Dubai Islamic Bank (DIB) offers a Shariah-compliant credit card designed to align with Islamic banking principles.
The Al Islami Credit Card provides financial flexibility while adhering to ethical banking standards.
This guide covers its features, eligibility, application process, fees, and tips for responsible usage.
Types of Dubai Islamic Bank Al Islami Credit Cards and Their Benefits
Dubai Islamic Bank (DIB) offers a variety of Al Islami Credit Cards, each tailored to meet specific financial needs while adhering to Shariah principles.
Below is an overview of select cards, highlighting their key features and benefits:
Al Islami Gold Premium Covered Card
- Wala’a Rewards: Earn 0.8 points per AED 1 on local purchases and 1.2 points on foreign spending. Redeem for travel, shopping, and bills.
- Roadside Assistance: Access services like towing, battery boost, flat tire fixing, and fuel assistance.
- Travel Coverage: Travel & Medical Coverage: Get up to USD 100,000 when booking flights. It covers the cardholder, spouse, and four children under 18.
Al Islami Platinum Charge Card
- Global Acceptance: Use the card worldwide with a 100% cash withdrawal limit.
- Purchase Protection: Covers theft or damage up to USD 3,000 per claim for 60 days.
- Roadside Assistance: Complimentary services, including towing, battery boost, flat tire fixing, and more.
Prime Platinum Card
- Wala’a Rewards: Earn 2.0 points per AED 1 on local purchases and 2.2 points on foreign spending.
- Visa Luxury Hotels: Get the best rates, room upgrades, and late check-out at luxury hotels worldwide.
- Travel Coverage: Up to USD 100,000 for cardholders and family when booking flights.
Emirates Skywards DIB Infinite Covered Card
- Skywards Miles: Earn up to 120,000 bonus Skywards Miles and enjoy a complimentary Emirates Skywards Silver membership.
- Airport Lounge Access: Unlimited access to over 1,000 airport lounges worldwide.
- Travel Benefits: Complimentary airport transfers and travel insurance coverage.
Eligibility Requirements
Applicants must meet specific financial and personal criteria to apply for the Al Islami Credit Card.
These requirements ensure financial stability and responsible usage.
- Minimum Salary Requirement – DIB sets a minimum monthly income threshold based on the card type.
- Employment and Income Stability – Applicants must be employed or have a stable income source.
- Residency and Nationality – UAE nationals and residents can apply for the position with the necessary identification.
- Creditworthiness – A good credit score improves approval chances and may impact the assigned credit limit.
Required Documents
Submitting the correct documents ensures a smooth application process.
The bank verifies identity, income, and financial stability before approving the card.
- Valid Emirates ID – Required for UAE residents to verify identity.
- Passport Copy – Mandatory for non-residents applying for the card.
- Salary Certificate – Confirms employment status and monthly income.
- Bank Statements – Typically, the last three to six months of transactions are used to assess financial health.
- Additional Documents – The bank may request extra paperwork for verification.
How to Apply for the Al Islami Credit Card
DIB offers multiple ways to apply for the Al Islami Credit Card. Each method ensures convenience and ease of access for applicants.
- Online Application – Visit the official DIB website, complete the required details, and upload documents.
- In-Branch Application – Visit a nearby Dubai Islamic Bank branch and apply in person.
- Phone Inquiry – Call DIB’s customer service to initiate the process and get guidance on the required steps.
Approval Process and Card Activation
Once the application is submitted, the bank reviews eligibility and documents. Upon approval, the card must be activated before use.
- Processing Time – Applications are typically reviewed within a few working days.
- Verification Steps – The bank may contact the applicant for additional information or confirmation.
- Approval Notification – Applicants receive an SMS or email upon successful approval.
- Card Activation – Activate the card through online banking, the mobile app, or customer service.
Interest Rates and Fees
Dubai Islamic Bank (DIB) offers a Shariah-compliant credit card with structured fees and profit rates.
Knowing these charges helps in better financial planning.
- Annual Fee: AED 195 for Classic, AED 600 for Platinum
- Monthly Profit Rate: Up to 3.25% on outstanding balance
- Cash Withdrawal Fee: AED 94.50 per AED 3,000 withdrawn
- Late Payment Fee: AED 225, donated to charity
- Card Replacement Fee: AED 52.50 for lost or damaged cards
- International Usage Fee: 2.26% on non-AED transactions
- Credit Shield Takaful Fee: 0.94% of balance, covers up to AED 200,000
Tips for Managing Your Al Islami Credit Card Responsibly
Proper usage ensures financial security and maximizes card benefits. Responsible management helps avoid unnecessary fees and penalties.
- Pay on Time – Avoid late payment penalties by setting reminders or using auto-pay options.
- Track Spending – Monitor transactions to stay within budget and prevent unnecessary debt.
- Maximize Rewards – Use cashback and loyalty points for travel, shopping, or bill payments.
- Understand Terms – Read the agreement carefully to avoid hidden fees or conditions.
- Use for Necessities – Limit spending to essential purchases rather than unnecessary luxury items.
Security Features and Fraud Protection
DIB ensures secure transactions with advanced protection features. These measures safeguard cardholders from fraud and unauthorized access.
- Chip & PIN Security – Reduces the risk of counterfeit fraud.
- 3D Secure Authentication – Adds an extra verification step for online transactions.
- Instant Transaction Alerts – Notifies users of every purchase or withdrawal.
- Card Blocking & Replacement – Easily block a lost card and request a new one.
Balance Transfer and Installment Plans
The Al Islami Credit Card offers balance transfer and installment options. These features provide flexibility in managing payments.
- Balance Transfer Option – Transfer outstanding balances from other banks at competitive rates.
- Easy Payment Plans – Convert large purchases into monthly installments.
- Profit-Free Period – Enjoy a limited profit-free period on certain transactions.
- Flexible Tenure Options – Choose repayment terms based on financial convenience.
Contact Information
Dubai Islamic Bank (DIB) offers multiple channels for customer support and inquiries:
Customer Service Hotline:
- Within UAE: 04 609 2222
- International: +971 4 609 2222
Email:
Head Office Address:
- Dubai Islamic Bank (PJSC), Al Maktoum Road, Deira, P.O. Box 1080, Dubai, UAE
WhatsApp Banking:
- Add +971 4 609 2222 to your contacts and send “Hi” from your registered mobile number.
To Sum Up
The Dubai Islamic Bank Al Islami Credit Card offers Shariah-compliant financial flexibility with valuable benefits.
Meeting the eligibility criteria and submitting the required documents ensures a smooth application process.
Visit the DIB website or contact customer service to apply today.
Disclaimer
The information provided is for general guidance and may be subject to change by Dubai Islamic Bank.
Refer to the official DIB website or contact customer service for the latest terms and conditions.