DIB SHAMS Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 10 points/AED on dining and travel.
Free
Up to 10 pts/AED
AED 5,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on dining and travel and want Sharia-compliant rewards.
Not ideal if
Most of your spending is on utilities or education with low earning rates.
Watch out for
Dining rewards capped at AED 5,000 monthly and travel at AED 10,000 monthly.
Calculate This Card’s Value
Earning Rates
10 pts/AED
Cap: Up to AED 5,000/mo
10 pts/AED
Cap: Up to AED 10,000/mo
2 pts/AED
1.5 pts/AED
0.3 pts/AED
0.3 pts/AED
Key Strengths and Weaknesses
Strengths
Earns 10 points per AED on dining and travel, strong for frequent users.
No annual fee if you spend AED 15,000 or more per year.
50,000-point welcome bonus for spending USD 5,000 within 90 days.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
Dining rewards capped at AED 5,000 monthly, travel at AED 10,000 monthly.
Utilities and education earn only 0.3 points per AED, very low.
4.85% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the DIB SHAMS Platinum Islamic Credit Card?
The card has no annual fee if you spend at least AED 15,000 per year. If you do not meet this threshold, a fee may apply.
How many points do I earn on dining and travel?
You earn 10 points per AED on dining (up to AED 5,000 monthly) and 10 points per AED on travel (up to AED 10,000 monthly). Spending beyond these caps earns the baseline rate.
What is the welcome bonus and how do I qualify?
New cardholders can earn 50,000 points by spending USD 5,000 within 90 days of card issuance. The bonus is awarded within 45 days of meeting the spend requirement, and the offer applies to cards issued by 30 June 2026.
Does this card earn rewards on school or university fees?
Yes, but the earn rate is low at 0.3 points per AED for education spending. Dining and travel offer much stronger earning potential.
Can I use this card abroad?
Yes, you can use the card internationally and earn 2 points per AED on international purchases. However, a 4.85% foreign exchange markup applies to all foreign currency transactions.