Experience more with the DIB Al Islami Gold Premium Credit Card. Seamlessly integrating into your lifestyle, this card brings a more rewarding experience at every step. With a monthly subscription of AED 475, it offers extensive benefits and features designed to enhance your everyday life and travel experiences.
Key Features and Benefits
Wala’a Rewards
The Al Islami Gold Premium Card grants instant access to the DIB loyalty program, Wala’a Rewards, enabling you to begin earning savings as soon as you start using your card.
- Earn 0.8 Wala’a Rewards for every AED 1 spent on retail purchases.
- Earn 1.2 Wala’a Rewards for every AED equivalent spent in foreign currency on retail purchases.
- Redemption Choices: Use your Wala’a Rewards for flight tickets, hotel accommodations, retail shopping, bill payments, and more.
Note: From December 1, 2019, retail spends originating in EU countries will not earn Wala’a Rewards.
Beginning January 1, 2024, retail credit card expenditures on groceries, telecom services, education, fuel, and government-related payments (including utility bills) will earn 0.2 Wala’a Rewards for each AED 1 spent.
Roadside Assistance
Enjoy comprehensive roadside assistance services with your Al Islami Gold Premium Card:
- Unlimited Car Services: Includes towing, vehicle servicing, battery boost, flat tyre fixing, lock-out service, fuel assistance, and off-road pull out.
- Replacement Car: Get a replacement car for 24 hours.
- Free Yearly Registration: One free yearly vehicle registration.
- International License Discount: 75% off on your international driving license.
Travel and Personal Accident Insurance
Travel with peace of mind knowing you and your family are covered with the Al Islami Gold Premium Card:
- Personal Accident Coverage: Up to USD 100,000 in principal sum insured.
- Accidental Death Coverage: Up to USD 100,000.
- Emergency Medical Costs: Coverage up to USD 100,000.
- Emergency Dental Coverage: Up to USD 500.
- Missed Departure/Cancellation: Up to USD 1,000.
- Trip Delay: Up to USD 1,000 for delays exceeding 4 hours.
- Delayed Baggage: Receive up to USD 1,000 for delays over 4 hours.
- Baggage Loss: Up to USD 3,000.
- Loss of Money: Up to USD 375.
- Personal Liability: Up to USD 60,000.
Credit Shield Takaful
Shield yourself from financial uncertainty with Credit Shield Takaful for a fee of 0.94% of your outstanding card balance:
- Unemployment Protection: Coverage up to AED 30,000 for involuntary job loss.
- Permanent Total Disability: Coverage up to AED 200,000.
- Death: Coverage up to AED 200,000.
Balance Transfer Facility
Take control of your finances with the balance transfer option available with your Al Islami Gold Premium Card:
- High Transfer Limits: Transfer up to 80% of your card limit or 100% of the available cash limit.
- Multiple Transfers: Carry out several balance transfers without needing documentation.
- Instant Transfer: Processed within 1 to 3 business days.
DIB Al Islami Gold Premium Credit Card Positives and Negatives
Positives:
- Generous Wala’a Rewards: Receive 0.8 Wala’a Rewards for every AED 1 spent on retail purchases and 1.2 Wala’a Rewards for every AED equivalent spent in foreign currencies.
- Extensive Redemption Options: Redeem rewards for flights, hotels, retail purchases, and bill payments.
- Comprehensive Roadside Assistance: Includes unlimited car services, replacement car for 24 hours, and 75% off on international driving license.
- Powerful Travel Insurance: Personal accident benefits up to USD 100,000 and extensive coverage for medical expenses, trip delays, and baggage loss.
- High Balance Transfer Limits: Transfer up to 80% of your card limit or 100% of the available cash limit.
- Credit Shield Takaful: Provides coverage for death, disability, and unemployment.
- Convenient Balance Transfers: Perform multiple balance transfers without documentation, processed within 1 to 3 business days.
Negatives:
- Minimal Rewards for Certain Categories: Earn 0.2 Wala’a Rewards for every AED 1 spent on groceries, telecom, education, fuel, and government services.
- No Rewards for shopping in the EU: Retail spending in EU countries does not accumulate Wala’a Rewards.
- Monthly Subscription Fee: AED 475 per month.
- Annual Fee for Credit Shield Takaful: 0.94% of the card outstanding balance.
- Personal Use Only: Business or corporate usage may result in your card getting restricted or cancelled.
How does the DIB Al Islami Gold Premium Credit Card compare to Similar Rival Cards in the UAE
| Feature/Benefit | DIB Al Islami Gold Premium Card | Emirates NBD Go4it Gold Card | ADCB SimplyLife Gold Card | FAB Gold Credit Card |
|---|---|---|---|---|
| Monthly Subscription Fee | AED 475 | AED 200 | AED 200 | AED 200 |
| Welcome Bonus | Up to 10,000 Wala’a Rewards | 5,000 Go4it Points | 3,000 TouchPoints | 5,000 FAB Rewards |
| Rewards Rate on Local Spend | 0.8 Wala’a Rewards/AED 1 | 1 Go4it Point/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 Go4it Points/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 Go4it Points/AED 1 | 0.5 TouchPoints/AED 1 | 0.5 FAB Rewards/AED 1 |
| Travel Insurance | Personal accident up to USD 100,000 | 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 3,000 per occurrence | No | Yes | Yes |
| Credit Shield Takaful | Yes (0.94% of card outstanding) | Yes | Yes | Yes |
Summary
The DIB Al Islami Gold Premium Credit Card gives you a huge range of benefits that is different than its competitors in the UAE. This card gives you Wala’a Rewards for domestic and international spending, full travel insurance, and reliable roadside assistance, it delivers outstanding value for those looking for premium services. The card’s large balance transfer limit and many transfer options are a big plus. Yet, the card’s monthly fee of AED 475 is higher than that of competitors, which may be a concern for some users. Despite this, the extensive benefits and higher reward rates for general spends make the DIB Al Islami Gold Premium Credit Card a superior choice for those seeking a rewarding and secure banking experience.
Conclusion
The DIB Al Islami Gold Premium Credit Card offers a comprehensive suite of benefits designed to enhance your lifestyle. With generous Wala’a Rewards, extensive roadside assistance, robust travel and personal accident insurance, and flexible balance transfer options, this card is an excellent choice for those seeking a rewarding and secure banking experience. Whether you’re traveling, shopping, or managing your finances, the Al Islami Gold Premium Card provides the services and security you need to enjoy a stress-free and rewarding experience.
Official info HERE