DIB SHAMS Infinite Credit Card
Earn 5% cashback on dining and travel, with complimentary Fitness First access, unlimited airport lounge visits, and golf.
≈ AED 2,236 value / year · incl. perks
Rewards
5%
cashback on dining and travel bookings
5% Wala'a rewards on dining and travel. Monthly cap: 20,000 points per category.
See full breakdown1%
cashback on all other spends
1% cashback on all other eligible retail transactions.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
20,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Fitness First Access
Unlimited complimentary access to Fitness First gyms
Complimentary unlimited access to Fitness First gyms across the UAE. Requires minimum AED 8,000 monthly spend.
See full breakdownAirport Lounge Access
Unlimited lounge access via Visa Airport Companion
Complimentary unlimited access to airport lounges globally via the Visa Airport Companion programme. Requires minimum AED 8,000 monthly spend.
See full breakdownAirport Transfers
4 complimentary airport transfers per year
4 complimentary airport transfers per year at participating UAE airports. Requires minimum AED 8,000 monthly spend.
See full breakdownValet Parking
4 complimentary valet sessions per month
4 complimentary valet parking sessions per month at select UAE locations (Yas Mall, Marina Mall, Wafi City, Ibn Batutta Mall, City Centre malls, DXB T1/T3 and more). Requires minimum AED 8,000 monthly spend on the card.
See full breakdownGolf
4 complimentary rounds per month at 6 UAE courses
4 complimentary golf rounds per month at 6 UAE golf courses (Abu Dhabi GC, Arabian Ranches, Montgomerie, The Track Meydan, Els Club, Sharjah G&S). Requires minimum AED 8,000 monthly spend.
See full breakdownCosta Coffee BOGO Beverages
Buy-One-Get-One free beverages at Costa Coffee
Complimentary Buy-One-Get-One free beverages at Costa Coffee outlets. Requires minimum AED 8,000 monthly spend.
See full breakdownFees
Free
Joining Fee
733.95AED
Annual Fee
Waived when annual spend ≥ AED 60,000.
3.69%
Monthly Purchase Rate
3.69% per month (44.28% per annum)
Cash WithdrawalAED 94.5*
*Per ATM transaction.
International ATM WithdrawalAED 26.25*
*Visa and MasterCard international ATM withdrawal fee per transaction.
Late PaymentAED 236.25*
*Charitable donation undertaking per late payment instance.
Card ReplacementAED 52.5*
*Per request.
Sales VoucherAED 26.25*
*Per request.
Upgrade FeeAED 288.75
International Fee (non-AED)3.7%*
*3.70% of transaction amount.
International Fee (AED)3.14%*
*3.14% of transaction amount when settling in AED abroad.
Credit Shield Takaful0.94%*
*0.94% of outstanding balance per month.
Liability LetterAED 52.5*
*Per request.
Supplementary Card FeeFree*
*Free.
DIB Cheque PaymentFree*
*Free.
Other credit cards from this bank
DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
Salary: AED 15,000+
Annual Fee: AED 261.45
4% cashback on groceries, auto & education
4% cashback on bills
4% cashback on Salik & Nol
DUBAI ISLAMIC BANK
DIB Consumer Cashback Reward Credit Card
Salary: AED 5,000+
Annual Fee: AED 210
3% cashback on groceries, auto & education
3% cashback on bills
3% cashback on Salik & nol
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