SHAMS Infinite Covered Card
IslamicNo salary transfer needed
First year free; from year 2 waived on annual spend of AED 60,000, else AED 733.95 incl. VAT
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 733.95
- Fee note
- First year free; from year 2 waived on annual spend of AED 60,000, else AED 733.95 incl. VAT
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- –Not published in the catalogue yet; it is not zero.
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Welcome bonus up to 200,000 Wala'a Rewards (worth up to AED 1,000) on USD 15,000 spend within 90 days, for new-to-card customers (cards issued 01 Jul - 31 Dec 2026)
- 20% cashback at Dubai Now, Talabat, Noon, Deliveroo, Amazon for first 3 months (max AED 25/merchant/month, AED 150/month total)
- 5% back on dining: 10 Wala'a Rewards per AED 1, max 20,000 rewards/month
- 5% back on travel (flights/hotels): 10 Wala'a Rewards per AED 1, max 20,000 rewards/month
- 4 Wala'a Rewards per AED 1 on international spends; 3.5 on domestic spends; 0.6 on government, groceries, utilities, fuel and EEA
- Complimentary access to 1,200+ airport lounges 12 times per year with a guest (USD 1 foreign spend condition after first visit)
- 4 complimentary airport transfers per annum and 4 valet parking services per month
- 4 complimentary golf rounds per month at 6 UAE courses; Fitness First access 31 per month
- Buy One Get One on beverages at Costa Coffee (unlimited)
- Travel & medical cover up to US$500,000
- Complimentary benefits subject to minimum retail spend of AED 8,000 per calendar month
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.