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Dubai Islamic Bank DIB SHAMS Signature Covered Card

DIB SHAMS Signature Covered Card

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Annual Fee
AED523.95
Annual Fee Benefit(s)
  • Free for 1st Year
  • Spend-based waiver from Y-2
0% Balance Transfer
Up to 12 months
Sign Up Offer(s)
  • 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, Talabat and more for first 3 months
  • Up to 100,000 Wala’a rewards
Valet ParkingPurchase ProtectionAirport Lounge AccessTravel InsuranceAirport Transfers

Rewards Program

  • 5% back on dining; up to 10,000 Wala'a rewards per month
  • 5% back on travel; up to 15,000 Wala'a rewards per month 

Benefits

  • 100,000 Bonus Wala'a rewards (worth up to AED 500) for new-to-card customers on min. retail spend of USD 10,000 within 90 days of card issuance
  • 20% cashback on Amazon, Deliveroo, Dubai Now, Noon & Talabat for the first 3 months — capped at AED 20 per merchant per month, AED 120 total during the offer period
  • No annual fee in Year 1; fee waived from Year 2 on min. annual spend of AED 30,000 (else AED 523.95 incl. VAT applies)
  • Wala'a Rewards redeemable for flights, hotels, statement-credit cashback, Amazon.ae gift cards, Etihad Guest Miles / Avios by Qatar Airways Privilege Club (20,000 Wala'a = 1,000 miles), or utility bill payments — e.g. 20,000 Wala'a = AED 100 towards flights/hotels/bills, or AED 80 as cashback/statement credit (min. 20,000 Wala'a for most redemptions; min. 10,000 for shopping)
  • 2 complimentary airport transfers/year (intra-emirate, or inter-emirate at special rates, from Abu Dhabi/Dubai/Sharjah)
  • Complimentary airport lounge access up to 8 times/year across 1,200+ lounges — 1st visit/year free; subsequent visits require min. USD1 foreign-currency spend outside UAE 15 days prior, else USD 32 charge
  • 2 complimentary valet parking uses/month at 18 UAE locations
  • Buy-one-get-one on beverages at Costa Coffee outlets UAE-wide
  • 15% off Zofeur services (personal chauffeur, vehicle inspection, garage pick-up/drop-off) — capped at AED 15/transaction, usable 4x/month
  • Complimentary roadside assistance up to 2x/year
  • Complimentary multi-trip travel & medical coverage up to US$500,000 (cardholder, spouse, up to 5 children; trips up to 90 days)
  • 365-day complimentary purchase protection, including accidental mobile phone damage

  • Visa Luxury Hotel Collection privileges at 900+ properties worldwide

    Note: Complimentary benefits such Airport Transfers, Valet, and Costa are subject to minimum spend of AED 5,000 in a month. If the spends criteria is not met then subsequent charges will be levied to the customer's account.

Min. Monthly Income

AED15,000

Annual Fee Terms

Year 1: No Annual Fee.

From year 2: AED 523.95 (including VAT) waived on spends of AED 30,000 or above in previous year

Sign Up Offer Terms

  • USD 10,000 spend within 90 days

Reviews

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