Prime Infinite Card review
Every AED 1 of domestic retail spend earns 3 Wala'a Rewards, rising to 3.5 on foreign-currency purchases, while restricted everyday categories earn 0.2. There is no annual fee at any point.
The benefits package includes 12 lounge visits a year across 1,200+ lounges, two monthly valet parkings with a AED 8,000 monthly spend, travel takaful cover up to USD 500,000, doubled manufacturer warranty, 365-day buyer's protection and roadside assistance five times a year.
Balance transfers can reach 80% of the card limit, cash withdrawals 80%, and the optional Credit Shield Takaful adds cover of up to AED 200,000. As a covered card the profit rate is fixed at up to 3.69% per month with no interest-based charges.
Card details
| Bank | DIB |
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| Card type | Premium |
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| Card network | Visa Infinite |
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| Minimum salary | AED 20,000 |
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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 3 Wala'a Rewards per AED 1 on domestic retail spends and 3.5 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 | 12 complimentary visits per year to 1,200+ airport lounges; first annual visit free, later visits need a small prior foreign-currency spend |
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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 up to 80% of the card limit or 100% of the available cash limit |
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| Instalment plan | Extended payment plans available on retail purchases on DIB's standard terms |
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Prime Infinite Card benefits
✓Free for life with no annual fee
✓3x Wala'a Rewards on all retail spends
✓12 airport lounge visits per year
✓Travel takaful cover up to USD 500,000
✓2 valet parking services per month
✓Credit Shield Takaful available
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 up to 80% of the card limit or 100% of the available cash limit
Instalment planExtended payment plans available on retail purchases on DIB's standard terms
Prime Infinite 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 high earners who want a genuinely free premium card with strong flat-rate rewards and airport comfort.
What works well
- ✓No annual fee at Infinite tier
- ✓Healthy 3x base earn on all retail
- ✓Full airport package with 12 lounge visits
What to weigh up
- −AED 20,000 salary requirement
- −Everyday categories earn just 0.2 Wala'a
- −Valet benefit needs AED 8,000 monthly spend
Prime Infinite Card eligibility
Minimum salary of AED 20,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 8,000 keeps the valet benefit active
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Prime Infinite Card FAQs
Minimum salary of AED 20,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 8,000 keeps the valet benefit active
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 3 Wala'a Rewards per AED 1 on domestic retail spends and 3.5 per AED 1 on foreign-currency spends
This card suits high earners who want a genuinely free premium card with strong flat-rate rewards and airport comfort.
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.
