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Dubai Islamic Bank
SHAMS Infinite Covered Card
Min. salary
AED 20,000
Annual fee
AED 733.95
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Waived when annual spend >= AED 60,000
01Fees & rates
What it costs.
- Annual fee
- AED 733.95
- Fee note
- Waived when annual spend >= AED 60,000
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 20,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Earn a 200,000 bonus Wala’a Rewards
- Up to 20% cashback on Amazon, Dubai Now, Deliveroo, Noon and Talabat
- Earn 10 Wala’a rewards on each AED 1 spent on dining and travel expenses
- 4 valet parking services across 20 UAE locations
- 4 rounds of golf every month across 7 UAE golf courses
- 1200+ airport lounge access in a year
- 4 rounds of golf every month across 7 UAE golf courses
- Travel coverage of up to US $ 500,000
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.