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DIB SHAMS Signature Covered Card

Dubai Islamic BankSignatureIslamic

The annual fee for DIB SHAMS Signature Covered Card is AED 523.95, including 5% VAT. Fee waived for subsequent years on a minimum annual spend of AED 30,000. 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 523.95incl. 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 10 per AED 1; international (non-AED) 3; domestic (AED) 2.5; government/supermarkets/utilities/fuel etc. 0.4Cap: Dining 10,000/month; travel 15,000/month (Wala'a)

Benefits the bank lists

  • Complimentary access to over 1,200 airport lounges 8 times per year
  • 2 complimentary valet parking services per month at 18 key locations
  • 2 intra-emirate or inter-emirate airport transfers
  • Complimentary travel insurance up to US$500,000
  • Complimentary buyers protection (365 days)

Questions people ask

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

The annual fee for DIB SHAMS Signature Covered Card is AED 523.95, including 5% VAT. Fee waived for subsequent years on a minimum annual spend of AED 30,000.

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

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

Does the DIB SHAMS Signature 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 30,000

Sources

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

Other cards from Dubai Islamic Bank

Prime Classic CardDubai Islamic Bank · Islamic
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Monthly rate3.69%
Foreign fee3.7%
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Foreign fee3.7%
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Prime Infinite CardDubai Islamic Bank · Islamic
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Monthly rate3.69%
Foreign fee3.7%
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Prime Platinum CardDubai Islamic Bank · Islamic
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Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
2.0 Wala'a per AED 1; 2.2 on foreign currency spends
Prime Signature CardDubai Islamic Bank · Islamic
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Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee3.7%
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DIB SHAMS Platinum Covered CardDubai Islamic Bank · Islamic
Annual feeAED 208.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee3.7%
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Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
3% cashback on supermarkets, school fees, fuel, utilities, telecom, auto servicing, Salik/Nol
Consumer Cashback Platinum CardDubai Islamic Bank · Islamic
Annual feeAED 261.45incl. VAT
Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee3.7%
4% cashback on supermarkets, school fees, fuel, utilities, telecom, auto servicing, Salik/Nol
DIB SHAMS Infinite Covered CardDubai Islamic Bank · Islamic
Annual feeAED 733.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee3.7%
10 Wala'a rewards per AED 1 on dining and travel