Dubai Islamic Bank (DIB) Prime Platinum Card is one of the most popular Sharia-compliant credit cards in the UAE. Designed for individuals who want a blend of rewarding loyalty programs, travel perks, and flexible financial services, this card has become a go-to option for many UAE residents.
In this review, we'll provide a comprehensive analysis of the DIB Prime Platinum Card - covering benefits, Wala’a rewards, travel and hotel perks, fees and charges, eligibility, and real user feedback as of December 2025. Whether you’re considering applying for your first credit card in the UAE or looking for a premium Sharia-compliant option, this guide will help you make an informed decision.
By the end of this article, you'll know:
- What makes the DIB Prime Platinum Card stand out
- How to maximize rewards and benefits
- Who should apply and who might consider alternatives
This review is fully updated for 2025, ensuring you get the latest information about Dubai Islamic Bank Prime Platinum Card features, fees, and perks.
Overview of Dubai Islamic Bank Prime Platinum Card
The Dubai Islamic Bank Prime Platinum Card is a Sharia-compliant credit card in UAE designed for individuals who want flexible financial solutions along with rewards, travel perks, and insurance benefits. Unlike conventional credit cards, the Prime Platinum Card operates under Islamic finance principles, which means there is no interest (riba) instead, the card follows a profit and fee structure aligned with Sharia law.
This card is ideal for UAE residents who:
- Are looking for best Islamic credit cards in UAE
- Want a no annual fee credit card that still offers premium benefits
- Prefer credit cards with travel insurance UAE
- Need balance transfer credit cards in UAE or flexible spending options
Key Highlights of the DIB Prime Platinum Card
- Sharia-Compliant Finance: Fully compliant with Islamic banking principles, ensuring interest-free transactions.
- Wala'a Rewards Program: Earn rewards points on eligible retail and foreign currency spends to redeem for shopping, flights, or bill payments.
- Travel & Hotel Perks: Includes coverage for medical emergencies, travel insurance, and benefits through the Visa Luxury Hotels program.
- Purchase Protection: Covers theft or accidental damage on purchases made using the card.
- Flexible Financial Facilities: Cash withdrawal up to 80% of the credit limit and balance transfer facility, making it a versatile UAE bank loan and credit card solution.
If you want a full list of top UAE credit cards, check our article on Best Islamic Credit Cards in UAE or learn more about Balance Transfer Credit Cards in UAE to compare benefits and fees.
This card is best suited for frequent travellers, retail shoppers, and lifestyle spenders, who want to maximize Wala’a rewards while enjoying premium benefits without an annual fee.
Key Features & Benefits of DIB Prime Platinum Card
The Dubai Islamic Bank Prime Platinum Card offers a wide range of benefits and features tailored for UAE residents seeking a premium Sharia-compliant credit card. Whether you are a frequent traveler, a retail shopper, or someone looking for flexible financial solutions, this card provides multiple advantages over standard credit cards.
Sharia-Compliant Credit Card Structure
The Prime Platinum Card follows Islamic finance principles, which means there is no interest (riba). Instead, cardholders are charged fees and profit-based charges in compliance with Sharia law. This makes it one of the best Islamic credit cards in UAE for ethical banking and financial discipline.
No Annual Fee Benefit
One of the major advantages of the DIB Prime Platinum Card is that it comes with no annual fee, making it a best no annual fee credit card in UAE. Cardholders can enjoy premium benefits without worrying about yearly charges, enhancing overall value.
Wala'a Rewards Program
Through the Wala’a rewards program, cardholders earn points on eligible retail spends. These points can be redeemed for:
- Shopping at popular stores in UAE
- Flights and hotel bookings
- Utility bill payments and online purchases
For more details on maximizing reward points, check our guide on Credit Cards with Travel Insurance UAE which also highlights Wala’a rewards benefits.
Travel & Medical Insurance Coverage
The card provides comprehensive travel insurance, covering medical emergencies, personal accident, baggage delay, and trip cancellation. This makes it a preferred choice for frequent travelers in UAE who want peace of mind while traveling abroad.
