DIB SHAMS Infinite Covered Card
Up to 200,000 bonus Wala'a Rewards + 450 cashback
at Dubai Islamic Bank's secure site
New-to-card customers only. Terms apply. See rates & fees.
Rewards rate
"This is the rare UAE card where the perk list reads like a 1,500-fee product but the fee rounds to zero — 5% on dining and travel, golf, valet, Fitness First and 12 lounge visits. The whole package hinges on one number: 8,000 of retail spend a month. Clear it comfortably and the SHAMS Infinite is hard to beat among Islamic cards; miss it and the perks quietly start billing you."
Earning and redeeming Wala'a Rewards
The earn table is front-loaded where it matters: 10 Wala'a per 1 on dining and on travel bookings — 5% back at the bank's valuation of roughly half a fils per reward — each capped at 20,000 Wala'a (~ 100 of value) a month. Everything else domestic earns 3.5 per 1 (~1.75%), international non- spend earns 4, and the familiar UAE penalty wall applies: government, supermarkets, utilities, insurance, cars, education, fuel, real estate, telecom and EEA transactions all drop to 0.6 per 1. Utility and government bills paid through DIB's own platforms, charity, crypto and quasi-cash earn nothing.
Redemption runs through alt Online Banking: book any airline or hotel, take cashback, shop, pay bills with rewards, or exchange into Etihad Guest Miles and Avios (Qatar Airways Privilege Club) — transfer ratios aren't published, so check the app before committing a large balance. DIB doesn't publish an expiry period either; the KFS simply warns that loyalty currencies expire, which argues for redeeming as you go.
Rates and fees
- Annual fee
- 0 year one, then 733.95 (VAT inclusive) — waived every year you spend 60,000+
- Welcome offer
- 200,000 Wala'a Rewards on USD 15,000 spend in 90 days + 20% cashback (up to 450) at Amazon, Noon, Talabat, Deliveroo & Dubai Now for 3 months — new customers, cards issued by 31 Dec 2026
- Profit rate
- 3.69% per month (Salam structure) on unsettled balances
- Foreign transaction fee
- 3.70% on non- transactions; 3.14% even on -denominated transactions processed abroad
- Cash withdrawal fee
- 3.15% of the amount; non-DIB international ATMs add 26.25
- Late payment
- 236.25 — taken as a charity donation under Sharia supervision, not bank income
- Minimum payment
- 5% of the balance or 100, whichever is higher
- Minimum salary
- Not published by DIB — confirmed at application
- Card network
- Visa Infinite
Fees verified against DIB's Schedule of Charges (effective 11 Aug 2026), the SHAMS limited-time-offer sheet (June 2026) and the Covered Cards Key Facts Statement (Aug 2026), all VAT-inclusive unless noted. Always confirm on dib.ae before applying.
Card benefits
12 lounge visits with a guest
1,200+ lounges via the Visa Airport Companion app. First visit each year is free outright; later ones need a small foreign-currency purchase 15 days ahead — or USD 32 per entry.
4 golf rounds a month
Six courses across Abu Dhabi, Dubai and Sharjah, including Arabian Ranches and The Els Club. Free in months you spend 8,000+.
Valet parking & Fitness First
4 valet parkings a month at 18 UAE locations, plus daily access to Fitness First Platinum and Titanium clubs — same 8,000 monthly spend condition.
Costa Coffee buy-one-get-one
Unlimited BOGO on beverages at Costa outlets across the UAE while you meet the monthly spend condition.
4 airport transfers a year
Complimentary intra-emirate airport transfers from Abu Dhabi, Dubai and Sharjah (inter-emirate at special rates), plus 15% off Zofeur chauffeur services.
USD 500,000 travel cover
Travel and medical coverage up to USD 500,000 when you book your tickets with the card, plus roadside assistance 3x a year.
