The DIB Prime Signature Card is your ultimate travel partner, designed to provide exceptional benefits for both business and leisure travelers. With a host of privileges and rewards, this card ensures that every journey is a memorable one.
Key Features and Benefits
Wala’a Rewards
The Prime Signature Card offers immediate access to the DIB loyalty program – Wala’a Rewards. Start earning and saving from day one with the following rewards structure:
- Earn 2.5 Wala’a Rewards for every AED 1 spent on retail purchases.
- Earn 3.0 Wala’a Rewards 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.
Warning: Purchases in EU countries won’t earn Wala’a Rewards. Starting January 1, 2024, you’ll get 0.2 Wala’a Rewards for every AED 1 you spend on groceries, phone bills, school fees, gas, and government services (including utilities). And you won’t receive reward points when you paying for utility and government bills through DIB.
Lifestyle Benefits
Enjoy a variety of privileges that cater to your sophisticated lifestyle:
- Free Valet Parking: Available at various locations for added convenience.
- Roadside Assistance: Comprehensive services to ensure peace of mind while driving.
- Entertainment and Fine Dining: Access to exclusive events, privileges at fine dining establishments, and retail outlets worldwide.
Travel in Style
Enhance every journey with a suite of travel-related benefits:
- Lounge Access: Complimentary access to airport lounges around the world.
- Personal Concierge: Night and day help for all your travel and lifestyle needs.
- Multi-Trip Travel Insurance: Coverage to ensure your travels are worry-free.
- VISA Signature Privileges: Exclusive benefits at luxury hotels and a dedicated VISA Signature website.
Shopping and Protection Benefits
Celebrate stress-free shopping with added protection and convenience:
- Extended Warranty: Additional warranty on purchases made with your Prime Signature Card.
- Purchase Protection: Protects your stuff from theft or damage when you buy with the card.
Roadside Assistance
DIB cardholders automatically receive free roadside assistance services, ensuring help is always available:
- 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 0.94% of the card outstanding, Credit Shield Takaful covers unfortunate events like death, total disability, or loss of employment:
- Job Loss: You will receive up to AED 30,000.
- Permanent Total Disability: Coverage up to AED 200,000.
- Death: Coverage up to AED 200,000.
Card Protection Plus
Is a handy feature lets you set security options on your card, deciding what types of transactions it can be used for, along with spending limits and location restrictions.
Balance Transfer Facility
Easily handle your money with the balance transfer feature available online, on mobile banking, and at Banking Express Terminals:
- Use Up to 80% of Your Card Limit: Or 100% of the cash limit available.
- Multiple Transfers: Do as many balance transfers as you need.
- No Paperwork: Just transfer to other bank credit cards in 1 to 3 business days.
- Unrestricted Amounts: You can transfer between AED 100 and AED 250,000
Important to Note
- Monthly Spending Requirement: To keep the free offers, you need to spend at least AED 5,000 a month. If you don’t, you’ll be charged a fee for the services next month.
- Personal Use Only: This card is for personal use. The bank might restrict, cancel, or not give Wala’a Rewards for business, fake, or illegal transactions.
Pros and Cons of the DIB Prime Signature Card
Pros:
- Awesome Wala’a Rewards: Earn 2.5 Wala’a Rewards for every AED 1 spent on shopping and 3.0 Wala’a Rewards per AED spent in foreign currency.
- Lots of Redemption Options: Use rewards for flights, hotels, shopping, and paying bills.
- Free Valet Parking: Available at various places for extra convenience.
- Full Roadside Assistance: Includes unlimited help, towing, vehicle service, and more.
- Airport Lounge Use: Get free use of airport lounges worldwide.
- Personal Concierge Services: 24/7 help with travel and lifestyle needs.
- Multi-Trip Travel Insurance: Travel worry-free with extensive coverage.
- Extra Warranty and Purchase Protection: More security for things bought with the card.
- Balance Transfer: Easy transfers with high limits and no paperwork needed.
- Credit Shield Takaful: Protects you from things like death, disability, or job loss.
Cons:
- Monthly Spending Requirement: You need to spend at least AED 5,000 each month to keep the free perks.
- Low Rewards on Some Categories: Earn 0.2 Wala’a Rewards for every AED 1 spent on groceries, phone bills, school stuff, fuel, and government services.
- No Rewards in the EU: Purchases made in EU countries don’t earn Wala’a Rewards.
- Takaful Credit Shield Fee: It’s not free but you will be charge 0.94% of your card’s outstanding balance.
- Personal Use Only: Using the card for business or work might get it restricted or canceled.
Comparison of DIB Prime Signature Card with Similar Rival Cards in the UAE
| Feature/Benefit | Prime Signature Card | Emirates NBD Skywards Signature Card | ADCB TouchPoints Platinum Card | FAB Platinum Credit Card |
|---|---|---|---|---|
| Annual Fee | AED 750 (waived on high spend) | AED 1,500 (waived on high spend) | AED 1,050 (waived on high spend) | AED 1,500 (waived on high spend) |
| Welcome Bonus | Up to 20,000 Wala’a Rewards | 50,000 Skywards Miles | 50,000 TouchPoints | 50,000 FAB Rewards |
| Rewards Rate on Local Spend | 2.5 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 | 3.0 Wala’a Rewards/AED equivalent | 2 Skywards Miles/USD 1 | 3.75 TouchPoints/AED 1 | 2 FAB Rewards/USD 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 | 6 visits/year | 8 visits/year |
| 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 |
| Credit Shield Takaful | Yes (0.94% of card outstanding) | Yes | Yes | Yes |
Summary
The DIB Prime Signature Card has an awesome rewards program, especially for local and foreign spending. Compared to other cards like the Emirates NBD Skywards Signature Card, ADCB TouchPoints Platinum Card, and FAB Platinum Credit Card, it offers better rewards for general spending. However, it gives lower rewards for specific things like groceries, phone bills, and government services. The card comes with cool perks like unlimited airport lounge access, full roadside assistance, and multi-trip travel insurance, matching well with its competitors. Even though it has a higher annual fee, you can waive it with high spending. The great perks and high rewards make the Prime Signature Card a top choice for anyone looking for a rewarding credit card.
Conclusion
The DIB Prime Signature Card is great for anyone who wants luxury, convenience, and lots of rewards. It has a generous Wala’a Rewards program, awesome lifestyle and travel benefits, and strong protection features, giving you a top-notch banking experience. Whether you travel a lot or love enjoying the finer things in life, the Prime Signature Card is a reliable and rewarding choice for all your money needs.
Official info HERE