The DIB SHAMS Infinite Credit Card stands out in the crowded market of premium credit cards by offering a diverse range of benefits tailored to enhance your lifestyle. From generous rewards on dining and travel to complimentary airport services and exclusive leisure activities, this card promises to deliver exceptional value and convenience.
Unmatched Rewards on Dining and Travel
One of the standout features of the DIB SHAMS Infinite Credit Card is its impressive cashback on dining and travel expenses. Cardholders can enjoy:
- 5% Cashback on Dining: Earn 5% back every time you eat at a cafe, restaurant, or fast-food place. That’s 10 Wala’a rewards for every AED 1 spent, up to 20,000 rewards per month. It’s a great deal if you love eating out a lot.
- 5% Cashback on Travel: Whether you’re booking flights or hotels, the card offers 5% cashback, equating to 10 Wala’a rewards per AED 1 spent, capped at 20,000 rewards per month. This makes it awesome for people who travel a lot.
Attractive Introductory Offers
For new cardholders, the DIB SHAMS Infinite Credit Card comes with lucrative introductory offers:
- Welcome Bonus: Earn up to 200,000 Bonus Wala’a rewards (worth up to AED 1,000) by spending USD 15,000 within the first 90 days of card issuance. This substantial welcome bonus is a great incentive to start using the card immediately.
- 20% Cashback on Select Merchants: Enjoy a generous 20% cashback on purchases made at popular merchants like Amazon, Deliveroo, Dubai Now, Noon, and Talabat for the first three months. The maximum cashback per merchant per month is AED 25, totaling up to AED 450 during the offer period.
Comprehensive Rewards Program
You earn Wala’a rewards on a wide variety of spending categories:
| Spend Category | Wala’a Rewards (Per AED 1) |
|---|---|
| Dining | 10 |
| Travel | 10 |
| International Spends (Non-AED) | 4 |
| European Economic Area (EEA) | 0.6 |
| Domestic Spends (AED) | 3.5 |
| Utilities, Groceries, Education | 0.6 |
This is a balance between both everyday purchases and special purchases.
Premium Perks and Services
The DIB SHAMS Infinite Credit Card gives you lots of special perks to make your leisure easier to pay for.
- Complimentary Rounds of Golf: Enjoy up to four complimentary rounds per month at premier golf courses across the UAE.
- Fitness First Access: Get complimentary access to Fitness First Platinum and Titanium Clubs, helping you stay fit and active.
- Valet Parking: Avail up to four complimentary valet parking services per month at key locations across the UAE.
- Buy-One-Get-One at Costa Coffee: Savor your favorite beverages with a buy-one-get-one offer at Costa Coffee outlets.
- Complimentary Airport Transfers: Enjoy four complimentary airport transfers per annum from Abu Dhabi, Dubai, and Sharjah.
- Airport Lounge Access: Access over 1,000 airport lounges worldwide up to 12 times per year with a guest, provided certain spending criteria are met.
Additional Benefits
The card also provides:
- Travel and Medical Insurance: When you use your card to book trips you will be covered for up to $500,000.
- Roadside Assistance: Up to three complimentary roadside assistance services per year.
- Balance Transfer Facility: Simplify your finances with easy balance transfers from other credit cards.
Pros and Cons of the DIB SHAMS Infinite Credit Card
Pros:
- Generous Rewards on Dining and Travel: Earn 5% cashback on dining and travel expenses.
- Attractive Introductory Offers: Up to 200,000 Bonus Wala’a rewards and 20% cashback on select merchants for new cardholders.
- Wide Range of Rewards Categories: Earn Wala’a rewards on various spending categories, including international and domestic purchases.
- Premium Perks and Services: Complimentary rounds of golf, Fitness First access, valet parking, buy-one-get-one at Costa Coffee, and airport transfers.
- Extensive Airport Lounge Access: Access over 1,000 airport lounges worldwide up to 12 times per year with a guest.
