DIB Prime Gold
DIB Prime Gold is a UAE Islamic covered card with DIB Walaa rewards. Its published minimum monthly salary is AED 5,000. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.7/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 3.7%; scheme charges may apply
Explore all DIB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- 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
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible domestic general retail | 0.6 Walaa Rewards per AED 1 | Confirm product-specific caps with the bank | Restricted categories earn 0.2; no EU-originating rewards. |
| Eligible non-EU foreign currency retail | 1 Walaa Rewards per AED equivalent | Confirm product-specific caps with the bank | EU-originating purchases earn no Walaa Rewards. |
| Specified retail categories | 0.2 Walaa Rewards per AED 1 | Confirm product-specific caps with the bank | Supermarkets, telecom, education, petroleum, government including utilities, takaful, vehicle dealers, transport and real estate. |
| EU-originating transactions and excluded transactions | No Walaa Rewards | Confirm product-specific caps with the bank | DIB-channel government/utility payments, currency, money orders, account funding, charity and other listed exclusions. |
Why this card has no annual AED forecast
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Published earning rates, known fees and bank conditions remain available in this review.
Check DIB's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for DIB Prime Gold Covered Card
DIB Prime Gold Covered Card
Dirham Score 2.7/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Bank FX charge 3.7%; scheme charges may apply
Subject to the bank’s employer, residence, credit assessment and application criteria. No mandatory salary transfer was established in the reviewed sources.
View breakdown
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Calculation assumptionsRewards, fees & important conditions
Read the full DIB Prime Gold Covered Card review and fee maths
No cinema benefit verified. · No complimentary lounge entitlement established in the reviewed product page.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
Published earning is described separately. An annual forecast is unavailable until this product’s full redemption, merchant exclusions, caps and qualification rules are represented.
Annual fee is free for all Prime tiers in the current tariff.
Up to 3.69% monthly Salam profit; foreign-usage fee 3.70% on non-AED transactions; AED international usage 3.14%.
No guaranteed cash value is assigned to Walaa Rewards or lifestyle benefits.
Official bank source · checked 2026-10-24Current DIB tariff effective12October2026
Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary lounge entitlement established in the reviewed product page.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Annual fee is free for all Prime tiers in the current tariff.
- Up to 3.69% monthly Salam profit; foreign-usage fee 3.70% on non-AED transactions; AED international usage 3.14%.
- No guaranteed cash value is assigned to Walaa Rewards or lifestyle benefits.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare DIB Prime Gold Covered Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare DIB Prime Gold Covered Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare DIB Prime Gold Covered Card with CBD Super Saver Visa Signature Credit CardDIB Prime Gold FAQs
What salary do you need for DIB Prime Gold?
The published minimum monthly salary is AED 5,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for DIB Prime Gold?
The listed annual fee is AED 0. Joining fees, recurring plan charges, borrowing costs and transaction fees may be separate. Check the linked official tariff and any waiver conditions.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- DIB Prime Gold Covered Card official product terms
- DIB: Official product page
- DIB: Current DIB tariff effective12October2026
- DIB: Prime terms
- DIB Prime Gold Covered 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.