Zoud Package
For Sharjah Government employees
Being a Sharjah Government and Semi Government employee, we are pleased to offer you an exclusive package with products and services that are designed to fulfill all your banking needs.
Transfer your salary now and enjoy a host of exclusive benefits:
• Up to AED 1,000 joining bonus on salary transfer (new customers only)
• Up to AED 500 cash bonus credited to Covered Card
• Best competitive profit rates on finances
Personal Finance as low as 2.89%* (fixed per annum)
Real Estate as low as 3.75%* (reducing per annum)
Car Finance as low as 2.49%* (fixed per annum)
• Smiles Card
50,000* bonus Smiles points
Fly free on 300+ airlines, 300,000 hotel stays, Cashback and more
• Cashback Card
10%* Cashback on online and digital wallet transactions done locally and internationally
2% unlimited cashback on international retail spends
1% unlimited cashback on domestic retail spends
0.5% unlimited cashback on all utility, telecom, supermarkets, hypermarkets, government and education payments
Join now, visit your nearest branch or SMS "Zoud" to 6667
Personal Finance
Enjoy the most out of life with our Personal Finance solution. Get a head start on achieving your dreams and start securing a brighter future, right away. Apply for a Personal Finance and get cash that will help with school fees, a personal investment, travel, furnishing your house or paying rent – we are always here to support you.
Features & Benefits:
Car Finance
Whether you are looking to buy a new or pre-owned vehicle, our Car Finance solution is your instant path to competitive profit rates and flexible repayment terms. So, get ready to leave with keys in hand and road test your new car without delay.
Real Estate Finance
Home is where the heart is. Your real estate goals have never been closer to reality with our flexible Real Estate Finance solution and competitive profit rates.
Features & Benefits:
Benefit from a variety of features
Smiles Card
The card that rewards, earn “Smiles” points with the unique Smiles rewards program and redeem them in a variety of ways, from airline tickets and hotel stays to electronics and gift vouchers.
Apply and earn 50,000 Bonus Smiles for spending AED 20,000 within 90 days of card issuance with Smiles World Card.
Redeem your Smiles:
- Fly for free with over 300 airlines from anywhere to everywhere
- No blackout dates, no extra cash payment for taxes nor surcharges
- Free unlimited access to 900+* airport lounges
- Free stays in over 300,000 hotels around the world
- Exclusive SIB Online Shop, Gift Vouchers & Cashback
Log on to www.sibsmiles.com to redeem instantly!
Cashback Card
Spend BIG, Earn BIGGER!
- 10%* Cashback on online and digital wallet transactions done locally and internationally
- 2% unlimited cashback on international retail spends
- 1% unlimited cashback on domestic retail spends
- 0.5% unlimited cashback on all utility, telecom, supermarkets, hypermarkets, government and education payments
Spend BIG, Earn BIGGER!
Our Card Benefits
- 10%* Cashback on local and international purchases through online, saved cards on websites and apps, Samsung Wallet, and Apple Pay
- 2% unlimited cashback on international retail spends
- 1% unlimited cashback on domestic retail spends
- 0.5% unlimited cashback on all utility, telecom, supermarkets, hypermarkets, government and education payments
And Much More...
Apply Now
Start earning with Smiles Covered Card! Apply and get 50,000 Bonus Smiles*
How many Smiles do you have?
Smiles earned
this can earn me
Gift Vouchers (Zara, Sharaf DG, Magic Planet, Tribes & more)
Airlines Tickets (to London, Manama, Karachi, Boston & more)
5-star hotel stays (Atlantis, Raffles, Four Seasons, Sofitel & more)
Cashback (AED 100 to AED 500)
Online Shopping (electronics, headphone, smartphone & more)
Our commitment to unparalleled service
Product Information
Related Documents
How can we help you?
Get in touch
Contact us through WhatsApp on 0547775556
Apply Online
Start Banking with SIB today.
Apply for a card
Sign up by filling out an online application.
Frequently asked questions
How do I sign up for Online Banking?
All you need to do is visit the Online Banking page through www.sib.ae and register as a new user of a retail account. You should have your card or account number and verification code ready to create your user ID and complete the process.
How can I redeem my Smiles points?
You can redeem your Smiles points for a variety of lifestyle benefits, including hotel stays, airline tickets, cashback and gift vouchers. Simply visit www.sibsmiles.com to redeem instantly.
Is World the only Smiles Card on offer?
SIB also offers the Smiles Titanium Mastercard, which has its own exclusive features. Find out more about Smiles on the Our Cards page, and compare benefits and rewards easily and conveniently.
What is a Prepaid Card?
Manage your spending and enjoy peace of mind by recharging your Prepaid Card. Enjoy retail purchases and international use, online transactions and ATM withdrawals, and a variety of card designs to choose from.
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