DIB SHAMS Infinite Covered Card

Complimentary access to over 1,200 airport lounges 12 times per year with a guest. The first visit in a calendar year is complimentary; subsequent complimentary visits require a foreign currency spend of at least USD 1 equivalent outside the UAE at least 15 days before the visit, otherwise USD 32 per usage is charged.

How often

12 uses a year

How to use it

Activate in the bank's app — From 1 October 2024, use the Visa Airport Companion App for complimentary lounge access; download and register your card on the app.

Caps and limits

12 visits per year with a guest. Subsequent visits after the first in a calendar year require foreign currency spend of USD 1 equivalent outside UAE at least 15 days prior.

Exclusions

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.

Where

International, All emirates

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

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

15% discount on Zofeur app services including personal chauffeur, vehicle inspection and garage pick up and drop off, using promocode DIB. Discount capped at AED 15 per transaction, usable 4 times per month per covered card.

How often

4 uses a month

How to use it

Redeem in a partner app — Book through the Zofeur app and use promocode "DIB"; prior booking can be made maximum 30 days in advance.

Caps and limits

Maximum discount AED 15 per transaction; 4 times per month per covered card; applicable on inter-emirate transfers; valid till 31/12/2026.

Exclusions

RTA testing fee not included; not valid in conjunction with any other promotion or special offer.

Where

All emirates

“Use “DIB” promocode to avail the offer Maximum discount is capped at AED 15 per transaction”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Four complimentary intra-emirate airport transfers per annum (or inter-emirate airport transfers at special rates) from Abu Dhabi, Dubai and Sharjah.

How often

4 uses a year

How to use it

Redeem on a website — Book your ride via the booking link provided on the card page.

Caps and limits

4 complimentary intra-emirate transfers per annum from Abu Dhabi, Dubai and Sharjah; inter-emirate transfers at special rates. Subject to minimum monthly spend of AED 8,000.

Exclusions

If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account.

Where

Dubai, Abu Dhabi, Sharjah

“Enjoy stress-free travel with 4 complimentary intra-emirate airport transfers or inter-emirate airport transfers at special rates, per annum from Abu Dhabi, Dubai and Sharjah.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

No annual membership fee in the first year, and the fee is waived for subsequent years on a minimum annual spend of AED 60,000. Otherwise the annual membership fee is AED 699.

How often

Yearly

How to use it

Applied automatically — Automatic in year 1; from year 2 spend at least AED 60,000 per annum on eligible retail transactions.

Caps and limits

Minimum annual spend AED 60,000 required from year 2 onwards; VAT applies to the fee if charged.

Exclusions

Balance transfers, Easy Payment Plans, cash advances, all bank fees and reversed/cancelled transactions are excluded from the qualifying spend.

Where

All emirates

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

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Get up to 5 supplementary cards free of charge for shared access to credit and managing family expenses while earning additional rewards.

How often

5 uses a year

How to use it

Applied automatically — Request supplementary cards from the bank.

Caps and limits

Up to 5 supplementary cards free of charge.

Where

All emirates

“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.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Earn 3.5 Wala'a Rewards per AED 1 on domestic AED spends, 4 per AED 1 on international (non-AED) spends, 0.6 on European Economic Area spends and 0.6 on government, supermarket, utility, insurance, automobile, education, fuel, real estate and telecom spends.

How often

Always on

How to use it

Applied automatically — Rewards accrue automatically on eligible spend and can be redeemed instantly through alt Online Banking.

Caps and limits

Earn rates vary by merchant category as defined by Visa.

Exclusions

No rewards on utility and government bills through DIB platforms, foreign currency or travellers' cheques, money orders, deposits, cryptocurrency purchases, prepaid cards with cash access, wire transfers, account funding and charity.

Where

All emirates, International

“International Spends (Non AED) 4 European Economic Area (EEA) Spend 0.6 Domestic Spends (AED) 3.5”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Earn 10 Wala'a Rewards for every AED 1 spent on dining at cafes, restaurants and fast food outlets, equal to 5% back, capped at 20,000 Wala'a Rewards per month.

