DIB SHAMS Platinum Credit Card

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Free for Life*

Credit Card
Complimentary

Travel Cover
Complimentary

Roadside assistance

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For T&Cs, click here

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The Only Card You Need

One card with the power of many! 5% back on dining, 5% back on travel, complimentary travel cover and much more.

The Only Card You Need

One card with the power of many! 5% back on dining, 5% back on travel, complimentary travel cover 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 15,000

Introductory offer:

Get up to 50,000 Bonus Wala’a rewards [Worth up to AED 250 ] 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 5,000
Bonus Wala’a Rewards	50,000

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

Please refer to the below table for details

Welcome Bonus 2
Cashback	20%
Offer validity	First 3 months
Merchants	Amazon, Dubai Now, Deliveroo, Noon & Talabat
Maximum cashback per merchant per month	AED 15
Total cashback during the offer	AED 270

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 5,000 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 10,000 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 Category	Wala’a Rewards (Per AED 1)
Dining (Cafes, restaurants, fast food joints etc)	10
Travel (Flight/ Hotel Bookings)	10
International Spends (Non AED)	2
European Economic Area (EEA) Spend	0.3
Domestic Spends (AED)	1.5
Spends on government, supermarkets/groceries, utilities, insurance, automobiles, education, fuel, real estate, telecom, etc.. **	0.3

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.

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 reward = 1,000 Etihad Guest Miles
Minimum 20,000 Wala’a rewards required for redemption
20,000 Wala’a Rewards = AED 100

Complimentary Travel Coverage

Enjoy travel and medical coverage of up to US$100,000 on your trips while booking your tickets with your card.

Personal Accident Benefits
Emergency Medical Expenses
Delayed departure
Loss of personal belongings

For travel insurance certificate or to register a claim, email at info@aman.ae / Tel: 04-3183179 / 04-3193172

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 Platinum 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.

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

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 once 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

Important to note:

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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