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
- Travel and medical cover up to USD 100,000 for cardholder, spouse and up to 4 children
- Redeem for flights, hotels, cashback, gift cards, Etihad Guest Miles or Avios
- 15% off Zofeur chauffeur services and 1 complimentary roadside assistance a year
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 5% | AED 50 |
| Dining & food | 5% | AED 25 |
| International spend | 1% | No cap |
| Retail | 0.75% | No cap |
| Transport | 0.75% | No cap |
| Online shopping | 0.75% | No cap |
| Supermarket | 0.15% | No cap |
| Fuel | 0.15% | No cap |
| Utilities | 0.15% | No cap |
| Education | 0.15% | No cap |
| Real estate | 0.15% | No cap |
Spend in the European Economic Area earns a reduced 0.3 Wala'a Rewards per AED 1, against 2 per AED on other international (non-AED) spend. In Perkly's terms that is about 0.15% back, not the international rate shown above.
Current welcome offer
Earn 50,000 bonus Wala'a Rewards plus 20% cashback at select merchants
- 50,000 Wala'a Rewards (about AED 250) for spending USD 5,000 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 15 per merchant per month (AED 90/month, AED 270 over the offer)
- New-to-card only: existing DIB covered card holders and SHAMS holders who cancelled in the last 6 months are not eligible
- Card must be approved and issued by 31 December 2026
Expected offer expiry: December 2026
Benefits & perks
- •Complimentary travel and medical insurance up to USD 100,000 (cardholder, spouse and up to 4 children under 18) when tickets are booked on the card
- •Buyers' protection cover for 365 days via Visa Platinum
- •Complimentary roadside assistance: 1 time per year, including a free international driving licence
- •15% off Zofeur chauffeur services (max AED 15 per transaction, up to 4 times per month, valid to 31/12/2026)
- •Wala'a Rewards redeemable for flights, hotels, cashback, gift cards and bill payments
- •Wala'a Rewards transferable to Etihad Guest Miles or Avios (Qatar Airways Privilege Club)
- •Balance transfer facility (minimum AED 1,000, 12-month plan)
- •Up to 5 free supplementary cards
Every card is checked against official bank sources. Last updated September 2026.
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DIB SHAMS Infinite Covered Card
- Earn 10 Wala'a Rewards per AED 1 on dining and travel, 4 on international spend, 3.5 on general domestic spend
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Updated September 2026