Smarter banking choices require smarter solutions, and the DIB Al Islami Classic Charge Card offers just that. With a perfect mix of features and benefits designed to meet your needs, this card ensures a seamless and rewarding financial experience.
Key Features and Benefits
Roadside Assistance
With the DIB Al Islami Classic Charge Card, you are never left stranded. Enjoy comprehensive roadside assistance services:
- Automatic Enrollment: Guarantees 24/7 emergency assistance across the UAE.
- Free Services: Includes flat tyre repair, 50% off on your international driving license, and five free services per year.
- Upgrade Option: One additional roadside assistance service available on charge of an upgrade fee, with a maximum cap of three services per year.
To use these services, please email dibfeedback@motoringclub.com.
Purchase Protection
Shop with confidence, knowing that your purchases are protected against theft and damage:
- Theft and Damage Protection: Coverage up to USD 1,000 per occurrence, both locally and worldwide. This feature provides peace of mind, ensuring that your valuable purchases are safeguarded no matter where you shop.
Travel and Personal Accident Insurance
Travel securely with comprehensive coverage for you and your family:
- Personal Accident Benefits: Principal sum insured up to USD 50,000.
- Accidental Death Coverage: Up to 100% of the principal sum insured.
- Medical Emergency Costs: Protection up to USD 62,000.
- Emergency Dental Coverage: Up to USD 125.
- Missed Departure/Cancellation: Up to USD 750.
- Flight Delay: Up to USD 125 for flights delayed more than 4 hours.
- Baggage Delay: Up to USD 375 for delays exceeding 4 hours.
- Baggage Loss: Up to USD 500.
- Loss of Money: Up to USD 125.
- Personal Liability: Up to USD 25,000.
Simply buy your tickets with your Classic Charge Card for immediate enrollment in these benefits.
Global Acceptability
The DIB Al Islami Classic Charge Card is accepted at over 27 million outlets worldwide, ensuring seamless transactions no matter where you are.
100% Cash Withdrawal Limit
Easy cash access, with the ability to withdraw up to 100% of your card limit from ATMs and designated branches globally. This instant cash feature helps you make purchases easily, whether you are traveling or managing expenses locally.
Pros and Cons of the DIB Al Islami Classic Charge Card
Pros:
- Comprehensive Roadside Assistance: Includes 24/7 emergency services, flat tyre repair, 50% off on international driving license, and five free services per year.
- Purchase Protection: Coverage up to USD 1,000 per occurrence for theft and damage, both locally and worldwide.
- Extensive Travel Insurance: Personal accident benefits up to USD 50,000, and coverage for medical expenses, trip delays, baggage loss, and more.
- Worldwide Availability: Accepted at over 27 million outlets worldwide.
- 100% Cash Withdrawal Limit: Withdraw up to the full card limit from ATMs and designated branches globally.
Cons:
- Limited Free Roadside Assistance Services: Only five free services per year; additional services require an upgrade fee.
- Lower Purchase Protection Limit: Coverage up to USD 1,000 per occurrence may be insufficient for high-value items.
- Small Wala’s Rewards on Specific Categories: 0.2 Wala’a Rewards per AED 1 spent on supermarkets, telecom, education, petroleum, and government services.
- Buying in the EU gains zero Rewards: Retail shopping in EU countries does not earn you Wala’a Rewards.
- Annual Fee for Credit Shield Takaful: 0.94% of the card outstanding balance.
- For Personal Use Only: Don’t use it for business or corporate purchases or it may lead to the card being restricted or cancelled.
Comparison of DIB Al Islami Classic Charge Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB Al Islami Classic Charge Card | Emirates NBD Classic Credit Card | ADCB SimplyLife Classic Card | FAB Classic Credit Card |
|---|---|---|---|---|
| Annual Fee | AED 250 | AED 200 | AED 200 | AED 200 |
| Welcome Bonus | Up to 5,000 Wala’a Rewards | 5,000 Skywards Miles | 3,000 TouchPoints | 5,000 FAB Rewards |
| Rewards Rate on Local Spend | 0.5 Wala’a Rewards/AED 1 | 0.5 Skywards Mile/AED 1 | 1 TouchPoint/AED 1 | 1 FAB Reward/AED 1 |
| Rewards Rate on Foreign Spend | 0.8 Wala’a Rewards/AED equivalent | 1 Skywards Mile/AED equivalent | 1.5 TouchPoints/AED 1 | 1.5 FAB Rewards/USD 1 |
| Rewards Rate on Specific Categories | 0.2 Wala’a Rewards/AED 1 | 0.5 Skywards Miles/AED 1 | 0.5 TouchPoints/AED 1 | 0.5 FAB Rewards/AED 1 |
| Travel Insurance | Personal accident up to USD 50,000 | Up to USD 50,000 | Up to USD 50,000 | Up to USD 50,000 |
| Roadside Assistance | Comprehensive services included | Included | Included | Included |
| Balance Transfer Limit | Up to 80% of card limit | Up to 50% of card limit | Up to 50% of card limit | Up to 80% of card limit |
| Purchase Protection | Up to USD 1,000 per occurrence | No | Yes | Yes |
| Credit Shield Takaful | Yes (0.94% of card outstanding) | Yes | Yes | Yes |
Summary
The DIB Al Islami Classic Charge Card offers a comprehensive suite of benefits, making it a competitive option in the UAE credit card market. With extensive roadside assistance, robust purchase protection, and comprehensive travel insurance, it provides a secure and rewarding experience for cardholders. The card’s high balance transfer limit and global acceptability enhance its appeal, offering financial flexibility and convenience. Although the reward rates are lower for specific categories and the purchase protection limit is modest, the overall benefits and features make the DIB Al Islami Classic Charge Card a solid choice for those seeking a reliable and advantageous charge card.
Conclusion
The DIB Al Islami Classic Charge Card give you a very wide selection of benefits designed to improve your purchasing power. With robust roadside assistance, strong purchase protection, and comprehensive travel and personal accident insurance, this card provides a secure and rewarding experience. Whether you’re shopping, traveling, or managing your finances, the Al Islami Classic Charge Card ensures you have the services and security you need to enjoy a stress-free and rewarding experience. Embrace smarter banking with the Al Islami Classic Charge Card and enjoy the perfect blend of features and benefits tailored to suit your way of life.
Official info HERE