fee for Cheque Issuance of Credit Balance

AED 25 (inc. of 5% VAT)

E-statement

Free


Dunia Finance Diamond Credit Card Rewards

  1. Cashback Rewards– Dunia Finance Diamond Card members are eligible to earn 3% cashback on for every AED 1 spent on the card. These cashback rewards are available year round and there is no spend stipulation to earn the 3% cashback rewards. Also, Dunia Finance Diamond Credit Card doesn’t stipulate any maximum limit for earning the 3% cashback on its card members.
  2. Travel Rewards- Cardholders can get to save a lot on their travel expenses using their Dunia Diamond Credit card. The Dunia Travel Advantage feature available for card members can help them avail up to 5% discounts on air tickets with different airlines and airport pick-up and drop-off services. In addition, this ground-breaking feature also helps card members get exclusive, special travel packages to help them consolidate their travel expenses.
  3. Discount Rewards– Dunia Finance Diamond Credit card members don’t only get to earn cashback rewards, but also get to earn discounts worth thousands across hundreds of restaurants, spas, shopping outlets, and resorts throughout the UAE.

How to Earn Rewards?

Dunia Finance Diamond Card offers 3% cashback for every AED 1 spent. This cashback can be earned on every successful transaction made by the card. This means card members can earn 3% for shopping, dining, spa treatments, flight bookings, hotel bookings, and much more. The cashback collected is credit back to the credit card account each month. 

How to Redeem Your Points?

Thoughtfully designed to meet the needs of people of every budget, taste, and requirements, Dunia Finance Diamond Credit Card offers 3% cash back on every successful purchase. In addition, the card also offers hefty discounts and exclusive deals to card members to help them make maximum savings. Dunia Finance Diamond Credit Card makes it easy for cardmembers to redeem the cashback by crediting it back to the credit card every month. The cashback earned can be used to make purchases in the subsequent months and card members can again earn 3% discounts on all the purchases made on the card.

Additional Information / Documentation

Here is a list of documents that applicants need to have in order to get Dunia Finance Diamond Credit Card:

  • Income documents/recent pay slips (Salaried individuals)
  • Passport copy
  • Resident Visa
  • Emirates id
  • 3-6 months bank statement
  • Credit card copy
  • Recent credit card statement
  • Residence proof
  • Address Proofs

How to Apply For Dunia Finance Diamond Credit Card?

It is fairly simple to apply for Dunia Finance Diamond Credit Card and one may easily do it by filling up the application form at Dunia Finance’s official website. However, experts suggest comparing the benefits, features, fees, and details of different credit cards before zeroing in on any credit card to ensure maximum benefits. But there are over 200 different types of credit cards available in the UAE region and it may prove to be a daunting task to compare the benefits, features, fees, and details of different credit cards. This is where Policybazaar.ae comes to the rescue of credit card seekers.

Policybazaar.ae makes the process of buying credit cards easier, hassle-free and well-informed. The platform allows credit card seekers to compare different credit card options for benefits, features, fees, and details, and the pick the one that best suits their requisites, tastes, and budget. In addition, credit card seekers may apply for the credit card of their choice directly from Policybazaar.ae, without having to run from pillar to post. 

Dunia Finance Diamond Credit Cards - FAQ's

Question 1: What is the Dunia Travel Advantage feature?

Answer: Dunia Travel Advantage is a unique feature that allows Dunia Finance Diamond Credit cardholders to earn up to 5% airline discounts, airport pick-up and drop-off services, and special travel packages.

Question 2: What is the duniaQuick feature?

Answer: duniaQuick is a revolutionary feature that helps Dunia Finance Diamond Credit cardholders transfer funds Transfer funds internationally to any beneficiary overseas, pay utility bills, school fees, and much more. Cardmembers looking to avail this feature call up the company’s 24-hour contact center to enrol for this service. In addition, this feature is available at an additional fee of between AED 20 and AED 100.

Question 3: What is the Dunia Double Secure?

Answer: Dunia Double Secure is an additional insurance facility available to the Dunia Finance Diamond Credit Cardholders. This amazing service is offered to ensure comprehensive coverage against total credit card outstanding balance in the event of death, permanent total disability, critical illness or job loss.

Question 4: What is the Dunia Wallet & Life Guard service?

Answer: Dunia Wallet & Life Guard is yet another optional insurance facility to Dunia Finance Diamond Credit Cardholders. This insurance is offered by American Home Assurance Company and it protects card members against accidental death or Permanent Total Disability. In addition, this feature also offers comprehensive if card members’ wallet gets stolen or lost. 

Question 5: How much can I get discounts on car rentals with Dunia Finance Diamond Credit Card?

Answer: You can get to earn as much as 15% discount every time you book car rentals from Avis across the UAE and the Middle East, USA, Asia, Canada, Africa, and Europe. In addition to the 15% discount, you may also get a complimentary upgrade with every rental. The best part is the fact that you don’t need a coupon code to redeem this discount. All you need to do is to simply use your Dunia Finance Diamond Credit Card to pay for Avis Car Rentals in order to grab this amazing offer.