The Prime Classic Card comes packed with features and facilities that work to deliver a feeling of exclusivity to cardholders. These cards offer benefits that cover things like reward programs, travel desk facilities, credit shields, accident and travel insurance and much more. They even come equipped with features that let set limits on how much can be spent on your card and where. In case of emergencies they also provide roadside assistance services that can help you out when your car breaks down.
Features of the Dubai Islamic Bank Prime Classic Credit Card
Annual Fee:The card is free for life which means that there is no fee charged even when it comes to renewal or supplementary cards.
Interest Rates:Since the card is compliant with the Sharia rules of Islamic banking, no interest is charged but it does come with a monthly profit rate on Salam of up to 3.25%.
Credit Period:There is no interest charged on the outstanding balance however if your payments are delayed then you may be charged a late payment fee of AED 175.
Cash Advance:The cash advance facility on this card allows you to withdraw up to 80% of your credit limit as cash or have it transferred to your account.
Cash withdrawals:The fee charged for cash advances will be AED 90 for each transaction.
International transactions:The card allows you to conduct international transactions which are charged at 1.95%, however, this does not include any charges that may be levied by Visa International.
Benefits of the DIB Prime Classic Credit Card
The benefits offered by this card extend from balance transfer facilities to credit shields, travel insurance and more.
Credit Shield:The outstanding balance on your card is protected by a credit shield Takaful that can be activated for a fee of 0.39% of the outstanding balance.
- If you lose your job then you will get a cover of up to AED 30,000
- In case of permanent disability or death the cover will be of AED 200,000
Insurance Benefits:The card comes with complimentary travel and personal accident insurance too, under which you are entitled to:
- A cover of USD 50,000 for personal accidents and accidental death.
- A cover of USD 65,000 to help take care of emergency expenses.
- It will also cover eventualities like delay or loss of baggage, missed or cancelled trips, lost money, etc.
- To cover any personal liabilities you may have, you will get a cover of USD 50,000.
- Even children up to the age of 18 years can be covered by this insurance for an amount of up to USD 10,000.
- You will get access to the Al Islami Travel Desk which will help you make your travel plan by providing you services like ticket booking/deliveries and airport pickups and drops.
- You will also get 24/7 roadside assistance to help you out when your car breaks down.
- Purchases made using this card will be protected against theft or damage for a period of 60 days.
- For added security you will be provided with the Card Protection Plus facility that lets you define the parameters for the use of your card. These parameters could be the type of transactions and locations where these transactions can be made.
DIB Prime Classic Credit Card Rewards
The DIB Prime Classic Cards come with the Wala’a Dirhams loyalty programs which allow you to earn Wala’a Dirhams when you spend using this card. Once you have collected a sizable amount, you can use them the next time you go shopping or even use them to pay your utility bills.
The Prime Classic Card ensures that when it comes to benefits, you are not left wanting. It acts as a credit card and an insurance policy while providing you with exclusive services like balance transfers, high cash withdrawal limits and attractive reward programs.