Visa Luxury Hotel Benefits
With the Visa Luxury Hotels program, cardholders can enjoy:
- Complimentary room upgrades
- Free breakfast and internet at partner hotels
- Late checkout and VIP guest status
- Food & beverage vouchers
These perks make it one of the top UAE travel credit cards for individuals who book hotels frequently.
Purchase Protection & Security
The card offers purchase protection, covering theft or accidental damage of items bought with the card. Additionally, optional Card Protection Plus allows setting transaction limits, location restrictions, and spending caps for enhanced security.
Flexible Financial Facilities
The DIB Prime Platinum Card supports:
- Cash withdrawal facility up to 80% of the credit limit
- Balance transfer facility, allowing consolidation of debts from other credit cards
This makes it a practical option for those exploring DIB bank loans review or looking for balance transfer credit cards in UAE.
Key Benefits of the Dubai Islamic Bank Prime Platinum Card
With the DIB Prime Platinum credit card in UAE, you can enjoy a wide range of lifestyle and travel privileges. From reward points on daily spending to exclusive hotel and travel deals, this card is designed for those who want both practical and premium benefits.
| Key Perks |
Description |
| Travel and Medical Coverage |
Coverage up to USD 100,000, including:
- Baggage Delay/Loss
- Loss of Personal Belongings
- Emergency Medical Expenses
- Personal Accident Benefit
- Cancelled/Delayed Departure
|
| Visa Luxury Hotels |
Enjoy exclusive hotel perks such as:
- Late Check-out
- Automatic Room Upgrades
- Complimentary USD 25 Food & Beverage Voucher
- Free Internet & Breakfast
- VIP Guest Status
|
| Purchase Protection |
Protects purchases against damage or theft with coverage up to USD 3,000 per occurrence |
| Roadside Assistance |
Complimentary services including:
- International Driving Licence
- Off-road Pull Out
- Lock Out Service
- Flat Tyre Fixing
- Battery Boost
- Fuel Assistance
- Towing
- Vehicle Servicing - Pick Up & Drop Off
- Complimentary Vehicle Registration
|
| Cash Withdrawals |
Access cash easily with withdrawals up to 80% of card limit. Conveniently transfer cash between your card and your DIB account |
| Balance Transfer Facility |
Transfer funds from another bank’s credit card:
- Use up to 100% of current cash limit or 80% of card limit
- Transfer amount from AED 100 to AED 250,000
|
| Credit Shield Takaful |
Optional coverage for:
- Death - AED 200,000 •
- Permanent Total Disability - AED 200,000
- Involuntary Loss of Employment - AED 30,000
|
| Card Protection Plus |
Optional security feature to set card preferences, including:
- Financial limits
- Location restrictions
- Transaction type controls and more
|
Rewards & Wala’a Points Explained (2025 Updated Rates)
The Dubai Islamic Bank Prime Platinum Card comes with an attractive Wala’a Rewards program designed to help cardholders earn points on eligible spending. Understanding how rewards are earned and redeemed is key to maximizing value from your DIB credit card.
How to Earn Wala'a Points
The 2025 earn rates for Wala’a points are structured as follows:
| Spending Type |
Wala’a Points Earned |
Notes |
| Eligible retail spends (UAE) |
2.0 points per AED 1 |
Includes shopping, dining, and online purchases |
| Foreign currency purchases |
2.2 points per AED 1 |
Earn rate slightly higher for non-AED spends |
| Essentials (groceries, fuel, telecom, utilities, government payments) |
0.2 points per AED 1 |
Reduced rate as per 2024 update |
| Cash advances, balance transfers, fees |
0 points |
Non-eligible transactions |
Tip: Focus your spending on retail, travel, and lifestyle purchases to maximize Wala’a rewards. Avoid using the card for essentials if your goal is to earn more points.
