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Dubai Islamic Bank
Prime Gold Credit Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 0.6 Wala'a Rewards per AED 1 on retail spends
- 1 Wala'a Reward per AED equivalent of foreign currency spends
- 0.2 Wala'a Rewards per AED 1 on supermarkets, telecom, education, petroleum, government services, takaful, car dealers, transport and real estate
- Travel & medical cover up to US$75,000 when flight booked on the card (covers spouse and up to 4 children under 18)
- Complimentary roadside assistance up to 2 times per year
- Optional Credit Shield Takaful at 0.94% monthly (death/disability AED 200,000, involuntary job loss AED 30,000)
- Card Protection Plus optional security facility
- Balance transfer facility
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.