DIB Prime Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 2.2 points per AED on international spend with no annual fee.
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 make frequent international purchases and want a Sharia-compliant card with no annual fee.
Not ideal if
You mainly spend on groceries, utilities, or education, which earn only 0.2 points per AED.
Watch out for
4.85% foreign exchange markup reduces value on international transactions despite the higher earn rate.
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 low to moderate spenders.
2.2 points per AED on international spend, higher than the baseline rate.
Sharia-compliant structure aligns with Islamic banking principles.
Car service and registration pickup/drop perks add convenience.
Watch out for
Groceries, utilities, and education earn only 0.2 points per AED.
4.85% foreign exchange markup is high and erodes international rewards.
No bonus categories for dining or travel beyond international spend.
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 spend, compared to 2 points per AED on all other purchases.
Does this card earn rewards on school or university fees?
Yes, but education spending earns only 0.2 points per AED, which is significantly lower than the baseline 2 points per AED on general spending.
What is the foreign exchange markup on this card?
The card charges a 4.85% foreign exchange markup on international transactions, which is relatively high and can reduce the net value of the 2.2 points per AED you earn abroad.
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.