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 earn AED 15,000+ monthly and spend heavily on dining and travel.
Not ideal if
You mainly spend on groceries, utilities, or education with low earn rates.
Watch out for
4.85% FX markup can reduce value on foreign currency international transactions.
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 caps.
No annual fee for Sharia-compliant cardholders.
3 points per AED on international purchases and 2.5 on shopping.
Lounge access, airport transfers, and valet parking included.
Watch out for
Only 0.4 points per AED on groceries, utilities, and education.
AED 15,000 minimum salary requirement limits eligibility.
4.85% FX markup on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the DIB SHAMS Signature Islamic Credit Card?
No, this card has no annual fee, making it a cost-effective option for eligible cardholders.
What is the minimum salary to apply for this card?
You need a minimum monthly salary of AED 15,000 to be eligible for the DIB SHAMS Signature Islamic Credit Card.
How does the welcome bonus work?
New cardholders receive 100,000 Wala'a Rewards (worth up to AED 500) after 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 3 months, capped at AED 20 per merchant per month.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.4 points per AED, though this is lower than the 10 points per AED on dining and travel.
Can I use this card abroad?
Yes, you can use it internationally and earn 3 points per AED on international purchases. However, a 4.85% foreign exchange markup applies to transactions in foreign currencies.