Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Dubai Islamic Bank - Johara Classic Credit Card Dubai Islamic Bank - Johara Classic Credit Card Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 0 Rate: 1.95%
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Sharia-complaint and stress-free, your Johara Classic Credit card is designed to suit your life, your requirements and your financial goals. Enjoy special privileges on regular spends, travel and more.

Reward Features:
Earn Wala'a Dirhams
Earn 0.5% on all retail spends.  Redeem Wala'a Dirhams for flight tickets, bill payments and more.

Credit Shield Takaful
For a fee of 0.89% of the card outstanding, 
the Credit Shield Takaful feature covers the unfortunate events of death, 
total disability or loss of employment,
 taking care of your card outstanding at such a time. Maximum coverage is as follows:
  • Involuntary loss of employment - AED 30,000
  • Permanent Total Disability - AED 200,000
  • Death - AED 200,000
Personal Accident and Travel Insurance coverage
  • Personal Accident Benefits - Principal Sum Insured 50,000
  • Accidental Death - 100% of the Principal Sum Insured
  • Emergency Medical Expenses - 62,500
  • Emergency Dental - 125
  • Missed Departure/Cancellation - 375
  • Trip Delay - 125
  • Baggage Delay - 375
  • Baggage Loss - 500
  • Loss of Money - 125
  • Personal Liability - 15,000
Free Roadside assistance
  • 5 Free Services annually
  • Vehicle Servicing- once a year
  • Battery Boost
  • Flat tire fixing
  • Lock-out service
  • Fuel assistance
  • Off-road pullout - 1 free service
  • International Driving License - 50% discount
Balance transfer facility
  • 80% of the Card Limit or 100% of the available cash limit can be used  
  • You are entitled to multiple balance transfer transactions  
  • No documentation required  
  • Instant transfer directly to the other bank’s credit card (takes from 1 to 3 business days)  
  • Minimum transfer amount - AED 100, maximum amount - AED 250,000.
Additional Information
Non-AED Transaction Fee: 2.26%
Things to be aware of: Has a monthly subscription fee of AED 195 (no interest rate)
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