Redeeming Wala'a Rewards
Wala'a points can be redeemed for a variety of options:
| Redemption Option |
Approximate Conversion Rate (2025) |
Notes |
| Flights & Hotels |
20,000 points ≈ AED 100 |
Includes bookings with partner airlines and hotels |
| Retail & Online Shopping |
20,000 points ≈ AED 100 |
Redeem at select retail stores and online platforms |
| Bill Payments & Utilities |
20,000 points ≈ AED 100 |
Limited to eligible utility and bill payments |
| Airline Miles Conversion |
Varies by airline |
Convert points to frequent flyer miles (e.g., Qatar Airways Privilege Club Avios) |
2025 Updates - What Has Changed
- Reduced points on essentials: Categories like groceries, fuel, telecom, and utilities now earn only 0.2 points per AED, encouraging discretionary and travel spending.
- Foreign spends rewarded more: Purchases in non-AED currencies earn slightly more points (2.2 per AED), making it ideal for international travelers.
- Strategic redemption: Converting points to airline miles or using for travel bookings offers higher value per point than retail or bill payment redemptions.
Tips to Maximize Rewards
- Use your DIB Prime Platinum credit card for travel, online shopping, and lifestyle expenses.
- Avoid spending on groceries, fuel, telecom, and utilities if earning Wala’a points is your priority.
- Redeem points for flights, hotel stays, or airline miles to get the most value.
- Monitor your points through the DIB mobile app or online banking portal.
For more details on using this card effectively, check our Credit Cards with Travel Insurance UAE guide and Balance Transfer Credit Cards in UAE for 2025.
Fees and Charges (Latest 2025 Update)
Understanding the fees and charges of the Dubai Islamic Bank Prime Platinum Card is crucial before applying. While the card offers no annual fee and attractive rewards, some costs may apply depending on how you use it. This section provides a detailed breakdown for December 2025.
The table below summarizes the key fees and charges:
| Fee / Charge |
Amount / Rate (2025) |
Notes |
| Annual Fee |
AED 0 |
No annual fee for all cardholders, making it a best no annual fee credit card in UAE. |
| Late Payment Fee |
AED 150 (approx.) |
Applies if minimum payment is not made by due date. |
| Cash Withdrawal / Cash Advance |
2–3% of amount + AED 100 min |
Up to 80% of credit limit; foreign currency may include conversion fees. |
| Foreign Transaction Fee |
1–2% of transaction |
Applies on non-AED spends; Wala’a earn rate slightly higher (2.2 per AED). |
| Balance Transfer Fee |
1–3% of transferred amount |
Allows consolidation of debts from other cards; subject to limits and promotions. |
| Replacement Card Fee |
AED 50–100 |
Applies for lost or damaged cards. |
| Credit Shield Takaful (Optional) |
0.94% of outstanding balance |
Provides coverage for death, disability, or involuntary job loss. |
| Exceeding Credit Limit / Returned Payment |
AED 100–150 |
Fees applied if card usage exceeds approved limit or payment is returned. |
Tips:
- Using the card for retail, travel, and foreign currency spends maximizes Wala’a rewards without incurring extra fees.
- Avoid frequent cash withdrawals and late payments to preserve value.
- Consider optional Credit Shield Takaful only if you want additional protection.
Eligibility, Required Salary & Documentation
Before applying for the Dubai Islamic Bank Prime Platinum Card, it’s important to understand the eligibility criteria, minimum salary requirements, and required documents. This ensures a smooth application process and increases the chances of approval.
Eligibility Criteria
To be eligible for the DIB Prime Platinum Card, applicants must:
- Be a UAE resident with a valid Emirates ID
- Meet the minimum salary requirement as set by DIB
- Have a good credit history (for existing banking or credit facilities)
- Be aged 21 years or above
This makes the card suitable for individuals looking for Sharia-compliant credit cards in UAE with premium benefits and flexibility.
Minimum Salary Requirement
- The typical minimum salary required is AED 5,000 per month, although DIB may adjust this based on employment type and residency status.
