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 international spend, 3.5 on general domestic spend
- 1 complimentary lounge visit a year, then visits unlocked by foreign spend; 12 visits a year at 1,200+ lounges via Visa Airport Companion
- 4 complimentary golf rounds a month at 6 UAE courses, 4 valet visits a month, and 4 airport transfers a year (all require AED 8,000 monthly spend)
- Complimentary 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 |
Spend in the European Economic Area earns a reduced 0.6 Wala'a Rewards per AED 1, against 4 per AED on other international (non-AED) spend. In Perkly's terms that is about 0.3% back, not the international rate shown above.
Current welcome offer
Earn 200,000 bonus Wala'a Rewards plus 20% cashback at select merchants
- 200,000 Wala'a Rewards (about AED 1,000) for spending USD 15,000 within 90 days of card issuance
- 20% cashback on Amazon, noon, Talabat, Deliveroo and Dubai Now for the first 3 months
- Cashback capped at AED 25 per merchant per month (AED 150/month, AED 450 over the offer period)
- New-to-card customers only: existing DIB covered or SHAMS cardholders ineligible if a card was cancelled in the last 6 months
- Card approved and issued by 31 December 2026
Expected offer expiry: December 2026
Benefits & perks
- •Airport lounge access at 1,200+ lounges: 12 visits per year plus a guest, via Visa Airport Companion (first visit complimentary; subsequent visits require a qualifying foreign purchase made 15+ days prior)
- •Complimentary travel and medical insurance up to USD 500,000 for cardholder, spouse and up to 5 children on trips up to 90 days (tickets must be booked on the card)
- •Complimentary Fitness First Platinum and Titanium club access: up to 31 visits per calendar month (requires AED 8,000 monthly spend)
- •4 complimentary golf rounds per month at 6 UAE courses (requires AED 8,000 monthly spend)
- •4 complimentary valet parking services per month at 18 locations (requires AED 8,000 monthly spend)
- •4 complimentary intra-emirate airport transfers per year, with inter-emirate transfers at special rates (requires AED 8,000 monthly spend)
- •Unlimited buy-one-get-one on beverages at Costa Coffee (requires AED 8,000 monthly spend)
- •Roadside assistance: up to 3 times per year
- •Purchase protection for 365 days
- •Visa Luxury Hotel Collection access
- •Wala'a Rewards redeemable for flights, hotels, cashback, gift cards (Amazon.ae), bill payments, Etihad Guest Miles or Avios
- •15% off Zofeur chauffeur services (up to AED 15 per transaction, 4 times per month, valid to 31/12/2026)
- •Balance transfer facility
- •Up to 5 free supplementary cards
Every card is checked against official bank sources. Last updated September 2026.
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More from Dubai Islamic Bank
DIB Prime Infinite Card
- Earn 3.5 Wala'a Rewards per AED 1 on foreign spend, 3 on general retail
- 1 complimentary lounge visit a year, then spend-unlocked access at 1,200+ lounges (12 visits a year) via Visa Airport Companion
Updated September 2026