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

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Card highlights

Earn 10 Wala'a Rewards per AED 1 on dining and travel, 3 on international spend, 2.5 on general domestic spend
1 complimentary airport lounge visit a year, then visits require a qualifying foreign purchase (1,200+ lounges, 8 visits a year via Visa Airport Companion)
2 complimentary valet parking visits a month and 2 complimentary intra-emirate airport transfers a year (AED 5,000 monthly spend required)
Travel and medical cover up to USD 500,000 for cardholder, spouse and up to 5 children; transfer rewards to Etihad Guest Miles or 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

Spend in the European Economic Area earns a reduced 0.4 Wala'a Rewards per AED 1, against 3 per AED on other international (non-AED) spend. In Perkly's terms that is about 0.2% back, not the international rate shown above.

Current welcome offer

Earn 100,000 bonus Wala'a Rewards plus 20% cashback at select merchants

100,000 Wala'a Rewards (about AED 500) for spending USD 10,000 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 20 per merchant per month (AED 120/month, AED 360 total)
New-to-card customers only; existing DIB covered or SHAMS cardholders 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

•Airport lounge access at 1,200+ lounges via Visa Airport Companion: 8 visits per calendar year (first visit complimentary; subsequent visits require a qualifying foreign purchase of USD 1+ made 15+ days before the visit)
•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)
•2 complimentary valet parking services per month at 18 locations (requires AED 5,000 minimum monthly spend)
•2 complimentary intra-emirate airport transfers per year, with inter-emirate transfers at special rates (requires AED 5,000 minimum monthly spend)
•Unlimited buy-one-get-one on beverages at Costa Coffee (requires AED 5,000 minimum monthly spend)
•Roadside assistance: up to 2 times per year
•Purchase protection: 365 days
•Wala'a Rewards redeemable for flights, hotels, cashback, gift cards, bill payments, Etihad Guest Miles or Avios
•Wala'a Rewards transfer to Etihad Guest Miles or Avios (Qatar Airways Privilege Club): 20,000 Wala'a = 1,000 miles/Avios
•Access to Visa Luxury Hotel Collection
•15% off Zofeur chauffeur services (max AED 15 per transaction, 4 times per month, valid to 31/12/2026)
•Up to 5 free supplementary cards
•Balance transfer facility

Every card is checked against official bank sources. Last updated September 2026.

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SHAMS Signature Covered Card

Card highlights

Earn rates

Current welcome offer

Benefits & perks

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