- Salaried employees, business owners, and professionals meeting the income criteria can apply.
Required Documentation
To apply, you need to submit the following documents:
| Document |
Purpose |
| Emirates ID |
Proof of residency and identity |
| Passport Copy |
Identification and residency verification |
| Visa / Labour Card |
Employment verification for expats |
| Salary Certificate / Bank Statement |
Proof of income and eligibility |
| Utility Bill / Address Proof |
Confirmation of current residence |
Who Should Apply
The DIB Prime Platinum Card is ideal for:
- Individuals seeking balance transfer credit cards in UAE
- Frequent travellers who want credit cards with travel insurance UAE
- Lifestyle spenders who want to maximize Wala’a rewards
- Anyone looking for a no annual fee Islamic credit card
Tip: If you're exploring other financial solutions alongside this card, check our DIB Bank Personal Loans Review and UAE Salary-Based Personal Loan Guide to see how this card can complement your banking needs.
Pros & Cons of DIB Prime Platinum Card
Understanding the advantages and limitations of the Dubai Islamic Bank Prime Platinum Card helps you decide if it’s the right credit card for your needs in 2025.
Advantages
- Sharia-Compliant Structure: Operates under Islamic finance principles with no interest (riba), making it one of the best Islamic credit cards in UAE.
- No Annual Fee: Enjoy premium benefits without annual charges, ideal for those seeking no annual fee credit cards in UAE.
- Wala'a Rewards Program: Earn points on retail and foreign currency spends; redeem for flights, hotels, shopping, or bill payments.
- Travel & Hotel Benefits: Includes travel insurance, Visa Luxury Hotel perks, and baggage protection, making it one of the top credit cards with travel insurance UAE.
- Purchase Protection & Optional Add-Ons: Protects purchases and offers Credit Shield Takaful and Card Protection Plus.
- Flexible Financial Facilities: Cash withdrawal up to 80% of limit and balance transfer facility for debt consolidation.
Disadvantages / Limitations
- Reduced Rewards on Essentials: Wala’a points are limited for groceries, fuel, telecom, utilities, and government payments (0.2 per AED).
- Optional Add-On Costs: Credit Shield Takaful and Card Protection Plus incur additional charges.
- Cash Withdrawal Fees: Charges apply for cash advances, making frequent withdrawals costly.
- Minimum Salary Requirement: Not ideal for low-income applicants, typically requiring AED 5,000 per month.
Who Should Avoid This Card?
- Individuals who spend primarily on groceries, utilities, fuel, and essential bills may find limited rewards.
- Users seeking low-fee cash withdrawals or frequent cash advances.
- Those below the required salary threshold or with limited credit history.
Tip: For more options, compare with other Best Islamic Credit Cards in UAE to see if a card better suits your spending habits.
Comparison With Other Islamic Credit Cards in UAE (2025)
The Dubai Islamic Bank Prime Platinum Card offers strong benefits, but it’s important to compare it with other Sharia-compliant credit cards in UAE to ensure you get the best value. Here’s a detailed comparison of key features, rewards, and perks.
| Feature / Card |
DIB Prime Platinum Card |
ADCB Islamic Platinum |
Emirates Islamic Cashback Plus |
FAB Islamic Gold Card |
| Annual Fee |
AED 0 |
AED 299 |
AED 0 |
AED 250 |
| Sharia-Compliant |
YES |
YES |
YES |
YES |
| Wala’a / Rewards Points |
2.0 per AED 1 retail |
1.5 per AED 1 retail |
Cashback 1–2% |
1.25 per AED 1 retail |
| Travel Insurance |
Up to USD 100,000 |
USD 50,000 |
USD 75,000 |
USD 60,000 |
| Purchase Protection |
Up to USD 3,000 |
Up to USD 2,000 |
Up to USD 1,500 |
Up to USD 2,500 |
| Balance Transfer Facility |
YES |
YES |
YES |
YES |
| Cash Withdrawal Limit |
80% of credit limit |
75% of credit limit |
70% of credit limit |
80% of credit limit |
| Special Perks |
Visa Luxury Hotels, travel & medical insurance |
Airport lounge access, dining offers |
Cashback on utilities & retail |
Lifestyle and dining offers |
Key Takeaways from Comparison
- DIB Prime Platinum Card is best for frequent travelers and lifestyle spenders, with higher Wala’a rewards and Visa Luxury Hotel benefits.
