Celebrate a more rewarding banking experience with the DIB Prime Gold Card. Packed with benefits and features tailored to complement your lifestyle, this card ensures you get the most out of every transaction.
Key Features and Benefits
Wala’a Rewards
With the DIB Prime Gold Card, you can start earning Wala’a Rewards immediately. Start earning and saving as soon as you use your card:
- Earn 0.6 Wala’a Rewards for every AED 1 spent on retail purchases.
- Earn 1 Wala’a Reward for every AED equivalent spent in foreign currency on retail purchases.
- Redemption Options: Redeem Wala’a Rewards for flight tickets, hotel stays, retail purchases, bill payments, and more.
Heads up: You won’t earn Wala’a Rewards for purchases made in EU countries. From January 1, 2024, retail credit card spends on supermarkets, telecom, education, petroleum, and government services (including utility bill payments) will earn 0.2 Wala’a Rewards for every AED 1 spent. Keep in mind: You won’t earn rewards on utility and government bill payments made through DIB.
Travel and Personal Accident Insurance
Enjoy comprehensive coverage for you and your family when traveling with your Prime Gold Card:
- Personal Accident Benefits: Get up to $75,000.
- Emergency Medical Expenses: Coverage up to $75,000.
- Emergency Dental Coverage: Up to $250.
- Missed Departure/Cancellation: Up to $750.
- Trip Delay: Get up to $750 for delays over 4 hours.
- Baggage Delay: Up to $750 for delays over 4 hours.
- Baggage Loss: Up to $1,500.
- Loss of Money: Up to $250.
- Personal Liability: Up to $40,000.
Cash Flexibility
The Prime Gold Card offers 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: Quickly move money from your card to your Dubai Islamic Bank account.
Roadside Assistance
DIB cardholders enjoy comprehensive roadside assistance services at no additional cost:
- Unlimited Roadside Assistance: Available whenever you need it.
- Towing and Car Service: Includes pick-up and drop-off for your car.
- Battery Boost and Flat Tyre Fixing: Assistance to keep you on the move.
- Lock-Out Service and Fuel Assistance: Help when you need it most.
- Off-Road Pull-Out and International Driving License: 75% discount on the International Driving License.
Credit Shield Takaful
Protect your money with Credit Shield Takaful for a fee of 0.94% of your card balance:
- Job Loss Protection: Get coverage 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.
Balance Transfer Facility
Handle your money easily with the balance transfer option using online or mobile banking and Banking Express Terminals:
- Use Up to 80% of Your Card Limit: Or 100% of the available cash limit.
- Multiple Transfers: Do multiple balance transfers without any paperwork.
- Fast Transfer: Finished between 1 to 3 working days.
- Flexible Amounts: Transfer as little as AED 100, up to a max of AED 250,000.
Pros and Cons of the DIB Prime Gold Card
Pros:
- Generous Wala’a Rewards: Earn 0.6 Wala’a Rewards per AED 1 on retail spends and 1 Wala’a Reward per AED equivalent on foreign currency spends.
- Extensive Redemption Options: Redeem rewards for flights, hotels, retail purchases, and bill payments.
- Comprehensive Travel Insurance: Personal accident benefits up to USD 75,000 and extensive coverage for medical expenses, trip delays, and baggage loss.
- High Cash Withdrawal Limits: Access up to 80% of the total card limit.
- Unlimited Roadside Assistance: Includes towing, vehicle servicing, battery boost, and more.
- Credit Shield Takaful: Protects you if you die, get disabled, or lose your job.
- Card Protection Plus: Choose your security settings, spending limits, and where your card can be used.
- Balance Transfer Facility: Easy transfers with high limits and no documentation required.
Cons:
- Low Rewards for Certain Categories: Earn 0.2 Wala’a Rewards per AED 1 on groceries, telecom, education, fuel, and government services.
- No Rewards for EU Spending: Purchases made in EU countries don’t earn Wala’a Rewards.
- Credit Shield Takaful Fee: 0.94% of your card’s outstanding balance annually.
- Minimum Monthly Spend: Spend AED 5,000 each month to keep free offers.
- Personal Use Only: Using it for business or work might get it restricted or canceled.
Comparison of DIB Prime Gold Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB Prime Gold Card | Emirates NBD Go4it Gold Card | ADCB TouchPoints Gold Card | FAB Standard Gold Card |
|---|---|---|---|---|
| Annual Fee | AED 300 (waived on high spend) | AED 200 (waived on high spend) | AED 250 (waived on high spend) | AED 200 (waived on high spend) |
| Welcome Bonus | Up to 10,000 Wala’a Rewards | 5,000 Go4it Points | 5,000 TouchPoints | 5,000 FAB Rewards |
| Rewards Rate on Local Spend | 0.6 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 Wala’a Reward/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 75,000 | No | 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 Gold Card offers a balanced mix of rewards and benefits, making it a strong contender in the UAE credit card market. It provides a robust rewards program through Wala’a Rewards, though at a lower rate compared to some rivals. This card is great because it has excellent travel insurance, high cash withdrawal limits, and lots of roadside help. Other cards like the Emirates NBD Go4it Gold Card and ADCB TouchPoints Gold Card don’t have all these features.. However, the DIB Prime Gold Card has a lower rewards rate for specific categories such as supermarkets and government services, which could be a drawback for some users. Despite this, the card’s broad range of benefits, including purchase protection and the flexibility of the balance transfer facility, make it a well-rounded choice for those seeking both value and security in their financial transactions.
Conclusion
The DIB Prime Gold Card offers a comprehensive suite of benefits designed to enhance your lifestyle. With exclusive travel perks, extensive rewards, robust purchase protection, and comprehensive insurance coverage, 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 Gold Card provides the services and security you need to enjoy a stress-free and rewarding experience.
Official info HERE