How often

Monthly

How to use it

Applied automatically — Pay with the card at dining merchants; rewards credited automatically and redeemable via alt Online Banking.

Caps and limits

Maximum 20,000 Wala'a Rewards per month on dining.

Exclusions

Rewards not earned on utility/government bills via DIB platforms, foreign currency purchases, money orders, deposits, cryptocurrency, prepaid cards with cash access, wire transfers, account funding, charity.

Where

All emirates

“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”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Enjoy 'Buy One Get One' on beverages at Costa Coffee outlets across the UAE.

How often

Always on

How to use it

Triggered by paying with the card — Pay with the card at Costa Coffee outlets across the UAE to receive the second beverage free.

Caps and limits

Applies to beverages at Costa Coffee UAE outlets; subject to minimum monthly spend of AED 8,000.

Exclusions

If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account.

Where

All emirates

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

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Complimentary TravellerPass offering Buy 1 Get 1 and discounts at 3,000+ merchants, offered once within 45 days from card issuance.

How often

Per event

How to use it

Redeem in a partner app — Complimentary TravellerPass is offered once within 45 days from card issuance.

Caps and limits

Offered only once within 45 days from card issuance.

Exclusions

TravellerPass terms and conditions apply.

Where

All emirates

“Complimentary TravellerPass Buy 1 Get 1 and discounts at 3,000+ merchants Yes”

Source: https://www.dib.ae/docs/default-source/cpr/tc/dib-shams-credit-card-limited-time-offer-en.pdf?sfvrsn=5ab600b9_6 · Last checked 6 Oct 2026

Complimentary golf at 6 golf courses across the UAE, one round every week, 4 times per month, at clubs including Abu Dhabi Golf Club, Arabian Ranches Golf Club, Address Montgomerie, The Track Meydan, The Els Club and Sharjah Golf & Shooting Club.

How often

4 uses a month

How to use it

Redeem on a website — Book your golfing experience through the booking link provided on the card page.

Caps and limits

4 rounds per month, one per week, at 6 listed UAE golf courses. Complimentary subject to minimum monthly spend of AED 8,000.

Exclusions

If the minimum monthly spend criteria of AED 8,000 is not met, an applicable fee on the service provided will be billed to the card account.

Where

Dubai, Abu Dhabi, Sharjah

“Master your game and enhance your golfing experience at 6 golf courses across the U.A.E. Choose from our premier list of Golf courses every week, 4 times per month”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Exclusive member privileges at over 900 luxury hotel properties worldwide including preferential prices, room upgrades, free internet and breakfast, VIP guest status, late check-outs and complimentary food and beverage vouchers worth US$25.

How often

Per event

How to use it

Redeem on a website — Book your stay at www.visaluxuryhotels.com and pay with your DIB SHAMS Infinite Covered Card.

Caps and limits

Available at over 900 participating luxury hotel properties worldwide.

Exclusions

Booking must be made via visaluxuryhotels.com and paid with the card.

Where

International

“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”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Transfer outstanding balances from other banks' credit cards with no documentation required, using up to 90% of the card limit or 100% of the available cash limit, with a flexible payment plan for 12 months and a minimum transfer amount of AED 1,000.

How often

Always on

How to use it

Redeem on a website — Apply for the facility through alt Online Banking; transfer completed in 1 to 3 business days.

Caps and limits

90% of the card limit or 100% of available cash limit; minimum transfer amount AED 1,000; payment plan of 12 months; multiple transfers allowed.

Exclusions

Balance transfers are excluded from spend criteria for annual fee waiver and welcome bonuses.

Where

All emirates

“Clear your outstanding on any other banks' credit cards and save more on unnecessary charges with no documentation required.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Cash withdrawal limit of up to 90% of the available credit limit worldwide, with the ability to transfer cash instantly from the card to a Dubai Islamic Bank account via alt online banking.

How often

Always on

How to use it

Redeem on a website — Withdraw cash at ATMs or transfer from the card to a DIB account via alt online banking.

Caps and limits

Up to 90% of available credit limit.

