DIB SHAMS Signature Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 10 points per AED on dining and travel.
Free
Up to 10 pts/AED
AED 15,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on dining and travel and earn at least AED 15,000 monthly.
Not ideal if
You spend mostly on groceries, utilities, or education with low dining and travel.
Watch out for
AED 30,000 annual spend required to waive the fee, or you pay the cost.
Calculate This Card’s Value
Earning Rates
10 pts/AED
10 pts/AED
0.4 pts/AED
0.4 pts/AED
2.5 pts/AED
0.4 pts/AED
3 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
10 points per AED on dining and travel with no cap.
No annual fee if you spend AED 30,000 per year.
100,000 Wala'a Rewards welcome bonus worth up to AED 500.
Sharia-compliant with lounge access, airport transfer, and valet parking perks.
Watch out for
Requires AED 15,000 minimum monthly salary to qualify.
Only 0.4 points per AED on groceries, utilities, and education.
4.85% FX markup on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
There is no annual fee if you spend AED 30,000 or more per year. If you fall short, you will pay the fee, so track your spending to ensure you meet the threshold.
How does the welcome bonus work?
New cardholders earn 100,000 Wala'a Rewards (worth up to AED 500) by spending USD 10,000 within 90 days of card issuance. You also get 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, and Talabat during the first three months, capped at AED 20 per merchant per month (total AED 120 per month).
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to qualify for this card.
Can I use this card abroad?
Yes, you can use it internationally and earn 3 points per AED on foreign spend. However, a 4.85% FX markup applies to all foreign currency transactions.
Does this card earn on school or university fees?
Yes, education spend earns 0.4 points per AED, the same rate as groceries and utilities.