For the global traveler and lifestyle connoisseur, the DIB Prime Infinite Card offers a blend of luxury, convenience, and extensive rewards. Designed to make banking decisions stress-free and reliable, this card provides a premium experience through a multitude of benefits and privileges.
Key Features and Benefits
Wala’a Rewards
The DIB Prime Infinite Card gives you immediate access to the DIB loyalty program – Wala’a Rewards. Start saving from day one with this robust rewards system:
- Get 3.0 Wala’a Rewards for every AED 1 you spend on shopping.
- Earn 3.5 Wala’a Rewards for every AED you spend on shopping in foreign currency.
- Use Your Rewards: Trade your Wala’a Rewards for flight tickets, hotel stays, shopping, bill payments, and more.
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 earn 0.2 Wala’a Rewards for every AED 1 spent. You won’t earn rewards for paying utility and government bills through DIB platforms.
Lifestyle Benefits
Enjoy an array of privileges that cater to your sophisticated lifestyle:
- Free Valet Parking: Available at various locations for your convenience.
- Roadside Assistance: Comprehensive services to ensure peace of mind while driving.
- Entertainment and Fine Dining: Access exclusive events and receive privileges at fine dining establishments and retail outlets worldwide.
Travel in Style
Make every trip better with awesome travel perks:
- Lounge Access: Free entry to airport lounges worldwide.
- Personal Concierge: 24/7 help with travel and lifestyle stuff.
- Travel Insurance: Coverage for stress-free journeys.
- VISA Infinite Perks: Special benefits at fancy hotels and a dedicated VISA Infinite site.
Shopping and Protection Benefits
Enjoy worry-free shopping with extra protection and convenience:
- Extended Warranty: Get extra warranty on stuff you buy with your Prime Infinite Card.
- Purchase Protection: Items you buy with the card are covered against theft or damage.
Roadside Assistance
DIB cardholders get free roadside help, so you’re always covered.
- Unlimited Roadside Assistance
- Towing and Vehicle Servicing
- Battery Boost and Flat Tyre Fixing
- Lock-Out Service and Fuel Assistance
- Off-Road Pull-Out and Inter-Emirate Towing
- Free International Driving License
Credit Shield Takaful
For a fee of just 0.94% of your card balance, Credit Shield Takaful protects you in tough times like death, total disability, or job loss:
- Lose your Job: Receive maximum of AED 30,000 if that happens.
- Total Disability: Get up to AED 200,000 if you become permanently disabled.
- Death: Get up to AED 200,000 for your family if you pass away.
Balance Transfer Facility
Easily handle your money with the balance transfer option available online, on mobile banking, and at Banking Express Terminals:
- Transfer Up to 80% of Your Card Limit: Or 100% of the available cash limit.
- Multiple Transfers: Move balances as many times as you need.
- No Paperwork Needed: Quick transfers to other bank credit cards, done in 1 to 3 business days.
- Flexible Amounts: Transfer as little as AED 100, up to AED 250,000.
Cash Withdrawals
Get cash easily with high withdrawal limits:
- Up to 80% of Your Total Card Limit: Gives you flexibility and convenience.
- Cash Transfer: Move money between your card and Dubai Islamic Bank account
Important Info:
- Minimum Monthly Spend: You need to spend at least AED 8,000 a month to keep the free offers. If you don’t, the bank will charge you next month.
- Personal Use Only: This card is for personal stuff only. The bank might restrict, cancel, or not give Wala’a Rewards for business, fake, or illegal purchases.
Pros and Cons of the DIB Prime Infinite Card
Pros:
- Generous Wala’a Rewards: Earn 3.0 Wala’a Rewards per AED 1 and 3.5 Wala’a Rewards per AED equivalent in foreign currency on retail spends.
- Extensive Redemption Options: Redeem rewards for flights, hotels, retail purchases, and bill payments.
- Free Valet Parking: Available at various locations for added convenience.
- Comprehensive Roadside Assistance: Includes towing, battery boost, flat tire fixing, and more.
- Airport Lounge Access: Get free entry to airport lounges around the world.
