Welcome to Aani
Instant Payment Services
An innovative instant payment platform operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE.
Aani will enable banks, licensed financial institutions and other payment service providers to offer instant and seamless payment services to consumers, businesses, corporates, and government entities in the UAE. Aani will allow customers to transfer up to AED 50,000 instantly, on a 24x7 basis, securely and seamlessly between payment accounts.
The payment service offers Proxy Payments, QR-code based payments, request to pay, and split payments that are convenient, user-friendly and fast, within seconds, based on the highest international standards and security measures. It simplifies the settlement process and delivers a real-time payment experience.
Important Update on Visa Credit Cards
Effective: 31st December 2024
SIB Credit Cards (Visa) will be discontinued and closed on 31 Dec 2024. We encourage you to settle any outstanding balance on this card before this date.
Existing SIB Visa Credit Cardholders are offered the option to avail our all new Smiles Platinum Visa Covered Card that hosts a wide range of benefits.
SMS “Platinum” to 6667 to contact you, or feel free to call us on 065999999 for more information.
Welcome to Aani
Instant Payment Services
An innovative instant payment platform operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE.
Aani will enable banks, licensed financial institutions and other payment service providers to offer instant and seamless payment services to consumers, businesses, corporates, and government entities in the UAE. Aani will allow customers to transfer up to AED 50,000 instantly, on a 24x7 basis, securely and seamlessly between payment accounts.
The payment service offers Proxy Payments, QR-code based payments, request to pay, and split payments that are convenient, user-friendly and fast, within seconds, based on the highest international standards and security measures. It simplifies the settlement process and delivers a real-time payment experience.
Tayseer "Salary Advance" Service Discontinued
20 June 2024
Effective 20 June 2024, Tayseer “Salary Advance” will no longer be available.
We provide a variety of products and services that helps manage your financial liabilities and organize your expenses. Whether it is an installment postponement, additional finance, or a covered card, we are here to meet your banking needs.
To know more, contact our 24x7 team through 065999999 or visit your nearest branch www.sib.ae/FindUs
Welcome to Aani
Instant Payment Services
An innovative instant payment platform operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE.
Aani will enable banks, licensed financial institutions and other payment service providers to offer instant and seamless payment services to consumers, businesses, corporates, and government entities in the UAE. Aani will allow customers to transfer up to AED 50,000 instantly, on a 24x7 basis, securely and seamlessly between payment accounts.
The payment service offers Proxy Payments, QR-code based payments, request to pay, and split payments that are convenient, user-friendly and fast, within seconds, based on the highest international standards and security measures. It simplifies the settlement process and delivers a real-time payment experience.
Safe Deposit Locker
Fees & Eligibility Update
To enhance our banking services and to ensure complete transparency, we have revised the Safe Deposit Locker eligibility criteria, effective 1 April 2024, the following criteria will apply on Safe Deposit Locker applications:
1- Customer minimum salary AED 40,000
2- Or minimum average balance for 6 months AED 300,000
3- Security Deposit AED 3,000
4- Minors and Non UAE residents are not eligible
View Schedule of Fees & ChargesOur commitment to unparalleled service
Product Information
Related Documents
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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.
Shall I earn 10% on all transactions made online or via wallets (Apple Pay or Samsung Wallet)?
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
Can I redeem the points on whatever I spend during the 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.
Is there a minimum spend to qualify for the Cashback?
No, you earn points on every purchase transaction.
Can I make payments on the card using the Cashback points?
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.
How much do I need to spend to qualify for fee waiver second year onward?
You must spend AED 10,000 or above to qualify for the waiver. This excludes Balance Transfer, Cash Advances or fees.
When do the Cashback points expire?
Cashback must be redeemed within 36 months from the date you made the transaction.
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