DIB Prime Gold Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 1 point per AED on international spend with no annual fee.
Free
Up to 1 pts/AED
AED 5,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You make frequent international purchases and want a Sharia-compliant card with no annual fee.
Not ideal if
You spend mostly on dining, travel, or domestic categories with no international transactions.
Watch out for
The 4.85% foreign exchange markup reduces the value of international rewards earned.
Calculate This Card’s Value
Earning Rates
1 pts/AED
0.6 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 to moderate spenders.
Earns 1 point per AED on international spend with no cap.
Sharia-compliant structure for customers seeking Islamic finance products.
Includes car service and registration pickup and drop-off perks.
Watch out for
Low earn rates on groceries, education, and utilities at 0.2 points per AED.
No bonus earning on dining, fuel, or travel categories.
4.85% foreign exchange markup applies to international transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the DIB Prime Gold Islamic Credit Card?
No, this card has no annual fee, making it a cost-effective option for cardholders who want to avoid recurring charges.
How many points do I earn on international purchases?
You earn 1 point per AED spent on international transactions. All other spending earns 0.6 points per AED.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 points per AED. However, this is a lower rate compared to international and general spending.
What is the foreign exchange markup on this card?
The card charges a 4.85% foreign exchange markup on international transactions, which can reduce the net value of rewards earned abroad.