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 and 0.6 points per AED elsewhere.
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 spend regularly on international purchases and want a no-fee Sharia-compliant card.
Not ideal if
You spend mostly on dining, groceries, or other domestic categories with low earn rates.
Watch out for
The 4.85% FX markup can reduce value on international spend despite higher points.
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, making it accessible for Sharia-compliant cardholders.
Earns 1 point per AED on international spend with no cap.
Includes car service and registration pickup and drop-off perks.
Watch out for
Only 0.2 points per AED on groceries, education, and utilities.
4.85% FX markup is high for a card focused on international spend.
Requires minimum salary of AED 5,000 to qualify.
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 Sharia-compliant cardholders.
How many points do I earn on international purchases?
You earn 1 point per AED on international transactions, which is the card's highest earn rate.
What is the earn rate on groceries and education?
Groceries and education both earn 0.2 points per AED, which is lower than the baseline 0.6 points per AED on all other spending.
Can I use this card abroad without extra charges?
You can use the card abroad, but it carries a 4.85% foreign exchange markup on all international transactions, which can reduce the value of your points.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.