DIB Prime Classic Card
The no-frills Islamic card with no fee, ever
at Dubai Islamic Bank's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"The Prime Classic asks nothing and, rewards-wise, gives almost nothing back — 0.5 Wala'a per with 0.2 on the stuff you actually buy. What saves it are the practical extras: US$ 50,000 travel takaful, roadside assistance and a big documentation-free balance-transfer line. A fair free card, not a rewards card."
Earning and redeeming Wala'a Rewards
The Classic earns 0.5 Wala'a Rewards per 1 on UAE retail spend and 0.8 per 1 equivalent in foreign currency — the lowest rates in the Prime range. As across DIB's lineup, supermarkets, telecom, education, petrol, government services (including utility bills), takaful, car dealers, transport and real estate earn only 0.2 per , EU-originated retail spend earns nothing, and DIB-platform bill payments, charity, crypto and similar quasi-cash transactions are excluded.
Wala'a Rewards redeem for flight tickets, hotel stays, retail purchases and bill payments. DIB publishes no fixed value per point and the currency expires — read the Wala'a terms before counting on a return.
Rates and fees
- Annual fee
- Free for life — no annual or renewal fee in DIB's Schedule of Charges (Aug 2026)
- Profit rate
- Up to 3.69% per month (Salam-based monthly rate) on unsettled balances — no interest is charged
- Minimum salary
- Not published for this card — confirm eligibility with DIB
- International usage fee
- 3.70% on non- transactions; 3.14% even on -denominated transactions processed abroad
- Cash withdrawal fee
- 3.15% of the transaction amount; withdrawal limit up to 80% of your card limit
- Late payment
- 236.25 charity donation per instance (routed to charity under Sharia supervision, not a bank fee)
- Minimum payment
- 5% of the principal balance or 100, whichever is higher
- Supplementary cards
- Free
- Credit Shield Takaful
- Optional, 0.94% of outstanding per month — covers death ( 200,000), permanent disability ( 200,000) and job loss ( 30,000)
Rates verified against DIB's Schedule of Charges for cards (effective 11 August 2026) and the DIB Covered Cards Key Facts Statement (Aug 2026); all amounts include 5% VAT. Always confirm on dib.ae before applying.
Card benefits
US$ 50,000 travel takaful
Travel and medical coverage up to US$ 50,000 when you book flights on the card — for you, your spouse and up to 4 children under 18.
Credit Shield Takaful
Optional cover at 0.94% of the outstanding per month: 200,000 for death or permanent total disability, 30,000 for involuntary job loss.
Roadside assistance
Complimentary roadside assistance up to twice a year — towing, battery boost, flat tyre, fuel delivery, off-road pull-out — plus 50% off an international driving licence.
Balance transfer facility
Consolidate other banks' card balances — up to 80% of your limit or 100% of the available cash limit — with no documentation.
Cash flexibility
Withdraw up to 80% of your card limit in cash and transfer cash from the card straight to your DIB account.
Card Protection Plus
Optional security controls: set transaction types, spending limits and location restrictions on your card.
Pros and cons
- Free for life — no annual or renewal fee in DIB's Schedule of Charges
- Fully Sharia-compliant Salam-based covered card; late payment is a charity donation, not bank income
- Travel and medical takaful cover up to US$ 50,000 when you book flights on the card
- Complimentary roadside assistance twice a year, plus 50% off an international driving licence
- Consolidate other cards' balances — up to 80% of your limit — with no documentation
- Lowest Wala'a earn in the Prime range: 0.5 per at home, 0.8 abroad
- Essentials earn a token 0.2 Wala'a per — supermarkets, fuel, telecom, education, utilities and more
- High 3.70% international usage fee on non- spend
- No lounge access and no published minimum salary — eligibility is at the bank's discretion
- Up to 3.69% monthly Salam profit rate if you don't settle in full
Is it right for you?
Get this card if
- You want the simplest Sharia-compliant card with no annual fee — ever.
- You value practical cover — travel takaful, Credit Shield and roadside assistance — over points.
- You need a documentation-free balance-transfer facility to consolidate other cards.
Consider skipping it if
- You want rewards that amount to anything — 0.5 Wala'a per (0.2 on essentials) is close to decorative.
- You qualify for the Prime Gold — same zero fee, higher earn rates.
- You spend in foreign currency often — the 3.70% international usage fee outweighs the earning.
Alternatives to consider
Same zero fee with higher Wala'a earning (0.6 per ) and US$ 75,000 travel cover.
Best no-annual-fee cards →
3% guaranteed cashback on supermarkets, fuel, bills and school fees from an 5,000 salary.
Best cashback cards →
SHAMS Platinum adds lifestyle perks and stronger earning on all spend categories for a modest fee.
Best Islamic cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Does the DIB Prime Classic Card have an annual fee?+
No. DIB's Schedule of Charges (effective August 2026) lists the annual and renewal fee for all Prime covered cards as free — for life, not just the first year.
What is the minimum salary for the Prime Classic Card?+
DIB doesn't publish a minimum salary on the Prime Classic page. Its Prime Gold sibling asks for AED 5,000 a month; check with the bank for the Classic's exact eligibility.
How many Wala'a Rewards do I earn?+
0.5 Wala'a Rewards per AED 1 on retail spend and 0.8 per AED 1 equivalent in foreign currency. Supermarkets, telecom, education, petrol, government services, takaful, car dealers, transport and real estate earn a reduced 0.2 per AED 1, and EU-originated spend earns nothing.
Is the Prime Classic Card Sharia-compliant?+
Yes. DIB covered cards are structured on the Sharia principle of Salam and approved by the bank's Internal Sharia Supervision Committee. No interest is charged — the bank earns a profit rate, and late payers commit to a charity donation of AED 236.25 rather than paying a penalty to the bank.
Does the card come with travel insurance?+
Yes — travel and medical coverage up to US$ 50,000 when you book your flight tickets with the card, covering you, your spouse and up to four children under 18.
Can I transfer balances from other credit cards?+
Yes. You can consolidate other card balances onto the Prime Classic — up to 80% of your card limit or 100% of the available cash limit — with no documentation required.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.