TravelIslamic
Dubai Islamic Bank
SHAMS Platinum Covered Card
The SHAMS Platinum Covered Card is a travel credit card from Dubai Islamic Bank. It has an annual fee of AED 208.95, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 208.95
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, 2 on international spend, 1.5 on general local spend
- Free for life (no annual fee with AED 15,000 annual spend from year 2)
- Complimentary travel and medical cover up to USD 100,000 for cardholder, spouse and up to 4 children
- Redeem Wala'a Rewards for flights, hotels, cashback, gift cards or transfer to Etihad Guest or Qatar Avios
Earn rates
| Category | Rate |
|---|---|
| Travel | 5% |
| Dining & food | 5% |
| International spend | 1% |
| Retail | 0.8% |
| Transport | 0.8% |
| Online shopping | 0.8% |
| Supermarket | 0.2% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Real estate | 0.2% |
Current welcome offer
Earn 50,000 bonus Wala'a Rewards on qualifying spend
- 50,000 Wala'a Rewards (about AED 250) for spending USD 5,000 within 90 days
- 20% cashback on Amazon, noon, Talabat, Deliveroo and Dubai Now for the first 3 months
- Cashback capped at AED 15 per merchant per month (AED 90/month, AED 270 total)
- New-to-card applicants only, card issued by 30 Jun 2026
Expected offer expiry: June 2026
Every card is checked against official bank sources. Last updated June 2026.
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