DIB Prime Classic Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 0.8 points/AED on international spend with no annual fee.
Free
Up to 0.8 pts/AED
AED 5,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a no-fee Sharia-compliant card and spend regularly on international purchases.
Not ideal if
You prioritize dining, travel bookings, or prefer cashback over points-based rewards.
Watch out for
The 4.85% FX markup can reduce value on international transactions despite higher points.
Calculate This Card’s Value
Earning Rates
0.5 pts/AED
0.8 pts/AED
0.2 pts/AED
0.2 pts/AED
0.2 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee makes it cost-effective for light spenders.
Earns 0.8 points per AED on international spend with no cap.
Sharia-compliant structure for customers seeking Islamic finance.
Includes car service and registration pickup/drop perks.
Watch out for
Weak 0.2 points per AED on groceries, education, and utilities.
4.85% FX markup reduces net value on foreign currency transactions.
Modest 0.5 points per AED baseline rate on general spending.
Fees & Conditions
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Frequently Asked Questions
Is the DIB Prime Classic Islamic Credit Card free?
Yes, this card has no annual fee and no joining fee, making it a cost-free option for eligible cardholders.
How many points do I earn on international purchases?
You earn 0.8 points per AED on international spend, which is the card's highest earning rate. There is no monthly cap on this category.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 points per AED. This rate also applies to groceries and utilities.
What is the foreign exchange fee on this card?
The card charges a 4.85% FX markup on foreign currency transactions. This can reduce the net benefit of the 0.8 points per AED earned on international spend.
What is the minimum salary to apply for this card?
You need a minimum monthly salary of AED 5,000 to be eligible for the DIB Prime Classic Islamic Credit Card.