DIB Prime Classic Islamic Credit Card card image

DIB Prime Classic Islamic Credit Card Sharia-compliant

A Sharia-compliant credit card by DIB earning up to 0.8 points per AED on international spend.

Annual feeVAT included
Free

Top earnrewards rate
Up to 0.8 pts/AED

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
4.85%

Apply now

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You want a no-fee Sharia-compliant card with modest international earning.

Not ideal if
You spend heavily on dining, travel, or want strong category rewards.

Watch out for
The 4.85% FX markup reduces the value of international spend rewards.

If you make regular international purchases and want a no-fee Sharia-compliant card, the DIB Prime Classic Islamic Credit Card offers 0.8 points per…

Calculate This Card’s Value

Earning Rates

All Other Spends
0.5 pts/AED

International
0.8 pts/AED

Groceries
0.2 pts/AED

Education
0.2 pts/AED

Utilities
0.2 pts/AED

Perks

Car Service Pickup/Drop

Car Registration Pickup/Drop

Key Strengths and Weaknesses

Strengths

No annual fee makes it accessible for modest spenders.

Earns 0.8 points per AED on international purchases with no cap.

Sharia-compliant structure aligns with Islamic finance principles.

Includes car service and registration pickup and drop-off perks.

Watch out for

Low 0.2 points per AED on groceries, education, and utilities.

No enhanced earning on dining or travel bookings.

4.85% FX markup reduces international spend value significantly.

Fees & Conditions

Annual FeeFree

Fee WaiverN/A — always free

FX Markup4.85%

Minimum SalaryAED 5,000/mo

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Frequently Asked Questions

Is the DIB Prime Classic Islamic Credit Card free?

Yes, the card has no annual fee and no joining fee, making it a cost-free option for cardholders.

How many points do I earn on international purchases?

You earn 0.8 points per AED on international transactions, the highest rate on this card. There is no monthly cap on this earning.

What is the foreign exchange markup on this card?

The card charges a 4.85% FX markup on international transactions, which is higher than many competitors and reduces the net value of your international rewards.

Does this card earn rewards on school or university fees?

Yes, you earn 0.2 points per AED on education spending, including school and university fees, with no cap.

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.