TravelIslamic
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 |
|---|---|
| Travel | 5% |
| Dining & food | 5% |
| International spend | 1.5% |
| Retail | 1.3% |
| Transport | 1.3% |
| Online shopping | 1.3% |
| Supermarket | 0.2% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Real estate | 0.2% |
Current welcome offer
Earn 100,000 bonus Wala'a Rewards on new cards issued by 30 Jun 2026
- 100,000 Wala'a Rewards (about AED 500) for spending USD 10,000 within 90 days
- 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 over the offer)
- New cardholders 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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