DIB SHAMS Infinite Credit Card
Earn 5% cashback on dining and travel, with complimentary Fitness First access, unlimited airport lounge visits, and golf.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 20,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. DIB SHAMS Infinite Credit Card expects AED 20,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Rewards
5%
cashback on dining and travel bookings
5% Wala'a rewards on dining and travel. Monthly cap: 20,000 points per category (≈ AED 100 equivalent per month).
See full breakdown1%
cashback on all other spends
1% cashback on all other eligible retail transactions.
See full breakdownRewards Calculator
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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 breakdownEligibility
21
Minimum Age
20,000AED
Minimum Income
Fees
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
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