Earn 10 Wala’a reward points for every AED 1 spent on dining. Maximum rewards are capped at 5,000 per month.
Earn 10 reward points for every AED 1 spent on travel bookings, including flights and hotels. Maximum rewards are capped at 10,000 per month.
Earn 2 reward points per AED 1 on international spends.
Earn 1.5 rewards per AED 1 on other domestic spends and AED 0.3 on EEA and select category spends like government payments, groceries, utilities, and more.
The Wala’a Rewards can be redeemed for travel, cashback, shopping, and others.
Cardholders redeem points to book flights and hotels, exchange for Etihad or Qatar Airways miles, pay bills, or convert them into statement credit.
Flights & Hotels: 20,000 Wala’a Rewards = AED 100 for bookings.
Cashback: 20,000 Wala’a Rewards = AED 80 as statement credit.
Shopping: Redeem for gift cards (min. 10,000 rewards).
Miles Exchange: 20,000 Wala’a Rewards = 1,000 Avios or Etihad Guest Miles.
Pay with Rewards: 20,000 Wala’a Rewards = AED 80 for purchases.
Bill Payments: 20,000 Wala’a Rewards = AED 100 for utility bills.

No annual fee for the 1st year and the fee for the subsequent years will be waived on meeting a minimum spend of AED 15,000 per year.
Welcome bonus-1 provides 50,000 Bonus Wala’a rewards worth up to AED 250 for new customers. Bonus applicable on a minimum spend of USD 5,000 within 90 days of card issuance.
Welcome bonus-2 provides a 20% cashback on transactions made via Dubai Now, Talabat, Noon, Deliveroo, and Amazon. A maximum cashback of AED 15 is available per merchant per card with a total cap of AED 270 per month.
Up to 5% cash back on dining and travel spends. Cash back will be credited as Wala’s reward points.
Free multi-trip travel insurance covers up to $100,000 for the cardholder, spouse, and up to 4 children for trips up to 90 days.
Avail up to 5 supplementary cards at no extra cost. Supplementary card purchases are also eligible for reward points.

Get 15% off on Zofeur services, including Personal Chauffeur, Vehicle Inspection , and Garage Pick-up & Drop-off.
One complimentary roadside assistance service per year with benefits like free international driving license, complimentary vehicle registration, vehicle servicing pick-up and drop-off, towing, fuel assistance, battery boost, flat tire fixing, lock-out service, off-road pull-out, and inter-emirate towing.
Complimentary Buyer’s Protection provides protection against theft or accidental damage on purchases made within 365 days from the purchase date.
With Balance Transfer Facility transfer outstanding balances from other bank credit cards. Up to 90% of the card limit or 100% of the available cash limit can be transferred.
Withdraw up to 90% of the available credit limit from anywhere in the word. Cardholders can instantly transfer funds from the card to their Dubai Islamic Bank account through online banking.

The 1st airport lounge visit each calendar year is free, while subsequent visits require a minimum foreign currency spend of $1 at least 15 days before the visit.
Multi-trip insurance provides coverage for personal accidents, emergency medical expenses, evacuation and repatriation, hospital cash, trip cancellation, flight delays, missed connections, baggage delays, and loss of personal belongings.
Use promo code ‘DIB15’ on the Zofeur app to avail the discount offer. Maximum discount of AED 15 per transaction, valid up to 4 times per month.
Balance transfer from the other card can be done in 1-3 business days and a 12-month repayment plan is also available. Minimum transfer amount: AED 1,000.

DIB SHAMS Platinum Covered Card