DIB Prime Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning 2.2 points per AED on international spend and 2 points per AED on all other purchases.
Free
Up to 2.2 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 with modest points on international spend.
Not ideal if
You spend mainly on groceries, utilities, or education with very low earn rates.
Watch out for
The 4.85% FX markup can reduce value on international transactions despite bonus points.
Calculate This Card’s Value
Earning Rates
2 pts/AED
2.2 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.
Sharia-compliant structure aligns with Islamic banking principles.
2.2 points per AED on international spend offers a modest boost abroad.
Car service and registration pickup and drop perks add convenience.
Watch out for
Groceries, utilities, and education earn only 0.2 points per AED, very weak rates.
4.85% FX markup is higher than many competitors, reducing international value.
No welcome bonus or fee waiver incentive to accelerate early earning.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the DIB Prime Platinum 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 2.2 points per AED on international transactions and 2 points per AED on all other purchases.
Does this card earn rewards on school or university fees?
Yes, but the earn rate is only 0.2 points per AED on education spend, which is significantly lower than the baseline rate.
What is the foreign exchange markup on this card?
The FX markup is 4.85%, which is higher than many competitors and can reduce the net value of international points earned.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for the DIB Prime Platinum Islamic Credit Card.