The DIB Al Islami Platinum Charge Card is recognized worldwide, packed with privileges, and designed to suit your lifestyle. Experience more rewards than ever before with this exceptional card, which offers a range of features and benefits tailored to your needs.
Key Features and Benefits
Roadside Assistance
Experience worry-free driving with extensive breakdown services:
- Instant Breakdown Cover: Guarantees emergency breakdown assistance day and night anywhere in the UAE.
- Free Services: Includes flat tyre repair, free international license, free yearly registration for up to two cars, 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
Shop worry-free, assured that your purchases are safe:
- Theft and Damage Protection: Coverage up to USD 3,000 per occurrence, both locally and worldwide. This feature ensures that your valuable purchases are safeguarded against theft and damage, providing you with a stress-free shopping experience.
Travel and Personal Accident Insurance
Travel with comprehensive coverage for you and your family:
- Personal Accident Coverage: Get insured for up to USD 100,000.
- Accidental Death Coverage: Up to USD 100,000.
- Emergency Medical Coverage: Up to USD 100,000 in health insurance.
- 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 Coverage: When your baggage gets delayed you can get compensation coverage up to $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.
Simply buy your tickets with your Al Islami Platinum Charge Card for immediate enrollment in these benefits.
Global Acceptability
The DIB Al Islami Platinum Charge Card is accepted at over 27 million outlets worldwide. This ensures that you can use your card seamlessly for purchases and transactions wherever you go.
100% Cash Withdrawal
Access cash conveniently with the ability to withdraw cash from ATMs and designated branches globally. This gives you financial freedom, whether you’re traveling or handling local purchases.
Pros and Cons of the DIB Al Islami Platinum Charge Card
Pros:
- Comprehensive Roadside Assistance: Includes 24/7 emergency services, flat tyre repair, free international license, and free yearly registration for up to two cars.
- Purchase Protection: Coverage up to USD 3,000 per occurrence for theft and damage, both locally and worldwide.
- Extensive Travel Insurance: Personal accident benefits up to USD 100,000, and coverage for medical expenses, trip delays, baggage loss, and more.
- Worldwide Use: Accepted at more than 27 million places around the globe.
- 100% Cash Withdrawal: Access cash from ATMs and designated branches globally.
Cons:
- Some Free Roadside Assistance: You get three free services each year; if you need more, you’ll have to pay more.
- Monthly Subscription Fee: AED 475 per month.
- Low Rewards in Some Categories: Only 0.2 Wala’a Rewards for each AED 1 spent on groceries, telecom, education, fuel, and government services.
- No Rewards on EU Shopping: Shopping in an EU country does not earn any Wala’a Rewards.
- For your own Use Only: Using it for business or company purposes might cause your card to be restricted or even cancelled.
Comparison of DIB Al Islami Platinum Charge Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB Al Islami Platinum Charge Card | Emirates NBD Platinum Credit Card | ADCB Platinum Credit Card | FAB Platinum Credit Card |
|---|---|---|---|---|
| Monthly Subscription Fee | AED 475 | AED 250 | AED 300 | AED 300 |
| Welcome Bonus | Up to 10,000 Wala’a Rewards | 10,000 Skywards Miles | 10,000 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 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 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 Platinum Charge Card gives you lots of great benefits that make it stand out in the UAE. You can earn lots of Wala’a Rewards on both local and international purchases. It also comes with awesome travel insurance and roadside help. You can transfer high balances and have flexible transfer options. However, it costs AED 475 per month, which is more than some other cards. But, the card’s many benefits and high reward rates make it a fantastic choice if you want a rewarding and safe banking experience.
Conclusion
The DIB Al Islami Platinum Charge Card offers an exceptional array of benefits designed to enhance your lifestyle. With comprehensive roadside assistance, robust purchase protection, extensive travel and personal accident insurance, and global acceptability, this card provides a secure and rewarding experience. Whether you’re shopping, traveling, or managing your finances, the Al Islami Platinum Charge Card is the perfect companion, offering unparalleled privileges and peace of mind. Experience more rewards than ever before with this premium charge card, tailored to suit your way of life.