Prime Gold Card review
Retail spending earns 0.6 Wala'a Rewards per AED 1 domestically and 1 per AED 1 in foreign currency, with restricted categories at 0.2. The card is free for life.
Its protections are the selling point: travel cover up to USD 75,000, Card Protection Plus security preferences that let you restrict transaction types and locations, and Credit Shield Takaful at 0.94% of the outstanding covering AED 200,000 for death or disability and AED 30,000 for involuntary job loss.
Cash withdrawals reach 80% of the limit and balance transfers up to AED 250,000, all under the interest-free covered-card model 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 0.6 Wala'a Rewards per AED 1 on domestic retail spends and 1 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. No rewards on utility bills via DIB channels, foreign-currency purchases, money orders, cryptocurrency, prepaid cards, wire transfers or charity 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 | Balance transfer of up to AED 250,000 available |
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| Instalment plan | Extended payment plans available on retail purchases on DIB's standard terms |
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Prime Gold Card benefits
✓Free for life with no annual fee
✓Wala'a Rewards on every retail spend
✓Travel cover up to USD 75,000
✓Card Protection Plus security controls
✓Credit Shield Takaful up to AED 200,000
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 transferBalance transfer of up to AED 250,000 available
Instalment planExtended payment plans available on retail purchases on DIB's standard terms
Prime Gold 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 value-focused earners who mainly want a free Sharia-compliant card with protection features rather than high rewards.
What works well
- ✓Permanently free with takaful protections
- ✓Balance transfers up to AED 250,000
- ✓Security controls via Card Protection Plus
What to weigh up
- −Modest 0.6 base earn rate
- −No lounge access or travel extras
- −No welcome bonus
Prime Gold Card eligibility
Minimum salary of AED 5,000 per month; UAE resident with valid Emirates ID
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Prime Gold Card FAQs
Minimum salary of AED 5,000 per month; 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 0.6 Wala'a Rewards per AED 1 on domestic retail spends and 1 per AED 1 on foreign-currency spends
This card suits value-focused earners who mainly want a free Sharia-compliant card with protection features rather than high rewards.
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.
