Dubai Islamic Johara Classic Credit Card

Dubai Islamic
Johara Classic Credit Card

Minimum Salary AED 5000
Annual Fee AED 0
Rate AED 195 p.m.
Cash Advance 0% /AED 94.5
Non AED Transaction Fee 2.26%
Minimum Salary AED 5000
Annual Fee AED 0
Rate AED 195 p.m.
Cash Advance 0.00% /AED 94.5
Non AED Transaction Fee 2.26%

Top Reasons To Choose

  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

Things To Be Aware Of

  • Has a monthly subscription fee of AED 195 (no interest rate)

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.

Detailed Features

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 tyre fixing
  • Lock-out service
  • Fuel assistance
  • Off-road pull out - 1 free service
  • International Driving License - 50% discount
 
Balance transfer facility
Key features:
  • 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.
 

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