Prime Gold Card

The Prime Gold Card has no annual fee, providing cost-free card ownership for the cardholder.

How often

Yearly

How to use it

Applied automatically

Where

All emirates

“No Annual Fee Protection Plus On Your Card”

Source: https://www.dib.ae/personal/cards/prime-gold-card · Last checked 25 Aug 2026

Earn Wala'a Rewards points on retail spending: 0.6 points per AED 1 on general retail purchases and 1 point per AED equivalent on foreign currency transactions. Reduced earning of 0.2 points per AED 1 on supermarkets, telecom, education, petroleum, government services, takaful, and vehicle dealers. Redeem points for flight tickets, hotel stays, retail purchases, bill payments and more. Points expire after 24 months if unused.

How often

Always on

How to use it

Activate in the bank's app — Redeem via Call Centre after 48 hours of points credit. Benefits delivered approximately 7 working days after redemption.

Caps and limits

Maximum points accrual limited to amount based on credit limit per calendar month. Points expire after 24 months if unused.

Exclusions

No rewards on utility/government bills via DIB platforms, foreign currency purchases, money orders, deposits, crypto purchases, pre-paid cards, wire transfers, account funding, or charity.

Where

All emirates

“Earn 0.6 Wala'a Rewards for every AED 1 & 1 Wala'a Rewards for every AED equivalent foreign currency”

Source: https://www.dib.ae/personal/cards/prime-gold-card · Last checked 25 Aug 2026

Complimentary roadside assistance up to 2 times per year including vehicle registration pick-up/drop-off (once yearly), vehicle servicing pick-up/drop-off (once yearly), towing for damaged vehicles, fuel assistance (10 litres of petrol 92), battery boost, flat tyre fixing, lock-out service, and off-road pull out. Also includes 75% discount on International Driving License.

How often

2 uses a year

How to use it

Call the concierge line — Contact service provider via WhatsApp (600500372) or speak with agent at same number for assistance.

Caps and limits

Limited to 2 complimentary services per year; vehicle registration and servicing pick-up limited to once per year each.

Exclusions

Petrol cost must be paid separately by customer. Battery replacement not included if battery is damaged.

Where

All emirates

“complimentary roadside assistance up to 2 times per year”

Source: https://www.dib.ae/personal/cards/prime-gold-card · Last checked 25 Aug 2026

Transfer balance from other credit cards to Prime Gold Card via Online/Mobile Banking or Banking Express Terminals. Minimum transfer AED 100, maximum AED 250,000. No documentation required with instant transfer (1-3 business days processing).

How often

Per event

How to use it

Redeem on a website — Access via Online Banking, Mobile Banking, or Banking Express Terminals.

Caps and limits

80% of card limit or 100% of available cash limit can be transferred. Minimum AED 100, maximum AED 250,000 per transaction. Multiple balance transfers allowed.

Where

All emirates

“80% of the Card Limit or 100% of the available cash limit can be used”

Source: https://www.dib.ae/personal/cards/prime-gold-card · Last checked 25 Aug 2026

High cash withdrawal limits up to 80% of total card limit, with card-to-DIB account transfer facility. Access cash worldwide at DIB ATMs and participating banks with high withdrawal limits.

How often

Always on

How to use it

Applied automatically — Access cash at DIB ATMs or participating banks using the card and PIN. Card-to-account transfer available via Online or Mobile Banking.

Caps and limits

Cash withdrawal limit up to 80% of card limit. Subject to daily withdrawal limits of ATM used.

Exclusions

Transfer of funds from card to DIB account incurs normal fixed transaction fees and charges.

Where

All emirates

“high cash withdrawal limits of up to 80% (of total card limit)”

Source: https://www.dib.ae/personal/cards/prime-gold-card · Last checked 25 Aug 2026

Enjoy travel and medical coverage of up to US$ 75,000 on trips when booking flight tickets using the eligible DIB Card. Coverage includes personal accident benefits, emergency medical expenses, cancelled/delayed departure, loss of personal belongings, and baggage delay/loss for cardholder, spouse and children (up to 4, under age 18).

How often

Yearly

How to use it

Applied automatically

Caps and limits

Coverage up to US$ 75,000 per trip for cardholder, spouse and up to 4 children under 18.

Where

All emirates

“Enjoy travel and medical coverage of up to US$ 75,000 on your trips when you book your flight tickets”

Source: https://www.dib.ae/personal/cards/prime-gold-card · Last checked 25 Aug 2026