• Dubai Islamic Bank Johara Classic Credit Card

    Dubai Islamic Bank Johara Classic Credit Card
    Credit Card
    Annual Fee
    Reward type
    Dubai Islamic Bank Johara Classic Credit Card
    Annual Fee:
    AED 0
    Reward type:
    Travel, Insurance, Fuel, Shopping and Cashback

    Al-Islami credit cards like the Johara Classic credit card from Dubai Islamic Bank are fully sharia-compliant and free from un-Islamic charges like Riba or interest and over-limit fees.

    These cards combine the functionality of traditional credit cards with excellent rewards programs and benefits, keeping it Halal and empowering you to make full use of the short-term credit functionality and world-class banking services of Dubai Islamic Bank. These cards conform fully to Islamic Sharia laws and are accepted worldwide.

    Features of the Dubai Islamic Bank Johara Classic Credit Card

    • Completely Sharia-compliant and free from Riba and un-Islamic charges.
    • Annual fee of primary card AED 100.
    • Monthly subscription fee of primary card AED 175.
    • Late payment penalty of AED 175.
    • Payments are due within 20 days of the statement date.
    • Cash advance available at 80% of the credit limit.
    • Maximum limit for cash withdrawal is AED 3,000.
    • Purchase protection is a kind of insurance against theft, damage and destruction for all goods purchased with this card up to $1,000 per occurrence for up to 60 days.
    • Free travel insurance with unique benefits, covering:
      • Medical expenses up to $62,500 with a $50 deductible.
      • Dental care emergency up to a cost of $125.
      • Personal accident benefits have a principal sum insured of $50,000.
      • Accidental death cover will be 100% of the principal sum insured.
      • Missed departure/cancellation benefit of $375.
      • Trip delay benefit of $125 in excess of 4 hours.
      • Baggage delay benefit of $375 in excess of 4 hours. Baggage loss covered for $500.

    Benefits of the Dubai Islamic Bank Johara Classic Credit Card

    • Travel desk – this card entitles you to exclusive personalised services from the Al-Islami Travel Desk. Benefits include:
      • Assured discounts on travel bookings.
      • Free delivery of travel tickets at your doorstep.
      • No agency service fee on the purchase of any airline ticket.
      • Dedicated service number.
    • Road-side Assistance – upon receiving this card, you are automatically - and for no extra charge - enrolled in the road-side assistance program, which has the following features:
      • 5 free services annually.
      • Towing.
      • Vehicle servicing once a year.
      • Battery boost.
      • Flat tyre fixing.
      • Lock-out service.
      • Fuel assistance.
      • 1 free off-road pull out.
      • 50% discount on International driving license.
    • All these services are available 24/7, 7 days a week, all over the UAE.

    Dubai Islamic Bank Johara Credit Card reward program – Wala’a Dirhams

    Unlock the potential of huge savings and benefits with Wala’a Dirhams, which you earn as you spend.

    • Earn 0.5% of your retail spending back in the form of Wala’a Dirhams.
    • 1 Wala’a Dirham is equal to 1AED in value.
    • Redeemable against utility payments for DEWA, SEWA, FEWA du,  Etisalat (landline, GSM, Wasel, Al Shamil), E-vision, RTA Salik recharge, and many more.
    • Also redeemable against tickets from Air Arabia and FlyDubai.
    • Simple redemption process.
    • The maximum Wala’a Dirhams that you can earn is on the total retail spends made in a month, up to your credit limit.
    • Wala’a Dirhams expire automatically in 3 years if you do not use them.
    • You cannot gift or transfer your Wala’a Dirhams.

    Look no further if you’re looking for a starting range 100% Sharia-compliant credit card. The rewards program and benefits are in addition to industry-leading banking facilities provided by Dubai Islamic Bank, no interest, and a line of short-term credit. You can be sure that all transactions done through his card are fully Halal and do not incorporate any kind of un-Islamic charges.

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