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Rightfully Yours

Zoud Package

For Sharjah Government Employees




Raffle Draw

From November 24, 2023 till February 29, 2024
Product/ServiceRaffle Draw ChancesRules
Salary transfer1 ChanceMinimum AED 5,000 Salary
Personal Finance1 ChanceMinimum Finance Amount AED 50k/Chance 
Car Finance with Salary Transfer1 ChanceMinimum Finance Amount AED 50k/Chance
Real Estate Finance1 Chance Minimum Finance Amount AED 500k/Chance. For every AED 100k, 1 additional Chance
Covered Card with salary Transfer1 ChanceMinimum Card limit AED 5,000/Active Card
Online and Mobile Bank Registration2 Chances2 Chances when you register on Online and Mobile Banking
Online and Mobile Banking International Remit1 Chance1 Chance for every International Remit through Online and Mobile Banking


Benefit from a variety of features

Cashback Card
Smiles Cards

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

Online Shopping (electronics, headphone, smartphone & more)

Gift Vouchers (Zara, Sharaf DJ, Magic Planet, Tribes & more)

Cashback (AED 100 to AED 500)

5-star hotel stays (Atlantis, Raffles, Four Seasons, Sofitel & more)

Airlines Tickets (to London, Manama, Karachi, Boston & more)

Learn more

Our commitment to unparalleled service

SIB Digital Account

The future of banking

Instant Account Opening

Zero Minimum Balance

Without Salary Transfer

Apply Now

Bank on the move with SIB Digital Banking

Explore Unlimited & Complimentary 


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.

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.

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.

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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