DIB SHAMS Infinite Credit Card

Joining is free, and the annual fee is AED 733.95. It's waived entirely for the first year on cards approved by 31 December 2026. From the second year onward, the fee is waived if you spend AED 60,000 or more on the card that year.

You need a minimum monthly salary of AED 20,000 to qualify for the DIB SHAMS Infinite Credit Card.

Applicants without an existing DIB covered card whose SHAMS Infinite is approved and issued by 31 December 2026 can earn 200,000 Wala'a Rewards after USD 15,000 of eligible retail transactions post within 90 days of issuance. Those points are worth AED 1,000 for travel, hotels or supported bill payments.

During the issuance month and the following two calendar months, eligible transactions at Amazon, Deliveroo, Dubai Now, noon and Talabat earn 20% cashback. The cashback is capped at AED 25 per merchant and AED 150 per month.

You earn 10 Wala'a Rewards per AED on eligible dining, flight and hotel spend, capped at 20,000 points per category each month. Other spend earns 4 points per AED on non-EEA international purchases, 3.5 points per AED on regular domestic spend, and 0.6 points per AED on EEA spend and specified reduced-rate categories.

Up to 31 Fitness First visits per month, 4 airport transfers per year, 4 valet sessions per month, 4 golf rounds per month and unlimited Costa Coffee buy-one-get-one beverages require AED 8,000 eligible spend in the calendar month. Excess or ineligible uses incur a fee. The 12 annual airport lounge visits with a guest work differently: register in Visa Airport Companion and, after the first annual visit, make a qualifying foreign-currency transaction at least 15 days before the next access.