DIB SHAMS Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning 10 points/AED on dining and travel with no annual fee.
Free
Up to 10 pts/AED
AED 20,000
4.85%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend around AED 10,000 monthly with focus on dining and travel.
Not ideal if
You prefer cashback or spend mostly on groceries, utilities, and education.
Watch out for
AED 60,000 annual spend required to waive the fee, plus 4.85% FX markup.
Calculate This Card’s Value
Earning Rates
10 pts/AED
10 pts/AED
0.6 pts/AED
0.6 pts/AED
0.6 pts/AED
3.5 pts/AED
4 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
10 points/AED on dining and travel with no caps.
No annual fee if you spend AED 60,000 per year.
Premium perks include lounge access, airport transfers, and valet parking.
Sharia-compliant structure for Islamic banking customers.
Watch out for
Only 0.6 points/AED on groceries, utilities, and education.
4.85% foreign exchange markup on international transactions.
AED 20,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee waived on the DIB SHAMS Infinite Islamic Credit Card?
Yes, the annual fee is waived if you spend at least AED 60,000 per year, which averages AED 5,000 monthly.
How many points do I earn on dining and travel?
You earn 10 points per AED spent on dining and travel with no monthly or annual caps.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.6 points per AED, the same rate as groceries and utilities.
What is the foreign exchange markup on this card?
The FX markup is 4.85%, which is higher than many competitors, so consider this cost for international purchases.
What is the welcome bonus for new cardholders?
New customers can earn up to 200,000 bonus points (worth up to AED 1,000) by spending USD 15,000 in the first 90 days. You also get 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, and Talabat, capped at AED 25 per merchant monthly (AED 150 total) for the first three months.