Prime Classic Card review
Spending earns 0.5 Wala'a Rewards per AED 1 domestically and 0.8 in foreign currency, with restricted categories at 0.2 and no earning on EU-originating retail spends. There is no annual fee at any point.
Practical features include balance transfers from AED 100 up to AED 250,000 processed within one to three business days, cash withdrawals up to 80% of the limit, roadside assistance twice a year and travel and medical cover up to USD 50,000.
Optional Credit Shield Takaful at 0.94% of the outstanding balance adds AED 200,000 of death and disability cover, and the covered-card model keeps the card interest-free with a fixed profit rate of up to 3.69% per month.
Card details
| Bank | DIB |
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| Card type | Rewards |
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| Card network | Visa |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life - no annual fee |
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| Interest (monthly) | 3.69% |
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| Reward type | Wala'a Rewards |
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| Reward rate | Earn 0.5 Wala'a Rewards per AED 1 on domestic retail spends and 0.8 per AED 1 on foreign-currency spendsSupermarkets, telecom, education, petroleum, government services, takaful, car dealers, transport and real estate earn 0.2 Wala'a per AED 1. EU-originating retail spends and utility bills via DIB channels, foreign-currency purchases, money orders, cryptocurrency, prepaid cards, wire transfers and charity earn no rewards Redeem via the DIB Wala'a programme: 20,000 Wala'a = AED 100 against flights and hotels, or AED 80 as cashback; points can also convert to partner airline miles |
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| Lounge access | Not included |
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| Quick cash | Draw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT) |
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| Balance transfer | Transfer from AED 100 up to AED 250,000, processed within 1 to 3 business days |
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| Instalment plan | Extended payment plans available on retail purchases on DIB's standard terms |
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Prime Classic Card benefits
✓Free for life with no annual fee
✓Wala'a Rewards on every retail spend
✓Travel and medical cover up to USD 50,000
✓Roadside assistance twice a year
✓Card Protection Plus security controls
Offers and payment options
Quick cashDraw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT)
Balance transferTransfer from AED 100 up to AED 250,000, processed within 1 to 3 business days
Instalment planExtended payment plans available on retail purchases on DIB's standard terms
Prime Classic Card fees & charges
| Annual percentage rate (APR) | Up to 44.28% (3.69% monthly profit rate) |
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| Cash advance fee | AED 94.50 per transaction (incl. VAT) |
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| Late payment fee | No interest-based late fee; a late payment triggers an undertaking to donate AED 236.25 (incl. VAT) to charity |
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| Foreign currency fee | 3.70% of transaction value on non-AED transactions; 3.14% on AED-billed international transactions (incl. VAT) |
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| Card replacement fee | AED 52.50 per request (incl. VAT) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits first-time cardholders who want a simple, permanently free Sharia-compliant card with essential protections.
What works well
- ✓No fee at the most accessible tier
- ✓Quick, documentation-free balance transfers
- ✓Basic travel cover and roadside assistance included
What to weigh up
- −Lowest earn rate in the Prime family
- −No lounge access or premium extras
- −EU retail spends earn no rewards
Prime Classic Card eligibility
Minimum salary of AED 5,000 per month per third-party sources; UAE resident with valid Emirates ID
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Prime Classic Card FAQs
Minimum salary of AED 5,000 per month per third-party sources; UAE resident with valid Emirates ID
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn 0.5 Wala'a Rewards per AED 1 on domestic retail spends and 0.8 per AED 1 on foreign-currency spends
This card suits first-time cardholders who want a simple, permanently free Sharia-compliant card with essential protections.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
