CBD Al Islami Super Saver Signature vs DIB SHAMS Signature
CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. DIB SHAMS Signature: DIB Walaa with eligible dining spending. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 2,496.75 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
DIB SHAMS Signature assumptions
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
No annual fee in year 1. Subsequent fees are waived after AED 30,000 annual spend.
SHAMS statement cashback uses 20,000 Walaa points = AED 80, so 10 points/AED is 4% cash value (not the advertised 5% travel/bill value). Dining point caps and reduced merchant rates are applied; travel boosts and selected-merchant welcome cashback are excluded.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
DIB SHAMS SignatureOngoing net / year: AED -165.39
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 393.39 a year on this AED 3,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
DIB SHAMS SignatureOngoing net / year: AED 383.25
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 2,496.75 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
DIB SHAMS SignatureOngoing net / year: AED 654.45
CBD Al Islami Super Saver Signature has the higher ongoing modelled value by AED 125.55 a year on this AED 10,000 monthly budget. This is an estimate using the stated redemption assumptions, not a personal recommendation or guaranteed saving.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
CBD Al Islami Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
Cinema: No current offer verified.
This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
DIB SHAMS Signature: benefit conditions and official sources
Perks and exclusions
Lounges: 8 visits a year through Visa Airport Companion. After the first visit, USD 1 equivalent foreign spend at a merchant outside the UAE must be made at least 15 days before travel.
Cinema: No current offer verified.
Dining rewards are capped at AED 50 equivalent a month; travel rewards at AED 75. Rewards are paid as Walaa points, not automatic statement cashback.
The fee waiver depends on annual spending; this is not an unconditional free-for-life card.
The official product page does not publish a minimum salary.
Premium services require AED 5,000 retail spend in the calendar month. Excess use or failure to meet the threshold can cause charges.
Cash forecast uses the SHAMS-only statement-credit rate of AED 0.004 per Walaa point; minimum redemption is 20,000 points. Flights/hotels/bill payments can instead redeem at AED 0.005 per point.
The advertised 5% back on dining means restricted travel/bill value. At statement cashback value it is 4%, capped at 40 AED per month for this tier.
Utility/government bills through DIB channels, charity and cash equivalents earn no rewards.