- ADCB Islamic Platinum focuses on airport lounges and dining perks, but annual fees apply.
- Emirates Islamic Cashback Plus is ideal for everyday spending on utilities and retail but offers lower travel benefits.
- FAB Islamic Gold Card is a mid-tier option with moderate rewards and lifestyle offers.
Which Card Offers the Best Value?
- For maximizing travel perks, hotel benefits, and Wala’a rewards, the DIB Prime Platinum Card stands out.
- For everyday spending and cashback, Emirates Islamic Cashback Plus may offer more value.
- For premium lifestyle and airport access, ADCB Islamic Platinum is a good alternative.
Tip: To explore more options, read our Best Islamic Credit Cards in UAE guides for 2025.
Real Customer Reviews & User Feedback (2025)
Understanding real user experiences can help you decide if the Dubai Islamic Bank Prime Platinum Card is the right choice for you. In 2025, cardholders have shared their feedback on rewards, benefits, fees, and overall satisfaction.
Positive Feedback
- High Wala’a Rewards on Travel & Retail: Many users appreciate the 2.0 points per AED on eligible spends and the ability to redeem points for flights and hotels.
- No Annual Fee: Cardholders love the zero annual fee, especially compared to other UAE Islamic credit cards.
- Travel & Hotel Perks: Frequent travelers find the Visa Luxury Hotel benefits and comprehensive travel insurance very useful.
- Sharia-Compliant Structure: Customers value the interest-free, Sharia-compliant credit card model.
- Flexible Financial Facilities: Cash withdrawal up to 80% of the credit limit and balance transfer options are highlighted as major advantages.
Common Complaints
- Low Rewards on Essentials: Some users noted that Wala’a points on groceries, fuel, utilities, and telecom bills are minimal (0.2 per AED), which reduces overall rewards for everyday spending.
- Optional Add-On Fees: Charges for Credit Shield Takaful or Card Protection Plus can add up if opted-in.
- Cash Withdrawal Costs: Users relying on cash advances find the fees relatively high.
- Eligibility Requirements: The AED 5,000 minimum salary can exclude some applicants.
Service & Support Experience
- Most customers report efficient customer service and smooth online application process.
- Some feedback suggests minor delays in point redemption or card delivery, but these are not widespread.
- DIB's digital banking platform is appreciated for tracking Wala’a rewards and managing card limits easily.
Tip: To see how this card compares with other options, check our Best Islamic Credit Cards in UAE guides for more insights.
How to Apply for the DIB Prime Platinum Card
Applying for the Dubai Islamic Bank Prime Platinum Card in 2025 is a simple process, whether you choose to apply online or visit a branch. This section provides a step-by-step guide to ensure your application is smooth and approved quickly.
Online Application Process
- Visit the official DIB website and navigate to the Prime Platinum Card page.
- Click on "Apply Now" and fill in your personal details, including Emirates ID, passport, and contact information.
- Provide your salary and employment information.
- Upload required documents such as salary certificate, bank statement, and utility bill.
- Review all details and submit the application.
- You will receive an instant eligibility check, and DIB may contact you for further verification if needed.
Branch Application
- Visit the nearest Dubai Islamic Bank branch.
- Request the Prime Platinum Card application form.
- Submit all required documents, including Emirates ID, passport, visa, and salary proof.
- Bank staff will process your application and inform you about the approval timeline.
Approval Time & Verification
- Online applications are typically processed within 2–5 business days, depending on verification.
- Branch applications may take slightly longer due to manual processing.
- Approval depends on meeting minimum salary requirements, credit history, and residency criteria.
