DIB Prime Signature Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 3 points per AED on international spend and 2.5 points per AED elsewhere.
Free
Up to 3 pts/AED
AED 15,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international purchases and want a no-fee Sharia-compliant card.
Not ideal if
Your spending is concentrated on groceries, utilities, or education with weak earn rates.
Watch out for
The 4.85% FX markup on international transactions can erode your points value.
Calculate This Card’s Value
Earning Rates
2.5 pts/AED
3 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 everyday use.
Earns 3 points per AED on international spend with no cap.
Sharia-compliant structure aligns with Islamic finance principles.
Includes car service and registration pickup and drop perks.
Watch out for
Groceries, utilities, and education earn only 0.2 points per AED.
4.85% FX markup is high for frequent international transactions.
Requires minimum salary of AED 15,000 to qualify.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the DIB Prime Signature Islamic Credit Card?
No, this card has no annual fee, making it a cost-effective option for cardholders who want to earn points without ongoing charges.
How many points do I earn on international purchases?
You earn 3 points per AED on international transactions, which is the highest earn rate on this card. General spending earns 2.5 points per AED.
Does this card earn rewards on school or university fees?
Yes, but the earn rate is low at 0.2 points per AED for education spending. If you pay significant school fees, other cards may offer better rewards.
What is the foreign exchange markup on this card?
The FX markup is 4.85% on international transactions. While you earn 3 points per AED abroad, the high markup can reduce your net benefit.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 15,000 to be eligible for the DIB Prime Signature Islamic Credit Card.