Experience an interest-free premium lifestyle with the DIB Prime Classic Card. This card is designed to match your lifestyle needs, offering easy cash accessibility, balance transfers, insurance services, auto assistance, and more. Discover why this should be your card of choice.
Key Features and Benefits
Wala’a Rewards
With the DIB Prime Classic Card, you gain immediate access to the DIB loyalty program – Wala’a Rewards, enabling you to start saving from day one:
- Earn 0.5 Wala’a Rewards for every AED 1 spent on retail purchases.
- Earn 0.8 Wala’a Rewards for every AED equivalent spent in foreign currency on retail purchases.
- Spending Your Wala’a Rewards: Trade your points for flight tickets, hotel stays, shopping, bill payments, and more cool stuff.
Remember: Purchases made in EU countries don’t earn Wala’a Rewards. Starting January 1, 2024, using your credit card for groceries, phone bills, school fees, gas, and government services (including utilities) will get you 0.2 Wala’a Rewards for every AED 1 you spend. No Points for Bills: You don’t earn rewards for paying utility and government bills through DIB.
Cash Flexibility
The Prime Classic Card provides easy cash access and flexibility to meet your financial needs:
- High Cash Withdrawal Limits: Withdraw up to 80% of your total card limit.
- Cash Transfer Feature: Quickly move money from your card to your Dubai Islamic Bank account.
Transfer Existing Balances
Simplify your payments by consolidating your other card balances onto your Prime Classic Card:
- Balance Transfer: Up to 80% of your card limit or 100% of the available cash limit.
- Ease of Management: Manage all your card payments in one place with no documentation required.
Travel and Personal Accident Insurance
Travel with confidence knowing you are covered with the Prime Classic Card:
- Personal Accident Benefits: Get up to $50,000.
- Emergency Medical Costs: Covered up to $62,000.
- Emergency Dental: Up to $125.
- Missed Departure/Cancellation: Up to $750.
- Trip Delay: Up to $125 for delays over 4 hours.
- Baggage Delay: Up to $375 for delays over 4 hours.
- Lost Baggage: Up to $500.
- Lost Money: Up to $125.
- Personal Liability: Up to $20,000.
Roadside Assistance
DIB cardholders enjoy comprehensive roadside assistance services free of cost:
- Vehicle Servicing: Includes pick-up and drop-off services.
- Vehicle Registration: Once a year.
- Battery Jump and Flat Tire Fix: Help to keep you going.
- Lock-Out Service and Fuel Assistance: Help when you need it most.
- Off-Road Pull-Out: Coverage for all driving conditions.
- International Driving License: Get 50% off on your International Driving License.
Credit Shield Takaful
For a fee of 0.94% of the card outstanding, protect yourself from financial uncertainty with Credit Shield Takaful:
- Job Loss Protection: Get up to AED 30,000 if you lose your job.
- Permanent Total Disability: Coverage up to AED 200,000.
- Death: Coverage up to AED 200,000.
Card Protection Plus
An extra feature that boosts your card’s security by letting you:
- Set Security Preferences: Determine the types of transactions your card can be used for.
- Set Financial Limits and Location Restrictions: Control spending and geographic usage.
Pros and Cons of the DIB Prime Classic Card
Pros:
- Wala’a Rewards Program: Earn 0.5 Wala’a Rewards per AED 1 on retail spends and 0.8 Wala’a Rewards per AED equivalent on foreign currency spends.
- Extensive Redemption Options: Redeem rewards for flights, hotels, retail purchases, and bill payments.
- High Cash Withdrawal Limits: Access up to 80% of the total card limit.
- Balance Transfer Facility: Consolidate other card balances up to 80% of card limit or 100% of available cash limit.
- Comprehensive Travel Insurance: Personal accident benefits up to USD 50,000 and extensive coverage for medical expenses, trip delays, and baggage loss.
- Roadside Assistance: Includes vehicle servicing, battery boost, flat tyre fixing, and more.
- Credit Shield Takaful: Protection if you die, get disabled, or lose your job.
- Card Protection Plus: Choose your security settings, set spending limits, and add location restrictions.
Cons:
- Low Rewards for Some Things: Earn 0.2 Wala’a Rewards for each AED 1 you spend on groceries, phone bills, school stuff, gas, and government services.
- No Rewards for EU Shopping: You won’t earn Wala’a Rewards when you shop in EU countries.
- Annual Fee for Credit Shield Takaful: 0.94% of the card outstanding balance.
- Minimum Monthly Spend Requirement: Must spend AED 5,000 monthly to maintain complimentary offers.
- For Personal Use Only: Using it for business or work might get it restricted or canceled.
Comparison of DIB Prime Classic Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB Prime Classic Card | Emirates NBD Classic Card | ADCB SimplyLife Classic Card | FAB Standard Classic Card |
|---|---|---|---|---|
| Annual Fee | AED 250 (waived on high spend) | AED 200 (waived on high spend) | AED 200 (waived on high spend) | AED 200 (waived on high spend) |
| Welcome Bonus | Up to 10,000 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 Miles/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 |
| Cash Withdrawal 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 |
| Roadside Assistance | Comprehensive services included | Included | Included | Included |
| Purchase Protection | Up to USD 3,000 per occurrence | No | Yes | Yes |
| Balance Transfer Facility | Yes | Yes | Yes | Yes |
| Credit Shield Takaful | Yes (0.94% of card outstanding) | Yes | Yes | Yes |
| Card Protection Plus | Yes | No | No | Yes |
Summary
The DIB Prime Classic Card offers a well-rounded suite of benefits, making it a competitive option in the UAE credit card market. While it provides a balanced rewards program through Wala’a Rewards, it is slightly lower compared to some rivals in specific categories. This card is excellent because it has high cash withdrawal limits, great travel insurance, and lots of roadside assistance. Other cards, like Emirates NBD, don’t offer all these features. Classic Card and ADCB SimplyLife Classic Card. Despite the lower rewards rate for specific categories and the annual fee for Credit Shield Takaful, the DIB Prime Classic Card’s robust protection benefits, balance transfer facility, and flexible security options make it a solid choice for those seeking value and security in their financial transactions.
Conclusion
The DIB Prime Classic Card gives you lots of great benefits to make your life better. With easy cash access, balance transfer facilities, robust travel and personal accident insurance, and extensive roadside assistance, 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 Prime Classic Card provides the services and security you need to enjoy a stress-free and rewarding experience.
Official info HERE