Exclusions

Cash advances are excluded from spend criteria for the annual fee waiver and welcome bonuses.

Where

All emirates, International

“Enjoy a cash withdrawal limit of up to 90% of available credit limit allowing you easy access to cash anywhere in the world.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Complimentary roadside assistance up to 3 times per year including towing, fuel assistance (10 litres of petrol 92), battery boost, flat tyre fixing, lock-out service, off-road pull out, vehicle registration pick up and drop off (once a year), vehicle servicing pick up and drop off (once a year) and a free international driving license.

How often

3 uses a year

How to use it

Call the concierge line — Contact the service provider on 600500372 by phone or WhatsApp for emergency car towing.

Caps and limits

Up to 3 times per year; vehicle registration and vehicle servicing pick up and drop off once a year each; fuel assistance limited to 10 litres of petrol 92.

Exclusions

Petrol cost to be paid separately by the customer; towing only if vehicle is immobile; passing result and associated costs excluded; ownership proof required for lock-out service.

Where

All emirates

“Never be stranded on the road without support with our complimentary roadside assistance up to 3 times per year.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Protection of purchases against theft or damage for 365 days from the date of purchase, when full payment is made with the DIB SHAMS Infinite Card in store or online. Covers accidental damage of mobile phones.

How often

Yearly

How to use it

Activate in the bank's app — Pay in full with the card; claim details available via the Visa Airport Companion App. Claims to be submitted within 28 days of the incident; theft must be reported within 24 hours of discovery.

Caps and limits

Covered for 365 days from the date of purchase; new items only.

Exclusions

Applicable on new item purchases only; full payment must be made using the DIB SHAMS Infinite Card.

Where

All emirates, International

“Protect your purchases from theft or damage, enabling you to immerse yourself in worry free shopping.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Complimentary access to Fitness First Platinum and Titanium Clubs across the UAE.

How often

Always on

How to use it

Applied automatically — Visit a participating Fitness First Platinum or Titanium Club location listed on the card page.

Caps and limits

Complimentary subject to maintaining minimum monthly spends of AED 8,000 per month.

Exclusions

If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account.

Where

All emirates

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

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Earn 10 Wala'a Rewards for every AED 1 spent on flight and hotel bookings, equal to 5% back, capped at 20,000 Wala'a Rewards per month.

How often

Monthly

How to use it

Applied automatically — Pay with the card for flight or hotel bookings; rewards credited automatically and redeemable via alt Online Banking.

Caps and limits

Maximum 20,000 Wala'a Rewards per month on travel.

Exclusions

Excluded categories include foreign currency purchases, money orders, deposits, cryptocurrency, prepaid cards with cash access, wire transfers, account funding and charity.

Where

All emirates, International

“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”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Travel and medical coverage of up to US$500,000 when booking tickets with the card. Multi-trip cover for the cardholder, spouse and up to 5 children on all trips up to 90 days, including personal accident, emergency medical expenses, evacuation and repatriation, hospital daily cash, trip cancellation/curtailment, delayed departure, missed departure and connection, baggage delay and loss of personal belongings.

How often

Yearly

How to use it

Activate in the bank's app — Book tickets with the card; coverage details, certificate and claims accessed via the Visa Airport Companion App.

Caps and limits

Coverage up to US$500,000; trips up to 90 days; covers cardholder, spouse and up to 5 children.

Exclusions

Tickets must be booked with the card.

Where

International

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

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026

Four complimentary valet parking services per month at 18 key locations across the UAE, availed by presenting the card at the valet parking reception.

How often

4 uses a month

How to use it

Triggered by paying with the card — Present your card at the valet parking reception at a participating location.

Caps and limits

4 complimentary valet parking services per month at 18 key UAE locations; subject to minimum monthly spend of AED 8,000.

Exclusions

If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account.

Where

All emirates

“Take away the hassle of parking with 4 complimentary valet parking services per month at 18 key locations across the UAE.”

Source: https://www.dib.ae/personal/cards/shams-dib-infinite-covered-card · Last checked 25 Aug 2026