DIB Prime Platinum Card
A free-for-life Islamic card from an 5,000 salary
at Dubai Islamic Bank's secure site
See rates & fees.
Rewards rate
"At 5,000 salary and zero fee, the Prime Platinum's USD 100,000 family travel cover is the standout — most starter cards give you nothing like it. Rewards are an afterthought at ~1%; take it for the protections, and upgrade to the Signature once your salary allows."
Earning and redeeming Wala'a Rewards
The Prime Platinum earns 2 Wala'a Rewards per 1 on UAE retail spend and 2.2 per equivalent in foreign currency. With 20,000 Wala'a Rewards worth 100, that's about 1% back domestically. The Prime family's traps apply here too: EU spend earns nothing, and supermarkets, telecom, education, petroleum, government services (including utility bills), takaful, car dealers, transport and real estate drop to 0.2 Wala'a per — roughly 0.1%. Bills paid through DIB's own platforms, FX purchases, crypto, wire transfers and charity earn nothing.
Redemption is simple and fixed-value: flights and hotels, statement credit, Amazon.ae gift cards, utility bill payments or miles exchange, all at 20,000 points = 100 through the DIB app.
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
- 5,000 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
USD 100,000 travel cover
Travel and medical coverage up to USD 100,000 when flights are booked on the card — personal accident, emergency medical, delays, lost baggage — for you, your spouse and up to 4 children under 18.
Buyer's protection
Complimentary protection of purchases against theft or damage for worry-free shopping.
Visa Luxury Hotels
Best rates, room upgrades, late check-out and more at luxury hotels worldwide through Visa.
Roadside assistance
Complimentary roadside assistance up to 2 times a year — towing, battery boost, flat tyre, fuel delivery, off-road pull-out — plus a free international driving licence.
Card Protection Plus
Set your own security preferences: allowed transaction types, financial limits and location restrictions on the card.
Balance transfer facility
Move balances from other banks' cards via online or mobile banking — up to 80% of your card limit, from 100 to 250,000, with no documentation.
Pros and cons
- Genuinely free for life — the KFS lists both annual and renewal fee as Nil
- 5,000 salary floor makes it one of the most accessible Islamic cards
- Travel and medical cover up to USD 100,000 including spouse and up to 4 children
- Buyer's protection, Visa Luxury Hotels perks and roadside assistance twice a year
- Late payments become a charity donation under the Salam structure, not bank profit
- No airport lounge access — that starts at the Prime Signature tier
- 1% effective reward rate is modest, and essentials categories earn only about 0.1%
- High 3.70% international usage fee cancels the small foreign-currency earn bump
- Spend in EU countries earns no Wala'a Rewards at all
- Profit rate of up to 3.69% per month is steep if you carry a balance
Is it right for you?
Get this card if
- You earn 5,000+ and want a Sharia-compliant card with no fee, ever
- You book family trips on the card — the USD 100,000 travel cover includes spouse and kids
- You want a first credit card with real protections rather than flashy perks
- You pay your balance in full each month
Consider skipping it if
- You want lounge access — that starts with the Prime Signature at 15,000 salary
- Most 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 earn, and EU spend earns nothing
Alternatives to consider
Still free for life, but adds 8 lounge visits, valet parking and a higher 2.5x earn rate.
See the Prime Signature →
Direct cashback on everyday spend instead of fixed-value points — DIB's simpler rewards answer.
Best cashback cards →
DIB's SHAMS Platinum takes a lifestyle angle for an 208.95 annual fee — compare before you choose.
Best Islamic credit 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 Platinum 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 Platinum Card?+
AED 5,000 per month — the lowest in the Prime range.
Is the DIB Prime Platinum Card Sharia-compliant?+
Yes. Dubai Islamic Bank is a fully Sharia-compliant bank and the Prime Platinum 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 2 Wala'a per AED 1 on domestic retail spend, that works out to roughly 1% back.
Does the Prime Platinum include airport lounge access?+
No. DIB's complimentary lounge access programme covers Visa Signature and Infinite cards only. You would need the Prime Signature (8 visits a year) or Prime Infinite (12 visits with a guest) for lounge access.
What travel insurance does the card include?+
Travel and medical coverage of up to USD 100,000 when you book flight tickets with the card — covering personal accident, emergency medical expenses, cancelled or delayed departure, lost belongings and baggage delay or loss, for you, your spouse and up to 4 children under 18.
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.
What is the profit rate on the DIB Prime Platinum 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.