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DIB SHAMS Platinum Covered Card

Dubai Islamic BankPlatinumIslamic

The annual fee for DIB SHAMS Platinum Covered Card is AED 208.95, including 5% VAT. Fee waived for subsequent years on a minimum annual spend of AED 15,000. The bank does not publish a minimum salary for this card on its website. Ask the bank before you apply.

Go to the bank's page
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.
Annual feeAED 208.95incl. VAT · First year free
Min. salaryNot published
Monthly profit rate3.69%44.28% a year
Foreign fee3.7%

Rewards

  • 10 Wala'a rewards per AED 1 on dining and travelDining and travel (flights/hotels) 10 per AED 1; international 2; domestic 1.5; government/supermarkets/utilities etc. 0.3Cap: Dining 5,000/month; travel 10,000/month (Wala'a)
  • 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, Talabat (first 3 months)Introductory offerCap: AED 15 per merchant per month

Benefits the bank lists

  • Complimentary travel coverage up to US$100,000
  • Buyers protection against theft/damage for 365 days

Questions people ask

What is the annual fee for the DIB SHAMS Platinum Covered Card?

The annual fee for DIB SHAMS Platinum Covered Card is AED 208.95, including 5% VAT. Fee waived for subsequent years on a minimum annual spend of AED 15,000.

What salary do I need for the DIB SHAMS Platinum Covered Card?

The bank does not publish a minimum salary for this card on its website. Ask the bank before you apply.

What is the profit rate on the DIB SHAMS Platinum Covered Card?

The profit rate on purchases is 3.69% a month, which is 44.28% a year.

Does the DIB SHAMS Platinum Covered Card charge a foreign transaction fee?

Purchases in a foreign currency carry a fee of 3.7% of the amount.

Fee conditions

Fee waived for subsequent years on a minimum annual spend of AED 15,000

Sources

Where a bank does not publish a figure, we leave it blank instead of guessing.

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