Dubai Islamic Bank
SHAMS Signature Covered Card
The SHAMS Signature Covered Card is a travel credit card from Dubai Islamic Bank. It has an annual fee of AED 523.95, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 523.95
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, 3 on international spend, 2.5 on local
- 8 airport lounge visits/year (1,200+ lounges) plus 2 airport transfers and 2 valet parkings/month
- Travel and medical cover up to USD 500,000 for cardholder, spouse and up to 5 children
- Redeem Wala'a Rewards for flights, hotels, cashback or transfer to Etihad Guest and Qatar Avios
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 5% | AED 75 |
| Dining & food | 5% | AED 50 |
| International spend | 1.5% | No cap |
| Retail | 1.25% | No cap |
| Transport | 1.25% | No cap |
| Online shopping | 1.25% | No cap |
| Supermarket | 0.2% | No cap |
| Fuel | 0.2% | No cap |
| Utilities | 0.2% | No cap |
| Education | 0.2% | No cap |
| Real estate | 0.2% | No cap |
Rewards on this card are capped at AED 125 a month across all categories (about AED 1,500 a year).
Benefits & perks
- •Airport lounge access at 1,200+ lounges: 8 visits/year via Visa Airport Companion
- •Complimentary travel and medical cover up to USD 500,000 (cardholder, spouse and up to 5 children, trips up to 90 days)
- •2 airport transfers/year
- •2 valet parking services/month
- •Buyers' protection cover (365 days)
- •Buy-one-get-one (unlimited) at Costa Coffee
- •Visa Luxury Hotel Collection access
- •Roadside assistance: up to 2 incidents/year
- •15% off Zofeur chauffeur services (max AED 15/transaction, 4 times/month, valid to 31/12/2026)
- •Wala'a Rewards redeemable for flights, hotels, cashback, gift cards and more
- •Transfer Wala'a Rewards to Etihad Guest Miles or Qatar Avios
- •Balance transfer facility
- •Up to 5 free supplementary cards
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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