Prime Signature Card review
Domestic retail spending earns 2.5 Wala'a Rewards per AED 1 and foreign-currency spending 3, with restricted categories earning 0.2. The card never charges an annual fee.
Cardholders get eight lounge visits a year, two monthly valet parkings, travel takaful cover up to USD 500,000, doubled warranty, 365-day buyer's protection and roadside assistance three times a year - kept active with a AED 5,000 monthly spend.
Credit Shield Takaful cover of up to AED 200,000 for death or disability and AED 30,000 for job loss is available, and the covered-card structure keeps financing interest-free 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 Signature |
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| Minimum salary | AED 15,000 |
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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 2.5 Wala'a Rewards per AED 1 on domestic retail spends and 3 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 | 8 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 Signature Card benefits
✓Free for life with no annual fee
✓2.5x Wala'a Rewards on all retail spends
✓8 airport lounge visits per year
✓Travel takaful cover up to USD 500,000
✓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 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 Signature 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 mid-level earners who want free-for-life rewards with real airport benefits and Sharia-compliant protection.
What works well
- ✓No annual fee ever
- ✓Solid 2.5x flat earn plus lounge access
- ✓Takaful protections built in
What to weigh up
- −Benefits need a AED 5,000 monthly spend
- −Everyday categories earn only 0.2 Wala'a
- −No welcome bonus on this card
Prime Signature Card eligibility
Minimum salary of AED 15,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 5,000 keeps the complimentary benefits active
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Prime Signature Card FAQs
Minimum salary of AED 15,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 5,000 keeps the complimentary benefits 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 2.5 Wala'a Rewards per AED 1 on domestic retail spends and 3 per AED 1 on foreign-currency spends
This card suits mid-level earners who want free-for-life rewards with real airport benefits and Sharia-compliant 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.
