Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Dubai Islamic Bank SHAMS Signature Credit Card

Dubai Islamic Bank Bank

SHAMS Signature Credit Card

Dubai Islamic Bank SHAMS Signature Credit Card
Profit Rate

3.69%

Fx Rate

3.7%

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

Yes

Dubai Islamic Bank SHAMS Signature Credit Card
interest rate

3.69%

Profit Rate

fx rate

3.7%

Fx Rate

annual fee

AED 0

Annual Fee

bal transfer

Yes

Balance Transfer

cashback

Yes

Cashback

View details on bank page

Features

  • You can get up to 100,000 bonus Wala’a rewards which is worth up to AED 500 and this is available for new customers only where the spending category is USD 10,000 which should be within 90 days of card issuance.
  • You can get 20% cashback on Talabat, Deliveroo, Amazon, Dubai Now, Noon and much more. The maximum cashback is AED 20 per merchant. This offer is valid for the first 3 months. The total cashback for the dining is AED 360
  • Earn rewards on every food item that you purchase. Enjoy a discount of 5% on dining with a SHAMS card. You can earn 10 Wala’a rewards for each AED 1 spent on dining. You can earn a maximum of 10,000 Wala’a rewards per month, the value that is credited is Wala’a rewards.
  • Get rewarded for traveling where you can enjoy 5% cash back on your travel while booking flights/hotels with your SHAMS card
  • For every AED 1 spent on travel you can earn 10 Wala’a rewards. The maximum reward is 15,000 per month, the value that is credited is Wala’a rewards.
  • For every AED 1 spent, you can earn 10 Wala’a rewards on Dining (Cafes, restaurants, fast food joints etc)
  • For every AED 1 spent, you can earn 10 Wala’a rewards on spending at Travel (Flight/ Hotel Bookings)
  • For every AED 1 spent, you can earn 3 Wala’a rewards on spending at International Spends (Non AED)
  • For every AED 1 spent, you can earn 0.4 Wala’a rewards on spending at European Economic Area (EEA) Spend
  • For every AED 1 spent, you can earn 2.5 Wala’a rewards on spending at Domestic Spends (AED)
  • For every AED 1 spent, you can earn 0.4 Wala’a rewards on spending at the government, supermarkets/groceries, utilities, insurance, automobiles, education, fuel, real estate, telecom and much more. Wala’a Rewards are not earned on Govt bills & Utility transactions made through DIB platforms.
  • There are a Bounty of ways to redeem Wala’a rewards by booking airline tickets, shopping, bill payments, reward exchange and much more
  • Get 2 free valet parking per month at 20 key locations across the country
  • Get 2 free airport transfers per annum from Dubai, Abu Dhabi and Sharjah
  • Get 8 times airport lounge access per year across 1000 airport lounges. Get free 1st visit to airport lounge access other terms and conditions apply.
  • Get 15% off on Zofeur services and it can be availed through Zofeur app on Vehicle inspection, Personal Chauufeur, Garage pick up and drop off. Use DIB15 promo code to get the offer. Offer is valid till 31/12/2024. Terms and conditions apply
  • Get 2 times Complimentary Roadside assistance in a year. With an upgrade fee an additional roadside assistance will be provided.
  • Get travel & medical cover up to US$500,000 on your trips when you book tickets using SHAMS credit card.
  • With a Balance transfer facility you can clear outstanding balance on other credit cards and save money on extra charges. Terms and conditions apply

Main Benefits

  • Free for Life Credit Card
  • Complimentary airport transfers
  • Complimentary Valet parking
  • Complimentary airport Lounge access
  • Get the power of many with 5% cashback on dining and travel, valet parking, lounge access, airport transfers and much more.

Frequently Asked Questions

Q. Is this a free for life credit card?

A. This is a free for life credit card.

Q. Is airport transfer available on DIB SHAMS Signature Credit card?

A. Get 2 free airport transfers per annum from Dubai, Abu Dhabi and Sharjah

Q. Are there any travel benefits?

A. Get rewarded for traveling where you can enjoy 5% cash back on your travel while booking flights/hotels with your SHAMS card. Also get travel & medical cover up to US$500,000 on your trips

Q. Is valet parking available?

A. Yes, there is valet parking available

Q. Is airport transfer available?

A. Yes you can get 2 free airport transfers per annum from Dubai, Abu Dhabi and Sharjah

   Get in touch with Dubai Islamic Bank Customer Care

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