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. You also need to be at least 21 years old and a UAE resident to be eligible.

New-to-card customers approved by 31 December 2026 can earn 200,000 Wala'a Rewards by spending USD 15,000 within the first 90 days. Those points are worth AED 1,000 when redeemed at the card's travel, hotel and bill-payment redemption rate.

For the first three calendar months after approval, you earn 20% cashback on eligible transactions at five online merchants: Amazon, Deliveroo, Dubai Now, noon and Talabat. The cashback is capped at AED 25 per merchant and AED 150 per month during that period.

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.

Fitness First gym access, the 4 airport transfers per year, 4 valet parking sessions per month, 4 golf rounds per month at 6 UAE courses, and Costa Coffee buy-one-get-one beverages all require a minimum AED 8,000 monthly spend on the card. The 12 airport lounge visits per year (plus one guest each visit) work differently: you register in Visa Airport Companion, and after your first annual visit you need a qualifying foreign-currency transaction at least 15 days before your next access.