DIB SHAMS Platinum Covered Card

No annual membership fee in the first year, and the fee is waived for subsequent years when the cardholder spends a minimum of AED 15,000 per year. Otherwise the Platinum annual membership fee is AED 199 (plus VAT).

How often

Yearly

How to use it

Applied automatically — Waiver applied automatically in year 1; from year 2 onwards spend at least AED 15,000 per annum on the card.

Caps and limits

Minimum annual spend of AED 15,000 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 or cancelled merchant transactions are excluded from the minimum spend criteria.

Where

All emirates

“*No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 15,000”

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

Cardholders can obtain up to 5 supplementary cards free of charge for family members, sharing the credit access and earning additional rewards.

How often

5 uses a year

How to use it

Call the concierge line — Request supplementary cards from the bank.

Caps and limits

Maximum of 5 supplementary cards free of charge.

Exclusions

The card is issued for personal use only and may not be used for business or corporate purposes.

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-platinum-covered-card · Last checked 25 Aug 2026

Earn 1.5 Wala'a Rewards per AED 1 on domestic (AED) spend, 2 per AED 1 on international non-AED spend, and 0.3 per AED 1 on European Economic Area spend and on government, supermarket, utility, insurance, automobile, education, fuel, real estate and telecom categories.

How often

Always on

How to use it

Applied automatically — Rewards accrue automatically and can be redeemed via alt Online Banking for flights, hotels, cashback, gift cards, bill payments or converted to Avios/Etihad Guest Miles (minimum 20,000 rewards).

Caps and limits

Minimum 20,000 Wala'a Rewards for most redemptions; 10,000 minimum for shopping gift cards; 20,000 rewards = AED 100 for flights/hotels/bills, AED 80 for statement cashback or pay-with-rewards, or 1,000 Avios/Etihad Guest Miles.

Exclusions

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

Where

All emirates, International

“International Spends (Non AED) 2 European Economic Area (EEA) Spend 0.3 Domestic Spends (AED) 1.5”

Source: https://www.dib.ae/personal/cards/shams-dib-platinum-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, up to a maximum of 5,000 Wala'a Rewards per month.

How often

Monthly

How to use it

Applied automatically — Rewards accrue automatically on dining spend and are redeemed via alt Online Banking.

Caps and limits

Maximum 5,000 Wala'a Rewards per month on dining spend.

Exclusions

No Wala'a Rewards on utility/government bills via DIB platforms, foreign currency or travellers' cheque purchases, money orders, deposits, cryptocurrency, prepaid cards with cash access, wire transfers, account funding and charity.

Where

All emirates, International

“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”

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

Complimentary TravellerPass offering buy 1 get 1 offers and discounts at 3,000+ merchants, provided once within 45 days from card issuance.

How often

Per event

How to use it

Redeem in a partner app — Membership is provided once within 45 days from card issuance; offers redeemed through the TravellerPass platform.

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”

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

Earn 10 Wala'a Rewards for every AED 1 spent on flight and hotel bookings, up to a maximum of 10,000 Wala'a Rewards per month.

How often

Monthly

How to use it

Applied automatically — Rewards accrue automatically on flight/hotel spend and are redeemed via alt Online Banking.

Caps and limits

Maximum 10,000 Wala'a Rewards per month on travel spend.

Exclusions

Excluded categories include foreign currency purchases, money orders, wire transfers, cryptocurrency and account funding.

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 10,000 Wala’a rewards per month”

Source: https://www.dib.ae/personal/cards/shams-dib-platinum-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, repaid through a flexible 12-month payment plan. Multiple balance transfers are allowed.

How often

Always on

How to use it

Redeem on a website — Apply for the facility through alt Online Banking; transfer reaches the other bank's card in 1 to 3 business days.

Caps and limits

Up to 90% of the card limit or 100% of the available cash limit; minimum transfer amount AED 1,000; 12-month payment plan.

Exclusions

Balance transfers are excluded from the spend criteria used for the annual membership 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-platinum-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 promo code DIB. Discount capped at AED 15 per transaction and 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 apply promo code "DIB"; bookings can be made up to 30 days in advance.

Caps and limits

Maximum discount AED 15 per transaction; 4 uses per month per covered card; applicable on inter-emirate transfers; offer valid till 31/12/2026; complimentary offers subject to minimum monthly spend of AED 2,000.

