Dubai Islamic Bank
Prime Platinum Card
The Prime Platinum 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 2 Wala'a Rewards per AED 1 on retail spend, 2.2 on foreign currency spend
- Complimentary travel and medical cover up to USD 100,000 for cardholder, spouse and up to 4 children
- Roadside assistance up to 2 times a year and 365-day buyers' protection on new purchases
- Visa Luxury Hotel Collection: preferential rates, room upgrades and late check-out
Earn rates
| Category | Rate |
|---|---|
| International spend | 1.1% |
| Travel | 1% |
| Retail | 1% |
| Dining & food | 1% |
| Online shopping | 1% |
| 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 2.2 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 100,000 (cardholder, spouse and up to 4 children under 18) when flights are booked on the card
- •Buyers' protection against theft or damage for 365 days on purchases paid in full on the card
- •Visa Luxury Hotel Collection: preferential rates, room upgrades and late check-out
- •Roadside assistance: up to 2 times per year
- •Balance transfer facility from AED 100 up to AED 250,000
- •Supplementary cards at no cost
- •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 Platinum Card earn?
A no-annual-fee DIB Islamic Visa Platinum card earning 2 Wala'a Rewards per AED 1 (about 1% at Perkly's valuation) on most spending, 2.2 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 Platinum Card cost?
No annual fee and no joining fee. Supplementary cards are free.
What does spending abroad cost on the Dubai Islamic Bank Prime Platinum 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 2.2 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 Platinum Card?
Supermarkets, fuel, telecom, education and transport earn only 0.2 Wala'a Rewards per AED 1, as do utility bills paid outside DIB's own platforms; bills paid through DIB's platforms earn nothing. Retail spending in European Union countries earns no Wala'a Rewards at all. This card has no airport lounge access or valet parking.
More from Dubai Islamic Bank
DIB Prime Classic Card
- 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)
Updated October 2026