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DIB SHAMS Infinite Credit Card

  • Free for Life*
    Credit Card
  • Complimentary
    Airport Transfers
  • Complimentary
    Travel Cover
  • Complimentary Coffee
    at Costa Coffee
Apply Now
Request Callback Find a branch

For Fees & Charges, click here

For T&Cs, click here

For Key Fact Statement, click here

For Warnings, click here

The Only Card You Need

One card with the power of many! 5% back on dining, 5% back on travel, complimentary airport transfers, airport lounge access, valet parking, rounds of golf, access to Fitness First, buy-one-get-one on coffee at Costa and much more.

Get your Card free for life

*No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 60,000

Introductory offer:

Get up to 200,000 Bonus Wala’a rewards [Worth up to AED 1,000 ] for New to Card customers Only. Please refer the below table for the details:

Welcome Bonus 1
Spend Criteria (Within 90 days from Card issuance date)USD 15,000
Bonus Wala’a Rewards200,000

Get 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, Talabat and more.

Please refer to the below table for details:

Welcome Bonus 2
Cashback20%
Offer validilityFirst 3 months
MerchantsAmazon, Dubai Now, Deliveroo, Noon & Talabat
Maximum cashback per merchant per monthAED 25
Total cashback during the offerAED 450

For further details on the offer, please click here

Rewards with every bite!

Enjoy 5% back on dining with your SHAMS Card.

  • Earn 10 Wala’a rewards for every AED 1 spent on dining
  • Maximum 20,000 Wala’a rewards per month
  • Value credited as Wala’a rewards

Travel is more rewarding now!

Enjoy 5% back on travel (flights/hotels) bookings with your SHAMS Card.

  • Earn 10 Wala’a rewards for every AED 1 spent on travel
  • Maximum 20,000 Wala’a rewards per month
  • Value credited as Wala’a rewards

Unlock a world of Wala’a Rewards with every swipe in U.A.E and overseas

 

Spend CategoryWala’a Rewards
(Per AED 1)
Dining (Cafes, restaurants, fast food joints etc)10
Travel (Flight/ Hotel Bookings)10
International Spends (Non AED)4
European Economic Area (EEA) Spend0.6
Domestic Spends (AED)3.5
Spends on government, supermarkets/groceries, utilities, insurance, automobiles, education, fuel, real estate, telecom, etc.. **0.6

Wala’a Rewards will not be earned on Utility & Government bills transactions made through DIB platforms.

** This is as per the merchant categories defined by Visa and subject to additional terms and conditions by Visa

A bounty of ways to redeem your Wala'a Rewards

Choose your reward, live your experience with travel, cashback, Etihad Miles and more.

Redeem your Wala’a Rewards instantly through the alt Online Banking

  • Book Any Airline Anywhere Any Time
  • Book Any Hotel Anywhere Across the World
  • Cashback
  • Shopping
  • Rewards exchange
  • Pay with Rewards
  • Bill Payments

Book Any Airline Anywhere Any Time

Hop on flights to your dream destinations. Redeem your Wala’a Rewards to book flight tickets with your SHAMS card.

  • 20,000 Wala’a Rewards = AED 100

Book Any Hotel Anywhere Across the World

Indulge in luxurious getaways! Redeem your Wala’a Rewards to book your stay with your SHAMS Card.

  • 20,000 Wala’a Rewards = AED 100

Cashback

Experience the thrill of maximizing your savings Redeem your rewards for statement credit against your monthly outstanding balance.

  • Minimum 20,000 Wala’a reward required for redemption.
  • 20,000 Wala’a Rewards = AED 80

Shopping

Redeem your rewards for gift cards at Amazon.ae, Yougotagift and many more

  • Minimum 10,000 Wala’a rewards required for redemption

Rewards Exchange

Convert your Wala’a Rewards to memorable travel experiences and redeem your Wala’a Rewards to earn Etihad Guest Miles with your card’s miles exchange benefits.

  • 20,000 Wala’a reward = 1,000 Etihad Guest Miles
  • Minimum 20,000 Wala’a rewards required for redemption

Pay with Rewards

Redeem your Wala’a Rewards to pay for your next transaction.

  • Minimum 20,000 Wala’a reward required for redemption.
  • 20,000 Wala’a Rewards = AED 80

Bill Payments

Stay organized, save time, and simplify your life by settling utility bills from the ‘comfort of your own phone’, using Wala’a Rewards.

  • 20,000 Wala’a Rewards = AED 100

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Complimentary Rounds of Golf***

Master your game and enhance your golfing experience at 7 golf courses across the U.A.E.

Choose from our premier list of Golf courses every week, 4 times per month

Golf CourseCity
Abu Dhabi Golf ClubAbu Dhabi
Trump International Golf ClubDubai
Arabian Ranches Golf ClubDubai
Address Montgomerie Golf ClubDubai
The Els Club Golf ClubDubai
Al Hamra Golf ClubRAK
Sharjah Golf & Shooting ClubSharjah

Complimentary access to Fitness First ***

Elevate your wellness journey with complimentary access to Fitness First Platinum and Titanium Club across the U.A.E

Click here for the locations you have complimentary access

For further details on the offer click here

Complimentary Valet Parking ***

Take away the hassle of parking with 4 complimentary valet parking services per month at 20 key locations across the UAE.
Avail this offer by simply presenting your card at the valet parking reception. For further details on the offer click here

Savor twice the delight at Costa Coffee ***

Enjoy ‘Buy One Get One’ on beverages at Costa Coffee outlets across UAE

For further details on the offer  click here

Complimentary Airport Transfers ***

Enjoy stress-free travel with 4 complimentary airport transfers per annum from Abu Dhabi, Dubai and Sharjah.
Book your ride now

For further details on the offer click here

Complimentary Airport Lounge Access

Enjoy complimentary access to over 1,200 airport lounges 12 times per year with a guest

  • First visit to the airport lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, spend criteria of foreign currency spend of USD 1 or equivalent must be met, on both primary & supplementary cards minimum 15 days prior the lounge visit. If the spend criteria is not met, a charge of US $32 per usage will be levied to the card used for the lounge visit.
New Update!
Say goodbye to showing your Card. Say Hello to Visa Airport Companion!

