Dubai Islamic Bank
SHAMS Infinite Covered Card
The SHAMS Infinite Covered Card is a travel credit card from Dubai Islamic Bank. It has an annual fee of AED 733.95, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 733.95
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Wala'a Rewards
Card highlights
- Earn 10 Wala'a Rewards per AED 1 on dining and travel, 4 on foreign spend, 3.5 on local
- 12 lounge visits/year (1,200+ lounges) plus 4 airport transfers a year
- 4 golf rounds/month at UAE courses, 4 valet sessions/month, unlimited Fitness First access
- Travel and medical cover up to USD 500,000 for cardholder, spouse and up to 5 children
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 5% | AED 100 |
| Dining & food | 5% | AED 100 |
| International spend | 2% | No cap |
| Retail | 1.75% | No cap |
| Transport | 1.75% | No cap |
| Online shopping | 1.75% | No cap |
| Supermarket | 0.3% | No cap |
| Fuel | 0.3% | No cap |
| Utilities | 0.3% | No cap |
| Education | 0.3% | No cap |
| Real estate | 0.3% | No cap |
Rewards on this card are capped at AED 200 a month across all categories (about AED 2,400 a year).
Benefits & perks
- •Airport lounge access at 1,200+ lounges: 12 visits/year plus one guest (Visa Airport Companion)
- •Travel and medical insurance up to USD 500,000 (cardholder, spouse and up to 5 children, trips up to 90 days)
- •4 complimentary golf rounds/month at 6 UAE courses
- •Complimentary Fitness First Platinum and Titanium access: up to 31 visits/month
- •4 valet parking services/month at 18 locations
- •4 complimentary airport transfers/year
- •Buy-one-get-one (unlimited) at Costa Coffee
- •Roadside assistance: up to 3 times/year
- •Wala'a Rewards redeemable for flights, hotels, cashback, gift cards and more
- •Points transferable to Etihad Guest Miles or Qatar Avios
- •Visa Luxury Hotel Collection access
- •Purchase protection (buyers' protection for 365 days)
- •15% off Zofeur chauffeur services (up to AED 15/transaction, 4 times/month, valid to 31/12/2026)
- •Balance transfer facility
- •Up to 5 free supplementary cards
- •Most lifestyle perks require AED 8,000 minimum monthly spend
- •Free for life (annual fee waived from year 2 with AED 60,000 annual spend)
Every card is checked against official bank sources. Last updated June 2026.
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More from Dubai Islamic Bank
Consumer Cashback Platinum Card
- 4% cashback on supermarkets, fuel, school fees, auto servicing, telecoms, utilities and Salik/Nol (category caps AED 50-400, overall cap AED 1,000/month)
- Minimum AED 4,000 monthly spend required to earn cashback; no cashback outside listed categories
Updated June 2026
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