Dubai Islamic Bank
Prime Classic Card
The Prime Classic Card is a rewards credit card from Dubai Islamic Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Wala'a Rewards
Card highlights
- Earn 0.8 Wala'a Rewards per AED 1 on foreign spend, 0.5 on general retail
- Complimentary travel and medical cover up to USD 50,000 (cardholder, spouse and up to 4 children under 18)
- Roadside assistance twice a year, including 50% off an international driving licence
- No annual fee, Shariah-compliant Salam covered card
Earn rates
| Category | Rate |
|---|---|
| International spend | 0.4% |
| Travel | 0.25% |
| Retail | 0.25% |
| Dining & food | 0.25% |
| Online shopping | 0.25% |
| Supermarket | 0.1% |
| Fuel | 0.1% |
| Utilities | 0.1% |
| Education | 0.1% |
| Transport | 0.1% |
| Real estate | 0.1% |
Retail spend originating in European Union (EU) countries earns no Wala'a Rewards (0% back), against 0.8 Wala'a Rewards per AED 1 equivalent on other foreign currency spend. DIB names EU countries only, with no separate clause for the UK or the rest of the European Economic Area.
Benefits & perks
- •Complimentary travel and medical cover up to USD 50,000 when flights are booked on the card (cardholder, spouse and up to 4 children under 18)
- •Roadside assistance: up to 2 times per year, including 50% off an international driving licence
- •Card Protection Plus: set transaction types, financial limits and location restrictions on your card
- •Balance transfer facility from AED 100 up to AED 250,000
- •Free supplementary cards
- •No annual fee
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the Dubai Islamic Bank Prime Classic Card earn?
A no-annual-fee DIB Islamic Visa card earning 0.5 Wala'a Rewards per AED 1 (about 0.25% at Perkly's valuation) on most spending, 0.8 on foreign currency spending except in European Union countries, where retail spending earns nothing, and 0.2 on supermarkets, fuel, utility bills paid outside DIB's own platforms, education and transport.
What does the Dubai Islamic Bank Prime Classic Card cost?
No annual fee and no joining fee. Supplementary cards are free.
What does spending abroad cost on the Dubai Islamic Bank Prime Classic Card?
Spending abroad costs about 4.85% all in: DIB's 3.70% International Usage Fee on non-AED transactions plus 1.15% for Visa, which is Perkly's standard estimate because DIB does not itemise a scheme charge. A transaction abroad billed in AED carries DIB's 3.14% instead of 3.70%. Foreign currency spending earns 0.8 Wala'a Rewards per AED 1, but retail spending in European Union countries earns none.
What should I watch out for with the Dubai Islamic Bank Prime Classic Card?
The rewards are small: about 0.25% on most spending at Perkly's valuation, and 0.1% on supermarkets, fuel, utility bills paid outside DIB's own platforms, education and transport. Retail spending in European Union countries earns no Wala'a Rewards at all. Perkly records no airport lounge access or valet parking on this card, and DIB's page for this card shows no buyers' protection, extended warranty or Visa Luxury Hotel Collection, which some higher DIB Prime cards carry.
More from Dubai Islamic Bank
DIB Prime Gold Card
- Earn 1 Wala'a Reward per AED 1 on foreign currency spend, 0.6 on general retail
- Complimentary travel and medical cover up to USD 75,000 (cardholder, spouse and up to 4 children)
Updated October 2026