Starting October 1, 2024, you just need to use the Visa Airport Companion App for complimentary access to airport lounges. The app will replace the process of showing your Card for lounge access. Click here for more details.

Download and register your Card on the Visa Airport Companion App today

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Enjoy 15% off on Zofeur Services

  • Offer can be availed on the below services through Zofeur app

    • Personal Chauffeur
    • Vehicle inspection (RTA testing fee not included)
    • Garage pick up & drop off
  • Use “DIB15” promocode to avail the offer
  • Maximum discount is capped at AED 20 per transaction
  • Prior booking can be done maximum 30 days in advance
  • Offer is applicable on inter-emirate transfers
  • Offer is not valid in conjunction with any other promotion or special offer
  • Offer is valid till 31/12/2024

*Zofeur Terms and Conditions Apply

Complimentary Roadside Assistance

Never be stranded on the road without support with our complimentary roadside assistance up to 3 times per year. One additional roadside assistance will be provided on charge of Upgrade fee.

The services that can be availed are as follows:

  • Free international driving license
  • Complimentary vehicle registration (once a year)
  • Vehicle servicing- pick up and drop off (once a year)
  • Towing
  • Fuel assistance
  • Battery Boost
  • Flat tire fixing
  • Lock-out service
  • Off-road pull out
  • Inter-Emirate towing

To avail these services, please contact us through any of the below channels

  • Whatsapp - 04-3876666
  • IMC Roadside Assistance mobile app
  • To speak with an agent - 600575751

 

 

 

 

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Complimentary Travel Coverage

Enjoy travel and medical coverage of up to US$500,000 on your trips while booking your tickets with your card. 

With multi-trip travel coverage, the cardholder, spouse and up to 5 children are covered on all trips up to 90 days.

For details on the coverage for the below, click here

  • Personal Accident Benefits
  • Emergency Medical Expenses
  • Evacuation and Repatriation Expenses
  • Hospital Daily Cash
  • Trip Cancellation/Curtailment
  • Delayed departure
  • Missed Departure benefits
  • Missed Connection Benefits
  • Baggage delay
  • Loss of personal belongings

To apply for the travel coverage certificate, please click https://cardholderbenefitsonline.com/

For claims, please visit cardholderbenefitsonline.com

Complimentary Buyers protection

Protect your purchases from theft or damage, enabling you to immerse yourself in worry free shopping. For more details, please click here.

  • Full payment of the item should be made using your DIB SHAMS Infinite Card either in store or online.
  • Applicable on new item purchases only.
  • Covered for of 365 days from the date of purchase.
  • Claims to be submitted within 28 days of the incident.
  • In case of theft, the cardholder must report it within 24 hours of discovery of theft.
  • Covers accidental damage of mobile phones.

Experience Luxury Hotel Collection from Visa: Enjoy exclusive member privileges at over 900 luxury hotel properties around the world with preferential prices, room upgrades, free internet and breakfast, VIP guest status, late check-outs and complimentary food and beverage vouchers worth US$ 25.

Book your stay at www.visaluxuryhotels.com and pay with your DIB SHAMS Infinite Credit Card to enjoy these benefits.

For more information visit http://www.visamiddleeast.com/

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Balance transfer facility

Clear your outstanding on any other banks' credit cards and save more on unnecessary charges with no documentation required. You can apply for the facility through alt Online Banking.

  • 90% of the Card Limit or 100% of the available cash limit can be used
  • You are entitled to multiple balance transfer transactions
  • No documentation required
  • Instant transfer directly to the other bank’s credit card (takes from 1 to 3 business days)
  • Minimum transfer amount - AED 1,000.
  • Flexible Payment plan for 12 months

For Balance Transfer facility Terms and Conditions, please click here.

Complimentary Supplementary Cards: Get up to 5 supplementary cards free of charge and enjoy the convenience of shared access to credit and managing expenses for family while earning additional rewards.

Cash Withdrawal: Enjoy a cash withdrawal limit of up to 90% of available credit limit allowing you easy access to cash anywhere in the world. What’s more, you can even transfer cash instantly from your card to your Dubai Islamic Bank account via alt online banking

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Important to note:

***The offers are complimentary subject to maintaining minimum monthly spends of AED 8,000 per month. If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account in the subsequent month.

The Card is issued for the Cardholder’s personal use only and the Cardholder is not authorised to use the Card for business or corporate purposes and/or activities. The Bank may, in its discretion, restrict, cancel the Card and/or not award Wala’a Rewards. The Bank may debit any Wala’a Rewards, if the Bank determines in its sole discretion that the Card has been used for non-personal use, fraudulent or illegal Card Transactions.

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