Tips for a Smooth Application
- Ensure all documents are up-to-date and accurate to avoid delays.
- Use the card for eligible retail and travel spending immediately after approval to start earning Wala’a rewards.
- Check other DIB products to maximize benefits, such as DIB Bank Personal Loans Review for financial planning.
Apply for your DIB Prime Platinum Card today and start earning Wala’a rewards while enjoying premium travel and lifestyle benefits.
DIB Prime Platinum Card - Contact & Customer Support
Reliable customer support is essential for managing your Dubai Islamic Bank Prime Platinum Card, resolving issues, and maximizing card benefits. DIB provides multiple ways for cardholders to get assistance in 2025.
DIB Customer Care
Phone: 600 544 444 (UAE) - Available 24/7 for card inquiries, disputes, or general assistance.
Email: customercare@dib.ae - For non-urgent queries or document submission.
WhatsApp: +971 4 609 2222 - Quick support for balance, rewards, and card-related questions.
Branch Support
- Visit any Dubai Islamic Bank branch for in-person assistance.
- Cardholders can get help with applications, Wala’a rewards redemption, balance transfers, and disputes.
Online & Mobile Support
- DIB Online Banking: Manage your Prime Platinum Card, track spending, pay bills, and monitor Wala'a rewards.
- DIB Mobile App: Check your balance, statement, rewards points, and enable card features securely.
- Live Chat Support: Available on the website and app for instant help.
Tips for Support Queries
- Always have your card number, Emirates ID, and transaction details ready for faster service.
- For reward-related issues, check your Wala’a account first via DIB online banking or app before contacting support.
- For urgent issues like lost or stolen cards, contact customer care immediately to block the card.
For more information on related services, you can also visit our guides on DIB Bank Personal Loans Review 2025
Final Verdict: Is DIB Prime Platinum Card Worth It in 2025?
The Dubai Islamic Bank Prime Platinum Card continues to be one of the most attractive DIB credit cards in 2025, offering a strong combination of Sharia-compliant benefits, travel perks, and Wala’a rewards. Whether you are a frequent traveler, lifestyle spender, or someone seeking a no annual fee Islamic credit card, this card is worth considering.
Key Takeaways
- Rewards & Benefits: The Wala’a rewards program, travel insurance, and Visa Luxury Hotel perks make this card ideal for maximizing lifestyle and travel benefits.
- Fees & Flexibility: With no annual fee, flexible balance transfer, and cash withdrawal facilities, it is suitable for those looking for a DIB credit card that combines rewards and utility.
- Eligibility & Ease of Use: With a minimum salary requirement of AED 5,000 and straightforward documentation, it is accessible to most UAE residents who meet the criteria.
- Customer Support: DIB provides excellent support via phone, WhatsApp, branches, and online platforms, ensuring smooth usage and assistance.
Comparison With Other Cards
When compared to other credit card Dubai Islamic Bank options, the Prime Platinum Card stands out in rewards on discretionary spending, travel perks, and premium lifestyle benefits. While essential spending like groceries and utilities earns fewer Wala’a points, the card remains competitive in value.
DIB Credit Card Offers (2025 Update)
- Keep an eye on DIB credit card offers as they often provide welcome bonuses, enhanced Wala'a points, or travel benefits.
- Check Dubai Islamic Bank credit card offers regularly online or at branches to maximize your rewards when applying.
Who Should Apply?
- Frequent travelers and online shoppers looking to maximize Wala’a rewards.
- Individuals seeking a Sharia-compliant, no annual fee credit card Dubai Islamic Bank.
- Those planning to use balance transfer or cash advance facilities strategically.
Final Recommendation:
The DIB Prime Platinum Card is a strong choice for 2025. Its rewards, travel benefits, and low fees make it an attractive option for UAE residents who want both practical and lifestyle advantages in one DIB credit card.
Apply now for your DIB Prime Platinum Card and start earning Wala'a rewards while enjoying premium travel, hotel, and lifestyle perks.