DIB Prime Signature Card
Travel perks and lounge visits on a card that's free for life
at Dubai Islamic Bank's secure site
See rates & fees.
Rewards rate
"For 0 a year you get lounge visits, valet, roadside assistance and travel insurance — a package most banks charge 500+ for. The Signature hits the sweet spot in the Prime range: most of the Infinite's substance at a salary floor 5,000 lower."
Earning and redeeming Wala'a Rewards
The Prime Signature earns 2.5 Wala'a Rewards per 1 on UAE retail spend and 3 per equivalent in foreign currency. At 20,000 Wala'a Rewards = 100, that's about 1.25% back domestically. The same traps as the whole Prime family apply: EU spend earns nothing, and supermarkets, telecom, education, petroleum, government services (including utility bills), takaful, car dealers, transport and real estate all 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 straightforward: flights and hotels, statement credit, Amazon.ae gift cards, utility bill payments or miles exchange, all at a flat 20,000 points = 100. No award charts to game — treat the points as a slow-building cash pot.
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
- 15,000 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
8 lounge visits a year
8 visits per calendar year across ~1,200 lounges via the Visa Airport Companion app (cardholder only). 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 5,000+ a month on the card.
Multi-trip travel insurance
Multi-trip travel insurance included, whether you travel for business or pleasure.
Roadside assistance
Complimentary roadside assistance up to 3 times a year — towing, battery boost, flat tyre, fuel delivery, off-road pull-out — plus a free international driving licence.
Visa Signature concierge
Personalised concierge, a dedicated Visa Signature website and privileges at luxury hotels worldwide.
Protection on card and purchases
Purchase protection and extended warranty, optional Credit Shield Takaful (0.94% of balance), and Card Protection Plus to set your own transaction limits and location restrictions.
Pros and cons
- Genuinely free for life — the KFS lists both annual and renewal fee as Nil
- About 1.25% effective return on general domestic spend (2.5 Wala'a per 1)
- 8 lounge visits a year plus multi-trip travel insurance at no fee
- 2 free valet parkings a month and roadside assistance up to 3 times a year
- Fully Sharia-compliant Salam structure with late payments going to charity, not the bank
- High 3.70% international usage fee outweighs the better 3x 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 5,000 minimum monthly spend to stay free
- Profit rate of up to 3.69% per month is steep if you carry a balance
- Lounge visits are for the cardholder only — guests pay
Is it right for you?
Get this card if
- You earn 15,000+ and want travel and lifestyle perks without ever paying a fee
- You can spend 5,000 a month to keep valet and the offers free
- You take a few trips a year — 8 lounge visits and travel insurance cover the basics
- You pay your balance in full each month
Consider skipping it if
- 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 extra earn, and EU spend earns nothing
- You often travel with a companion who'd need lounge access — guest visits cost extra
Alternatives to consider
Same free-for-life deal with more: 3 Wala'a per , 12 lounge visits including a guest, and 5 roadside callouts.
See the Prime Infinite →
Skywards Miles and Emirates perks instead of bank points — but with a real annual fee from year two.
See the Emirates Skywards DIB 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 Signature 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 Signature Card?+
AED 15,000 per month.
Is the DIB Prime Signature Card Sharia-compliant?+
Yes. Dubai Islamic Bank is a fully Sharia-compliant bank and the Prime Signature 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 2.5 Wala'a per AED 1 on domestic retail spend, that works out to roughly 1.25% back.
Does the card include airport lounge access?+
Yes — 8 visits per calendar year for the primary cardholder, 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. Guests can be brought in for a fee.
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 Card Protection Plus?+
An optional facility that lets you set security preferences on the card — the transaction types it can be used for, financial limits and location restrictions.
What is the profit rate on the DIB Prime Signature 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.