DIB SHAMS Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by DIB earning up to 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 AED 10,000 monthly with focus on dining, travel, and shopping.
Not ideal if
You earn below AED 25,000 salary or prefer cashback over points.
Watch out for
Annual fee waiver requires AED 60,000 spend per year, AED 5,000 annually.
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
Earns 10 points/AED on dining and travel with no caps.
No annual fee if you spend AED 60,000 per year.
Sharia-compliant structure with strong premium perks including lounge access and golf.
Welcome bonus worth up to AED 1,000 plus 20% cashback on select merchants.
Watch out for
Minimum salary requirement of AED 20,000 limits accessibility.
4.85% foreign exchange markup reduces value on international transactions.
Welcome bonus requires USD 15,000 spend within 90 days, a high threshold.
Fees & Conditions
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Frequently Asked Questions
Is the DIB SHAMS Infinite Islamic Credit Card annual fee worth it?
The card has no annual fee if you spend AED 60,000 per year, which is AED 5,000 monthly. If you meet this threshold and use the dining and travel earn rates of 10 points/AED, the card delivers strong value.
What is the minimum salary to qualify for this card?
You need a minimum salary of AED 20,000 to be eligible for the DIB SHAMS Infinite Islamic Credit Card.
How does the welcome bonus work?
New cardholders can earn up to 200,000 Wala'a points, worth up to AED 1,000, by spending USD 15,000 within 90 days. Additionally, you receive 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, and Talabat, capped at AED 25 per merchant monthly and AED 150 total per month for the first three months.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.6 points per AED with no cap, covering school and university fees.
Can I use this card abroad without high fees?
The card earns 4 points/AED on international transactions, but the 4.85% foreign exchange markup is higher than many competitors. Factor this cost into your calculations if you spend frequently abroad.