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Cashback Card

Cashback has never been more rewarding!

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Cashback features and benefits

Warning: If only the minimum repayment/payment is made each period, you will pay more in profit/fees and it will take longer to pay off your outstanding balance.

Cashback Card
CategoryCashback RateMonthly Cap
Online purchases, saved cards on websites and apps payments, Samsung Wallet and Apple Pay (excluding utility ,telecom, government, supermarket, hypermarket, & education payments; whether made inside or outside the UAE,)
10%AED 300
International Retail Spends (spends made outside UAE in foreign currency)
2%No Cap
Domestic Retail spends (spends made in UAE)
1%No Cap
Utility ,telecom, government, supermarket, hypermarket, & education payments (whether made inside or outside UAE)
0.5%No Cap

Cashback Card Monthly Spend Example
Transaction DescriptionMonthly SpendsCashback RateCashback Points*/AED
Daily lunch/dinner from Deliveroo. Talabat2,00010%200
Shopping with Apple Pay/ Samsung Wallet (4 times/month)1,00010%100
Utilities & Phone bill payments (Salik/DEWA/Du/Etisalat)2,0000.5%10
Mall Shopping2,0001%20
Any shopping payment made over payment machines outside UAE2,0002%40
Total Monthly Spends (AED)9,000 370

Transfer your outstanding card balance from other banks and repay in installments

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Convert your purchases and pay in easy installments for up to 12 months

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Need urgent cash? Get "Easy Cash"

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Add-ons and bonus features

VIP lounge access in 


 key airports cross the Middle East

Explore Unlimited & Complimentary 


Convenient utility
bill payments with SIB Digital App

Enjoy convenience and total peace of mind

Your Cashback Mastercard is equipped with a wide range of exclusive features. These are specificallly designed to allow you to get down to the business of enjoying your card's many benefits – anytime, anywhere.

Balance transfer
24-hour call center
Easy Cash
Mastercard Offers
Easy Pay
SMS alerts
Worldwide Access

Required Documents

    Salaried Customers:

    • Application form
    • Passport & Emirates ID copy
    • Valid residence visa for expats
    • Proof of income
    • Salary slip

    Self Employed Customers:

    • Application form
    • Passport & Emirates ID copy
    • Proof of income
    • Valid trade license
    • Memorandum of association/Partnership agreement/ Power of attorney (if applicable)

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Sign up by filling out an online application.

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Frequently asked questions

Do I need to register to receive the cashback points?

No, you are automatically enrolled in Cashback program once you activate the card.

All transactions made online or via wallets (Apple Pay or Samsung Wallet) whether domestically or internationally shall earn 10%* Cashback except utilities, telecom, supermarket and education.

*up to AED 300 per month

Cashback is calculated once the statement is generated. You can redeem the points earned on the previous statements if total points is equivalent to or greater than AED 100. Redemption can be done through Online & Mobile Banking “SIB Digital” or by calling 065999999.

No, you earn points on every purchase transaction.

Cashback points will not be considered as card payment, it will be credited against the outstanding balance, therefore, it will not offset the minimum payment that you’re supposed to pay against the card.

You must spend AED 10,000 or above to qualify for the waiver. This excludes Balance Transfer, Cash Advances or fees.

Cashback must be redeemed within 36 months from the date you made the transaction.


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