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SHAMS Signature
Points card earning Wala'a Rewards. Strongest on dining at 10 pts (≈5%).
Reward rates by category
| Category | Rate | Notes from the bank’s terms |
|---|---|---|
| Dining | 10 pts (≈5%) | 5% dining | 10 Wala'a pts/AED dining | Min AED 5k/mo for complimentary services |
| Groceries | 0.4 pts (≈0.2%) | |
| Fuel | 0.4 pts (≈0.2%) | 1% reduced fuel |
| Travel | 10 pts (≈5%) | |
| Online shopping | 2.5 pts (≈1.25%) | |
| Cinema | 2.5 pts (≈1.25%) | Complimentary movie offers |
| International spend | 3 pts (≈1.5%) |
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately.
Benefits
- Up to 100,000 bonus Wala'a rewards (introductory offer)
- Free in year 1; waived after that if you spend AED 30,000 a year
- Airport lounge access (spend criteria apply, else US$ 32 a visit)
- Free airport transfers
- Valet parking
From Dubai Islamic Bank’s website, checked October 2026. Welcome offers and perks change often.
Last checked against the bank’s terms on 28 Aug 2026. Rates, fees and eligibility change often. Always confirm on Dubai Islamic Bank’s own page before applying. Spotted something wrong? Tell us.
Other points cards for dining
Ajman Bank · No fee7%2SHAMS Infinite
Dubai Islamic Bank · AED 2,00010 pts (≈5%)3SHAMS Platinum
Dubai Islamic Bank · AED 52510 pts (≈5%)4SHARE Visa Private
Emirates NBD · AED 1,5752%
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