Prime Platinum Card review
Every AED 1 of domestic retail spend earns 2 Wala'a Rewards, with 2.2 on foreign-currency purchases; restricted categories earn 0.2. The card carries no annual fee, ever.
Benefits include Visa Luxury Hotel Collection privileges - best-rate guarantees, upgrades, late checkout and a USD 25 dining voucher - alongside 365-day buyer's protection, travel and medical cover up to USD 100,000 and roadside assistance twice a year.
Balance transfers reach 80% of the card limit, cash withdrawals 80%, and optional Credit Shield Takaful at 0.94% of the outstanding covers up to AED 200,000. Financing follows the covered-card model at 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 Platinum |
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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 2 Wala'a Rewards per AED 1 on domestic retail spends and 2.2 per AED 1 on foreign-currency spendsSupermarkets, telecom, education, petroleum and government services 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 | 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 Platinum Card benefits
✓Free for life with no annual fee
✓2x Wala'a Rewards on all retail spends
✓Visa Luxury Hotel Collection privileges
✓Travel and medical cover up to USD 100,000
✓365-day buyer's protection
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 Platinum 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 salaried residents from AED 5,000 who want a permanently free rewards card with hotel perks and purchase protection.
What works well
- ✓No annual fee at an accessible salary
- ✓2x flat earn beats most entry cards
- ✓Hotel privileges and purchase protection included
What to weigh up
- −No lounge access
- −Everyday categories earn only 0.2 Wala'a
- −No welcome bonus
Prime Platinum 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 Platinum 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 2 Wala'a Rewards per AED 1 on domestic retail spends and 2.2 per AED 1 on foreign-currency spends
This card suits salaried residents from AED 5,000 who want a permanently free rewards card with hotel perks and purchase protection.
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.
