Prime Infinite suits someone who wants an Islamic card with no annual membership fee and can use Walaa for bills or travel. SHAMS Infinite adds a statement-credit redemption route and different dining benefits, with a conditional renewal-fee waiver.
SHAMS dining headline value and cash value are different amounts.
Prime has a published salary floor; SHAMS needs salary confirmation and its renewal waiver depends on annual spend.
What will the fees and rewards mean in AED?
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.
Compare
DIB Prime Infinite Card
DIB SHAMS Infinite
Minimum monthly salary
AED 20,000
Unconfirmed — ask bank
Modelled fees · first year
AED 0
AED 0
Modelled fees · ongoing year
AED 0
AED 0
Estimated first-year net
AED 807
AED 1,324.8
Estimated ongoing net / year
AED 807
AED 1,324.8
Reward redemption model
Restricted points or miles value
Cash / statement redemption model
Bank FX charge
3.7%; scheme charges may apply
3.7%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
DIB SHAMS Infinite has the higher ongoing modelled value by AED 517.8 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 2026-10-24; 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.
Value uses verified restricted bill-payment redemption: 20,000 Walaa points = AED 100. Prime does not offer SHAMS statement cashback. Eligible general retail only; reduced MCCs and EU exclusions apply.
DIB SHAMS Infinite 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.
Renewal waiver assumes at least AED 60,000 qualifying spend in the preceding card year.
No annual fee in year 1. Subsequent fees are waived after AED 60,000 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
DIB Prime Infinite CardOngoing net / year: AED 237.6
DIB SHAMS InfiniteOngoing net / year: AED -324.51
DIB Prime Infinite Card has the higher ongoing modelled value by AED 562.11 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.
DIB Prime Infinite CardOngoing net / year: AED 807
DIB SHAMS InfiniteOngoing net / year: AED 1,324.8
DIB SHAMS Infinite has the higher ongoing modelled value by AED 517.8 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.
DIB Prime Infinite CardOngoing net / year: AED 1,539
DIB SHAMS InfiniteOngoing net / year: AED 1,917.6
DIB SHAMS Infinite has the higher ongoing modelled value by AED 378.6 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.
DIB Prime Infinite Card: benefit conditions and official sources
Perks and exclusions
Lounges: 12 annual lounge visits with one guest via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.
Cinema: No current offer verified.
Valet: Two monthly visits at selected locations; AED 8,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.
Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.
Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.
Eligible local general retail earns 3 Walaa points/AED; eligible non-AED general retail earns 3.5. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.
EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.
Walaa bill-payment, flight and hotel redemptions are published at AED 100 per 20,000 points. This is restricted redemption value, not withdrawable cash. Prime is excluded from the SHAMS-only statement cashback option.
Bank-channel utility and government payments earn no points. The estimate assumes eligible direct-merchant utility payments.
DIB SHAMS Infinite: benefit conditions and official sources
Perks and exclusions
Lounges: 12 visits a year with a guest 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 100 equivalent a month; travel rewards at AED 100. Rewards are paid as Walaa points, not automatic statement cashback.
The renewal fee is waived after AED 60,000 qualifying annual spend; the first-year waiver is separate.
The official product page does not publish a minimum salary.
Premium services require AED 8,000 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 80 AED per month for this tier.
Utility/government bills through DIB channels, charity and cash equivalents earn no rewards.
