Prime Signature Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
Dirham Score 3.8/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Bank FX charge 3.7%; scheme charges may apply
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 15,000
- Annual fee
- AED 0
- Bank FX charge
- 3.7%; scheme fees may apply
- Monthly profit rate
- up to 3.69%
- Reward programme
- DIB Walaa
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
2.5 Walaa points per AED on eligible local spend; 3 points per AED international spend.
Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| International Spend | 3 points per AED | Shared/general conditions | 0 |
| Groceries | 0.2 points per AED | Shared/general conditions | 0 |
| School Fees | 0.2 points per AED | Shared/general conditions | 0 |
| Utilities | 0.2 points per AED | Shared/general conditions | 0 |
| Fuel | 0.2 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Prime Signature Card
Dirham Score 3.8/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Bank FX charge 3.7%; scheme charges may apply
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 0
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Calculation assumptionsRewards, fees & important conditions
2.5 Walaa points per AED on eligible local spend; 3 points per AED international spend.
No cinema benefit verified. · 8 annual lounge visits via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.
Valet: Two monthly visits at selected locations; AED 5,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.
Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.
Eligible local general retail earns 2.5 Walaa points/AED; eligible non-AED general retail earns 3. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.
EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.
No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.
Official bank source · checked 2026-10-18Current fees effective 12 October 2026
Official new covered-card key facts
Official valet spend conditions
Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: 8 annual lounge visits via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.
- Cinema: No current offer verified
- Valet: Two monthly visits at selected locations; AED 5,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.
- Golf: No published benefit verified
Exclusions and important product notes
- Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.
- Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.
- Eligible local general retail earns 2.5 Walaa points/AED; eligible non-AED general retail earns 3. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.
- EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.
- No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.
Official bank sources and application information
- Prime Signature Card official product terms
- DIB: Current fees effective 12 October 2026
- DIB: Official new covered-card key facts
- DIB: Official valet spend conditions
- Prime Signature Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.