DIB SHAMS Signature Covered Card

Complimentary access to over 1,200 airport lounges, 8 times per year, with the first visit in a calendar year fully complimentary.

How often

8 uses a year

How to use it

Activate in the bank's app — Download and register your Card on the Visa Airport Companion App for access

Caps and limits

1st visit complimentary; subsequent visits require USD1 equivalent foreign currency spend outside UAE at least 15 days prior, else USD32 charge per usage

Where

All emirates, International

“Enjoy complimentary access to over 1,200 airport lounges 8 times per year”

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

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

How often

2 uses a year

How to use it

Applied automatically — Book your ride via the provided booking channel

Caps and limits

At special rates per annum; subject to minimum monthly spend of AED 5,000

Where

Dubai, Abu Dhabi, Sharjah

“2 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-signature-covered-card · Last checked 25 Aug 2026

No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 30,000.

How often

Yearly

How to use it

Applied automatically

Caps and limits

Requires minimum annual spend of AED 30,000

Where

All emirates

“No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 30,000”

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

Get up to 5 supplementary cards free of charge, enabling shared access to credit and expense management for family while earning additional rewards.

How often

5 uses, always on

How to use it

Applied automatically

Caps and limits

Up to 5 supplementary cards

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

Earn 10 Wala'a rewards for every AED 1 spent on travel (flights/hotels) bookings, capped at 15,000 Wala'a rewards per month.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum 15,000 Wala'a rewards per month

Where

All emirates, International

“Earn 10 Wala’a rewards for every AED 1 spent on travel Maximum 15,000 Wala’a rewards per month”

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

Get 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, Talabat and more during the first 3 months, capped at AED 20 per merchant per month, with total cashback during the offer capped at AED 360.

How often

Per event

How to use it

Applied automatically

Caps and limits

Maximum cashback AED 20 per merchant per month; total cashback during offer AED 360; offer valid for first 3 months

Where

All emirates

“Total cashback during the offer AED 360”

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

Earn 10 Wala'a rewards for every AED 1 spent on dining, capped at 10,000 Wala'a rewards per month, credited as Wala'a rewards.

How often

Monthly

How to use it

Applied automatically

Caps and limits

Maximum 10,000 Wala'a rewards per month

Where

All emirates

“Earn 10 Wala’a rewards for every AED 1 spent on dining Maximum 10,000 Wala’a rewards per month”

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

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

How often

Always on

How to use it

Applied automatically

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-signature-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 Signature Covered Card

Where

International

“complimentary food and beverage vouchers worth US$ 25”

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

15% off on Zofeur services (personal chauffeur, vehicle inspection, garage pick up & drop off), capped at AED 15 discount per transaction, usable 4 times per month.

How often

4 uses a month

How to use it

Activate in the bank's app — Use “DIB” promocode on the Zofeur app; prior booking up to 30 days in advance

Caps and limits

Maximum discount capped at AED 15 per transaction; usable 4 times per month per Covered Card; valid till 31/12/2026

Exclusions

Not valid in conjunction with any other promotion or special offer

Where

All emirates

“Maximum discount is capped at AED 15 per transaction”

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

Roadside assistance including vehicle registration pick-up/drop-off, servicing pick-up/drop-off, towing, fuel assistance, battery boost, flat tyre fixing, lock-out service, off-road pull out, and free international driving license, available up to 2 times per year.

How often

2 uses a year

How to use it

Call the concierge line — Contact service provider via Whatsapp or phone at 600500372

Caps and limits

Up to 2 times per year; some sub-services (vehicle registration, servicing pick-up/drop-off) limited to once a year each

Exclusions

Petrol cost for fuel assistance to be paid separately by customer

Where

All emirates

“Never be stranded on the road without support with our complimentary roadside assistance up to 2 times per year”

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

Protection against theft or damage for new item purchases made with the card, covered for 365 days from date of purchase, including accidental damage of mobile phones.

How often

Always on

How to use it

Applied automatically — Access claims via the Visa Airport Companion App

Caps and limits

Covered for 365 days from date of purchase; claims must be submitted within 28 days of incident; theft must be reported within 24 hours of discovery

Exclusions

Applicable on new item purchases only, full payment must be made using the card

Where

All emirates

“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-signature-covered-card · Last checked 25 Aug 2026

Travel and medical coverage of up to US$500,000 including personal accident, emergency medical expenses, evacuation and repatriation, hospital daily cash, trip cancellation/curtailment, delayed departure, missed departure/connection benefits, baggage delay, and loss of personal belongings, covering the cardholder, spouse and up to 5 children on trips up to 90 days.

How often

Per event

How to use it

Applied automatically — Details, certificate and claims accessible via the Visa Airport Companion App

Caps and limits

Covers trips up to 90 days; coverage up to US$500,000

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

2 complimentary valet parking services per month at 18 key locations across the UAE.

How often

2 uses a month

How to use it

Applied automatically — Present your card at the valet parking reception

Caps and limits

Subject to maintaining minimum monthly spend of AED 5,000 per month

Where

All emirates

“2 complimentary valet parking services per month at 18 key locations across the UAE”

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