Experience greater benefits and rewards with the DIB Al Islami Gold Charge Card. As an Al Islami Gold Charge Cardholder, you can enjoy a range of stress-free solutions across various benefits, including around-the-clock roadside assistance and extensive travel insurance coverage. This card is designed to provide you with seamless and rewarding financial experiences, ensuring that you get the most out of your daily transactions and travels.
Key Features and Benefits
Roadside Assistance
The Al Islami Gold Charge Card ensures you are never left stranded with comprehensive roadside assistance services:
- Instant breakdown cover: Emergency assistance 24/7 across the UAE.
- Free Services: Includes flat tyre repair, 75% off on your international driving license, free yearly vehicle registration, replacement car in case of accidents, and more.
- Upgrade Option: One additional roadside assistance service provided on charge of an upgrade fee, with a maximum cap of three services per year.
To avail these services, please email dibfeedback@motoringclub.com.
Purchase Protection
Enjoy peace of mind while shopping, with protection against theft and damage for your purchases:
- Theft and Damage Protection: Coverage up to USD 2,000 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 with comprehensive coverage for you and your family with the Al Islami Gold Charge Card:
- Personal Accident Coverage: Principal sum insured up to USD 75,000
- Accidental Death Coverage: Up to 100% of the principal sum insured.
- Medical Emergencies: Coverage up to USD 75,000
- Emergency Dental Coverage: Up to USD 250.
- Missed Departure/Cancellation: Up to USD 750.
- Travel Delay: Receive up to USD 750 for delays over 4 hours
- Delayed Baggage: Get up to USD 750 for delays over 4 hours.
- Baggage Loss: Up to USD 1,500.
- Loss of Money: Up to USD 250.
- Personal Liability: Up to USD 40,000.
Simply buy your tickets with your Gold Charge Card for immediate enrollment in these benefits.
Global Acceptability
The DIB Al Islami Gold Charge Card is recognized at more than 27 million locations globally, guaranteeing smooth transactions wherever you go.
100% Cash Withdrawal Limit
Access cash conveniently with the ability to withdraw up to 100% of your card limit from ATMs and designated branches globally. This feature grants you the financial flexibility needed for both traveling and managing local expenses.
Pros and Cons of the DIB Al Islami Gold Charge Card
Pros:
- Comprehensive Roadside Assistance: Includes 24/7 emergency services, flat tyre repair, 75% off on international driving license, free yearly vehicle registration, and replacement car in case of accidents.
- Purchase Protection: Coverage up to USD 2,000 per occurrence for theft and damage, both locally and worldwide.
- Extensive Travel Insurance: Personal accident benefits up to USD 75,000, and coverage for medical expenses, trip delays, baggage loss, and more.
- Worldwide Acceptance: Usable at more than 27 million locations across the globe.
- 100% Cash Withdrawal Limit: Withdraw up to the full card limit from ATMs and designated branches globally.
Cons:
- Restricted Free Roadside Assistance: Limited to three free services annually; additional services incur an upgrade fee.
- Minimal Reward Rate for Certain Categories: Earn 0.2 Wala’a Rewards for every AED 1 spent on groceries, telecom services, education, fuel, and government services.
- No Rewards for EU Purchases: Retail spending in EU countries does not accumulate Wala’a Rewards
- Annual Fee for Credit Shield Takaful: 0.94% of the card outstanding balance.
- For Personal Use Exclusively: Business or corporate usage may incur restrictions or lead to cancellations.
Comparison of DIB Al Islami Gold Charge Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB Al Islami Gold Charge Card | Emirates NBD Gold Credit Card | ADCB TouchPoints Gold Card | FAB Gold Credit Card |
|---|---|---|---|---|
| Annual Fee | AED 475 | AED 400 | AED 300 | AED 315 |
| Welcome Bonus | Up to 10,000 Wala’a Rewards | 10,000 Skywards Miles | 5,000 TouchPoints | 10,000 FAB Rewards |
| Rewards Rate on Local Spend | 0.8 Wala’a Rewards/AED 1 | 1 Skywards Mile/AED 1 | 1 TouchPoint/AED 1 | 1 FAB Reward/AED 1 |
| Rewards Rate on Foreign Spend | 1.2 Wala’a Rewards/AED equivalent | 1.5 Skywards Miles/AED 1 | 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 75,000 | 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 2,000 per occurrence | No | Yes | Yes |
| Credit Shield Takaful | Yes (0.94% of card outstanding) | Yes | Yes | Yes |
Summary
The DIB Al Islami Gold Charge Card offers a comprehensive suite of benefits that sets it apart from its rivals in the UAE market. Offering ample Wala’a Rewards for both domestic and international spending, comprehensive travel insurance, and reliable roadside assistance, it delivers outstanding value for individuals seeking top-tier services. Its substantial balance transfer limit and versatile transfer options add to its attractiveness. Yet, the card’s annual fee of AED 475 is higher than that of competitors, which may be a factor for some users. Despite this, the extensive benefits and higher reward rates for general spends make the DIB Al Islami Gold Charge Card a superior choice for those seeking a rewarding and secure banking experience.
Conclusion
The DIB Al Islami Gold Charge Card provides a wide range of benefits tailored to elevate your lifestyle. Featuring extensive roadside assistance, strong purchase protection, comprehensive travel and personal accident insurance, and worldwide acceptance, this card ensures a secure and rewarding experience. Whether you’re shopping, traveling, or managing your finances, the Al Islami Gold Charge Card ensures you have the services and security you need to enjoy a stress-free and rewarding experience. Experience greater benefits and rewards with this premium charge card, tailored to suit your way of life.
Official info HERE