Pros and cons
- Genuine 5% back on dining and travel — among the strongest category rates in the UAE
- Effectively free for life: no first-year fee, waived after that at 60,000 annual spend
- Unusually broad perks for a fee-waivable card: golf, Fitness First, valet, Costa BOGO, airport transfers, lounge
- Solid base earn — 3.5 Wala'a per 1 on domestic spend (roughly 1.75% at the bank's valuation)
- Fully Sharia-compliant Salam structure with late payment handled as a charity donation, not bank income
- The headline perks (golf, fitness, valet, Costa, transfers) all require 8,000+ retail spend that month
- Lounge visits after the first each year need prior foreign-currency spend — otherwise USD 32 per entry
- 5% dining and travel are each capped at 20,000 Wala'a a month (~ 100 of value)
- 3.70% international usage fee is high — the 4x international earn doesn't cover it
- Government, groceries, utilities, fuel and similar categories earn just 0.6 Wala'a per 1
- DIB doesn't publish a minimum salary for this card — eligibility is only confirmed at application
Is it right for you?
Get this card if
- You reliably spend 8,000+ a month and want the golf-valet-fitness-lounge bundle without a 1,500 fee.
- Dining and travel are big line items for you — 5% back on both is best-in-class.
- You want a fully Sharia-compliant card whose late-payment charge goes to charity, not the bank.
Consider skipping it if
- Your monthly spend hovers below 8,000 — the perks stop being complimentary exactly when you use them.
- Most of your spend is groceries, fuel, utilities or government fees, which earn 0.6 Wala'a per 1.
- You spend heavily abroad — 3.70% FX turns every foreign purchase into a net loss despite the 4x earn.
Alternatives to consider
The same 5% dining-and-travel engine with a lower 5,000 perk threshold and a 30,000 fee-waiver bar — you give up golf and Fitness First.
Best Islamic credit cards →
DIB's Emirates co-brand turns the same premium tier into Skywards Miles and airline perks — for a real annual fee.
Best Emirates Skywards cards →
No reward currency to manage and no perk thresholds to track — straightforward cashback on everyday DIB spending.
Best cashback cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Is the DIB SHAMS Infinite Card really free for life?+
There is no annual fee in year one. From year two the AED 699 + VAT fee (AED 733.95) is waived if you spent AED 60,000 on the card in the year — balance transfers, easy payment plans, cash advances and fees don't count toward the threshold.
What is the SHAMS Infinite welcome offer?+
Two parts, for new-to-card customers with cards issued by 31 December 2026: (1) 200,000 bonus Wala'a Rewards (worth up to AED 1,000) if you spend USD 15,000 within 90 days of issuance; (2) 20% cashback at Amazon, Dubai Now, Deliveroo, Noon and Talabat for the first 3 months, capped at AED 25 per merchant per month — up to AED 450 in total.
How much are Wala'a Rewards worth?+
DIB values 200,000 Wala'a at 'up to AED 1,000' — about AED 0.005 per reward. On that basis 10 Wala'a per AED 1 on dining and travel is 5% back, and the 3.5 base rate is roughly 1.75%. Actual value depends on how you redeem through alt Online Banking.
How does the airport lounge access work?+
You get 12 visits per year with a guest at 1,200+ lounges via the Visa Airport Companion app. The first visit each calendar year is unconditional; for later visits you need a foreign-currency purchase (USD 1 equivalent, at a merchant outside the UAE) at least 15 days beforehand, otherwise USD 32 per entry is charged.
What spend do I need to keep the golf, valet, fitness and Costa benefits?+
AED 8,000 of retail spend in the calendar month. If you miss it (or exceed the usage allowance), the service provider's applicable fee is billed to your card for that usage.
Is the SHAMS Infinite Card Sharia-compliant?+
Yes. DIB is a fully Islamic bank and SHAMS is a covered card based on the Salam structure with a Wakala account, approved by DIB's Internal Sharia Supervision Committee. The monthly profit rate is 3.69%, and late payment triggers a AED 236.25 donation to charity rather than a penalty to the bank.
What is the minimum salary for the SHAMS Infinite Card?+
DIB doesn't publish a minimum salary for this card on its website or Key Facts Statement — eligibility is confirmed during the application.
What does foreign-currency spend cost on this card?+
The international usage fee is 3.70% of the transaction for non-AED spend, and 3.14% even for AED-denominated transactions processed abroad. The higher 4 Wala'a per AED 1 international earn rate (~2% back) does not offset it.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.