DIB Prime Infinite Card
A free-for-life Visa Infinite with lounge access for two
at Dubai Islamic Bank's secure site
See rates & fees.
Rewards rate
"Free-for-life Visa Infinite cards with guest-inclusive lounge access essentially don't exist elsewhere in the UAE — DIB gives you one at 20,000 salary. Just respect its rules: spend 8,000 a month to keep the perks free, avoid using it abroad, and never carry a balance at 3.69% a month."
Earning and redeeming Wala'a Rewards
The Prime Infinite earns 3 Wala'a Rewards per 1 on retail spend in the UAE and 3.5 per equivalent in foreign currency. With 20,000 Wala'a Rewards worth 100, that's about 1.5% back domestically — a genuinely good rate for a card with no fee. The catches: EU spend earns nothing at all, and a long penalty list — supermarkets, telecom, education, petroleum, government services (including utility bills), takaful, car dealers, transport and real estate — earns just 0.2 Wala'a per , about 0.1%. Bills paid through DIB's own platforms, plus FX purchases, crypto, wire transfers and charity, earn nothing.
Redemption is flexible for a bank programme: book flights and hotel stays, take statement credit against your balance, buy Amazon.ae gift cards, pay utility bills or use the miles-exchange option — all from the DIB app. Value is flat at 20,000 points = 100, so there's no sweet spot to hunt; just redeem for whatever you'd have paid cash for.
Rates and fees
- Annual fee
- 0 — annual and renewal fee both Nil in the Key Facts Statement
- Profit rate
- Up to 3.69% per month (Salam structure); discretionary rebate when you settle in full by the due date
- International usage fee
- 3.70% on non- transactions; 3.14% on -billed international transactions
- Cash withdrawal fee
- 3.15% of the transaction amount; 26.25 extra at non-DIB ATMs abroad
- Late payment
- 236.25 donation to charity per instance — routed to charity under Sharia-board supervision, not bank income
- Minimum payment
- 5% of the principal balance or 100, whichever is higher
- Supplementary cards
- Free
- Credit Shield Takaful
- Optional, 0.94% of the outstanding amount per month
- Minimum salary
- 20,000 per month
Figures from the DIB Covered Cards Key Facts Statement (Aug 2026) and Schedule of Charges effective 11 August 2026; all charges include 5% VAT. Verify on dib.ae before applying.
Card benefits
12 lounge visits + guest
12 visits per calendar year for you and a guest across ~1,200 lounges via the Visa Airport Companion app. First visit free; later ones need a small foreign-currency spend 15 days before, or USD 32 per entry applies.
Free valet parking
2 free valet parkings a month at selected UAE locations — free while you spend 8,000+ a month on the card.
Visa Infinite concierge
Personalised concierge for bookings, event tickets and travel plans, plus a dedicated Visa Infinite website and luxury hotel privileges.
Roadside assistance
Complimentary roadside assistance up to 5 times a year — towing, battery boost, flat tyre, fuel delivery, off-road pull-out — plus a free international driving licence.
Multi-trip travel insurance
Multi-trip travel insurance included with the card for your journeys.
Purchase protection & warranty
Purchase protection and extended warranty on eligible purchases, with optional Credit Shield Takaful covering death, disability or job loss at 0.94% of the outstanding balance.
Pros and cons
- Genuinely free for life — the KFS lists both annual and renewal fee as Nil
- Solid 1.5% effective return on general domestic spend (3 Wala'a per 1)
- 12 lounge visits a year including a guest, rare on a no-fee card
- 2 free valet parkings a month and roadside assistance up to 5 times a year
- Fully Sharia-compliant Salam structure with late payments going to charity, not the bank
- High 3.70% international usage fee wipes out the better 3.5x foreign-currency earn rate
- Spend in EU countries earns no Wala'a Rewards at all
- Supermarkets, fuel, telecom, education, government and similar categories earn only about 0.1%
- Valet and similar offers require 8,000 minimum monthly spend to stay free
- Profit rate of up to 3.69% per month is steep if you carry a balance
- 20,000 minimum salary is the highest in the Prime range
Is it right for you?
Get this card if
- You earn 20,000+ and want premium Islamic banking perks without any annual fee
- You can comfortably spend 8,000 a month to keep valet and offers free
- You travel a few times a year and will use 12 guest-inclusive lounge visits
- You pay your balance in full — late payment is a charity donation, but profit still accrues
Consider skipping it if
- Much of your spend is supermarkets, fuel, telecom or bills — those earn ~0.1% here
- You spend heavily abroad — the 3.70% usage fee outweighs the extra earn, and EU spend earns nothing
- You want airline miles or transferable points rather than fixed-value bank rewards
Alternatives to consider
Skywards Miles, unlimited lounge visits and Emirates perks — worth its 2,625 first-year fee only for regular flyers.
See the Emirates Skywards DIB Infinite →
The same free-for-life formula from 15,000 salary — 2.5 Wala'a per and 8 lounge visits a year.
See the Prime Signature →
Straight cashback on everyday spend instead of points, with a much lower salary requirement.
Best cashback 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 Infinite Card have an annual fee?+
No — the Key Facts Statement lists both the annual fee and the renewal fee as Nil, so the card is free for life.
What is the minimum salary for the DIB Prime Infinite Card?+
AED 20,000 per month.
Is the DIB Prime Infinite Card Sharia-compliant?+
Yes. Dubai Islamic Bank is a fully Sharia-compliant bank and the Prime Infinite is a covered card based on the Islamic principle of Salam. Late payments are a donation to charity (AED 236.25) rather than bank income.
How much are Wala'a Rewards worth?+
20,000 Wala'a Rewards = AED 100. At 3 Wala'a per AED 1 on domestic retail spend, that works out to roughly 1.5% back.
Does the card include airport lounge access?+
Yes — 12 visits per calendar year for the cardholder plus a guest, via the Visa Airport Companion app (registration mandatory). The first visit each year is free; later visits require a small foreign-currency spend at least 15 days before, otherwise USD 32 per entry applies.
What does the card earn on supermarkets, fuel and utility bills?+
Only 0.2 Wala'a Rewards per AED 1 (about 0.1% back) on supermarkets, telecom, education, petroleum, government services including utility bills, takaful, car dealers, transport and real estate. Bills paid through DIB's own platforms earn nothing.
Is there a charge for using the card abroad?+
Yes — a 3.70% international usage fee on non-AED transactions, and 3.14% even if the foreign transaction is billed in AED.
What is the profit rate on the DIB Prime Infinite Card?+
Up to 3.69% per month under the card's Salam structure if you don't settle in full. DIB gives a discretionary rebate when you pay your total due by the due date.
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.