- Complimentary Travel and Medical Coverage: Up to USD 500,000 coverage on trips booked with the card.
- Roadside Assistance: Up to three complimentary roadside assistance services per year.
Cons:
- High Spending Requirement for Annual Fee Waiver: Minimum annual spend of AED 60,000 required to waive the annual fee.
- Limited Cashback on Select Merchants: 20% cashback offer is capped at AED 25 per merchant per month.
- Spend Criteria for Lounge Access: Subsequent lounge visits require foreign currency spend of USD 1 or equivalent within 15 days prior to the visit.
- Monthly Spend Requirement for Complimentary Services: Minimum monthly spend of AED 8,000 required to maintain complimentary benefits.
- Limited Reward Rate on Utilities and Government Payments: Lower reward rate of 0.6 Wala’a rewards per AED 1 spent on utilities, government, and similar categories.
Comparison of DIB SHAMS Infinite Credit Card with Similar Rival Cards in the UAE
| Feature/Benefit | DIB SHAMS Infinite Credit Card | Emirates NBD Skywards Infinite Card | ADCB TouchPoints Infinite Card | FAB Elite Infinite Card |
|---|---|---|---|---|
| Annual Fee | AED 0 (if spending AED 60,000/year) | AED 2,500 (waived on high spend) | AED 2,625 (waived on high spend) | AED 3,000 (waived on high spend) |
| Welcome Bonus | Up to 200,000 Wala’a rewards | 50,000 Skywards Miles | 200,000 TouchPoints | 150,000 FAB Rewards |
| Dining Rewards | 5% cashback (10 Wala’a rewards/AED 1) | 1 Skywards Mile/AED 4 | 1 TouchPoint/AED 1 | 2 FAB Rewards/AED 1 |
| Travel Rewards | 5% cashback (10 Wala’a rewards/AED 1) | 1 Skywards Mile/AED 4 | 3.75 TouchPoints/AED 1 | 2 FAB Rewards/AED 1 |
| Introductory Offers | 20% cashback on select merchants | 50,000 Skywards Miles | 200,000 TouchPoints | 150,000 FAB Rewards |
| Airport Lounge Access | 12 visits/year with guest | Unlimited access | 10 visits/year | Unlimited access |
| Golf Benefits | 4 rounds/month at 7 courses | 2 rounds/month | 1 round/month | 2 rounds/month |
| Fitness Club Access | Complimentary Fitness First access | N/A | N/A | N/A |
| Valet Parking | 4 times/month | 4 times/month | 2 times/month | 4 times/month |
| Airport Transfers | 4 transfers/year | N/A | 4 transfers/year | N/A |
| Rewards Rate on Domestic Spends | 3.5 Wala’a rewards/AED 1 | 1 Skywards Mile/AED 4 | 1 TouchPoint/AED 1 | 1 FAB Reward/AED 1 |
| Rewards Rate on International Spends | 4 Wala’a rewards/AED 1 | 1 Skywards Mile/AED 4 | 3.75 TouchPoints/AED 1 | 2 FAB Rewards/AED 1 |
| Complimentary Roadside Assistance | 3 times/year | N/A | N/A | N/A |
| Complimentary Travel Coverage | Up to USD 500,000 | Up to USD 500,000 | Up to USD 500,000 | Up to USD 500,000 |
| Balance Transfer Facility | Yes | Yes | Yes | Yes |
This comparison shows the main features and benefits of the DIB SHAMS Infinite Credit Card compared to some other top cards in the UAE. Each card has its own perks, so you can pick the one that fits your spending habits and lifestyle best.
Final Thoughts
The DIB SHAMS Infinite Credit Card is a great pick for anyone wanting a premium card with lots of rewards and perks. You get awesome cashback on dining and travel, cool welcome offers, and tons of lifestyle benefits. Whether you travel a lot, love eating out, or enjoy exclusive services, this card has you covered.