Exclusions

RTA testing fee not included; not valid in conjunction with any other promotion or special offer; if the minimum monthly spend is not met, the applicable service fee is billed to the card account.

Where

All emirates

“Maximum discount is capped at AED 15 per transaction Prior booking can be done maximum 30 days in advance Offer can be used 4 times per month per Covered Card”

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

Access cash of up to 90% of the available credit limit anywhere in the world, with the option 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 cash from the card to a DIB account through alt online banking.

Caps and limits

Limited to 90% of the available credit limit.

Exclusions

Cash advances are excluded from the spend criteria for the annual membership 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-platinum-covered-card · Last checked 25 Aug 2026

Complimentary roadside assistance up to 1 time per year, including towing of accident or immobile vehicles to the nearest workshop, fuel assistance (10 litres of petrol 92, fuel cost payable separately), battery boost, flat tyre fixing, lock-out service and off-road pull out from sand.

How often

Yearly

How to use it

Call the concierge line — Contact the service provider on 600500372 (call or WhatsApp for emergency car towing).

Caps and limits

Up to 1 time per year; towing available only if the vehicle is immobile; complimentary subject to maintaining minimum monthly spend of AED 2,000.

Exclusions

Petrol cost is paid separately by the customer; lock-out service provided only if ownership of the car is proven; if the spend criteria is not met, an applicable fee for the service is billed to the card account.

Where

All emirates

“Never be stranded on the road without support with our complimentary roadside assistance up to 1 time per year.”

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

One complimentary round trip per year from the cardholder's home to the nearest passing centre for car registration purposes (towing only).

How often

Yearly

How to use it

Call the concierge line — Contact the service provider on 600500372 to arrange the pick-up and drop-off.

Caps and limits

Once a year; complimentary subject to maintaining minimum monthly spend of AED 2,000.

Exclusions

Towing process only, excluding passing result and associated costs.

Where

All emirates

“Complimentary vehicle registration : Vehicle pick up and drop off (once a year) : Customers receive one round trip from their home to the nearest passing center for car registration purposes.”

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

One complimentary round trip per year from the cardholder's home to the nearest dealer workshop for routine car servicing.

How often

Yearly

How to use it

Call the concierge line — Contact the service provider on 600500372 to arrange the round trip.

Caps and limits

Once a year; complimentary subject to maintaining minimum monthly spend of AED 2,000.

Exclusions

Servicing costs at the workshop are not covered; if the spend criteria is not met, an applicable fee on the service is billed to the card account.

Where

All emirates

“Vehicle servicing - pick up and drop off (once a year) : Customers enjoy a round trip from their home to the nearest dealer workshop for routine car servicing.”

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

Complimentary International Driving Licence for cardholders after submitting the required documentation.

How often

Per event

How to use it

Call the concierge line — Contact the service provider on 600500372 and submit the needed documentation.

Caps and limits

Complimentary subject to maintaining minimum monthly spend of AED 2,000.

Exclusions

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.

Where

All emirates

“Free international driving license: Complimentary International Driving license for cardholders after collecting the needed documentation.”

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

Purchases paid in full with the DIB SHAMS Platinum card, in store or online, are protected against theft or damage for 365 days from the date of purchase, including accidental damage of mobile phones.

How often

Always on

How to use it

Triggered by paying with the card — Pay for the item in full with the card; submit claims within 28 days of the incident, and report theft within 24 hours of discovery.

Caps and limits

Cover lasts 365 days from purchase date; claims within 28 days of the incident; theft reported within 24 hours of discovery.

Exclusions

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

Where

All emirates, International

“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.”

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

Complimentary travel and medical cover of up to US$ 100,000 when flight tickets are booked with the card, covering the cardholder, spouse and up to 4 children under 18. Includes personal accident benefits, emergency medical expenses, cancelled/delayed departure, loss of personal belongings and baggage delay/loss.

How often

Always on

How to use it

Triggered by paying with the card — Book flight tickets using the eligible DIB card; contact Watania on 800 928 2642 for the coverage certificate and register claims via the listed hotlines or the ISA ASSIST app.

Caps and limits

Coverage up to US$ 100,000; spouse and up to 4 children under the age of 18 covered.

Exclusions

Travel cover is provided by third-party provider Watania and additional terms and conditions apply.

Where

International

“Enjoy travel and medical coverage of up to US$ 100,000 on your trips when you book your flight tickets using your eligible DIB Card.”

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