- Annual fee
- Free year 1
- Minimum monthly salary
- Not published
- Welcome bonus
- 50,000 Wala'a rewards (worth up to AED 250) when you spend AED 18,362 within 90 days; 20% back on Amazon, Noon, Talabat, Deliveroo for 3 months (automatic in the first 3 months).
First year free. Waived after that with AED 15,000 annual spend.
Our take
The entry SHAMS card with 5% back on dining and travel.
Good for
Entry earners who want dining rewards.
Watch out for
Low monthly caps.
Written by the MoneyVS team from Dubai Islamic Bank's published terms. Not personal advice.
What you need
| Minimum salary | Not published by the bank |
|---|---|
| Annual fee waived | Spend AED 15,000 a yearAbout AED 1,250 a month |
| Welcome bonus | 50,000 Wala'a rewards (worth up to AED 250)Spend AED 18,362 within 90 days (about AED 6,121 a month) |
| Welcome bonus | 20% back on Amazon, Noon, Talabat, Deliveroo for 3 monthsAutomatic in the first 3 months |
Taken from Dubai Islamic Bank's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
What you earn
- 5% back on dining (max 5,000 Wala'a a month)
- 5% back on flights and hotels (max 10,000 Wala'a a month)
- Convert to Etihad Guest Miles or Avios, or use as cashback
- 20,000 Wala'a rewards = AED 100
Included benefits
- Roadside assistance
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
DIB SHAMS Platinum: common questions
What salary do I need for the DIB SHAMS Platinum?
Dubai Islamic Bank doesn't publish a minimum salary for this card. Check with the bank before you apply.
Does the DIB SHAMS Platinum have an annual fee?
Dubai Islamic Bank doesn't publish the annual fee on its product page, but the first year is free. Check the bank's schedule of charges.
How do I get the DIB SHAMS Platinum welcome bonus?
50,000 Wala'a rewards (worth up to AED 250): spend AED 18,362 within 90 days. 20% back on Amazon, Noon, Talabat, Deliveroo for 3 months: automatic in the first 3 months.
Is the DIB SHAMS Platinum Islamic?
Yes. It is a Shariah-compliant (covered) card.
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