- Personalized Concierge Services: 24/7 assistance for travel and lifestyle needs.
- Multi-Trip Travel Insurance: Ensures worry-free travel with extensive coverage.
- Extended Warranty and Purchase Protection: Additional security for purchases made with the card.
- Balance Transfer: Easily move your balance with high limits and no paperwork needed.
- High Cash Withdrawal Limits: Up to 80% of the total card limit.
Cons:
- Minimum Monthly Spend Requirement: Must spend AED 8,000 monthly to maintain complimentary offers.
- Low Reward Rate on Specific Categories: 0.2 Wala’a Rewards for AED 1 spent on supermarkets, telecom, education, petroleum, and government services.
- No Reward points in the EU: Shopping in EU countries does not earn you Wala’a Rewards.
- Annual Fee for Credit Shield Takaful: 0.94% of the card outstanding balance.
- Just for Personal Use: If you use your card for business, your card might get restricted or cancelled.
Comparison of DIB Prime Infinite Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB Prime Infinite Card | Emirates NBD Skywards Infinite Card | ADCB TouchPoints Infinite Card | FAB Infinite Credit Card |
|---|---|---|---|---|
| Annual Fee | AED 3,000 (waived on high spend) | AED 2,500 (waived on high spend) | AED 2,625 (waived on high spend) | AED 3,000 (waived on high spend) |
| Welcome Bonus | Up to 50,000 Wala’a Rewards | 50,000 Skywards Miles | 200,000 TouchPoints | 150,000 FAB Rewards |
| Rewards Rate on Local Spend | 3.0 Wala’a Rewards/AED 1 | 1.5 Skywards Miles/USD 1 | 1 TouchPoint/AED 1 | 1 FAB Reward/AED 1 |
| Rewards Rate on Foreign Spend | 3.5 Wala’a Rewards/AED equivalent | 2 Skywards Miles/USD 1 | 3.75 TouchPoints/AED 1 | 2 FAB Rewards/AED 1 |
| Rewards Rate on Specific Categories | 0.2 Wala’a Rewards/AED 1 | 1 Skywards Mile/USD 1 | 1 TouchPoint/AED 1 | 1 FAB Reward/AED 1 |
| Airport Lounge Access | Unlimited access worldwide | Unlimited access worldwide | 10 visits/year | Unlimited access worldwide |
| Valet Parking | Free valet parking | 4 times/month | 2 times/month | 4 times/month |
| Roadside Assistance | Comprehensive services included | Included | Included | Included |
| Travel Insurance | Multi-trip travel insurance | Comprehensive travel insurance | Up to USD 500,000 | Up to USD 500,000 |
| Concierge Services | 24/7 personalized services | 24/7 personalized services | 24/7 personalized services | 24/7 personalized services |
| Purchase Protection | Yes | Yes | Yes | Yes |
| Extended Warranty | Yes | Yes | Yes | Yes |
| Balance Transfer Facility | Yes | Yes | Yes | Yes |
| Cash Withdrawal Limit | Up to 80% of card limit | Up to 80% of card limit | Up to 80% of card limit | Up to 80% of card limit |
How does it compare?
The DIB Prime Infinite Card gives you awesome rewards, especially high Wala’a Rewards for both local and foreign purchases. It beats other cards like the Emirates NBD Skywards Infinite Card, ADCB TouchPoints Infinite Card, and FAB Infinite Credit Card when it comes to general spending rewards. But, it has lower rewards for things like groceries, phone bills, and government services. This card also comes with cool perks like unlimited airport lounge access, great roadside assistance, and travel insurance, just like its competitors. Even though the annual fee is high, it can be waived if you spend a lot. With all these benefits and higher general rewards, the DIB Prime Infinite Card is a great choice for anyone looking for a top-notch and rewarding credit card.
Conclusion
The DIB Prime Infinite Card is awesome if you want luxury, convenience, and tons of rewards. It has a great Wala’a Rewards program, lots of lifestyle and travel perks, and strong protection features, making your banking experience top-notch. Whether you travel a lot or enjoy the finer things in life, the DIB Prime Infinite Card is a reliable and rewarding choice for all your money needs.