For Sharjah Government employees
Being a Sharjah Government and Semi Government employee and "Waffer" program member, 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
• Up to AED 3,000 cash bonus on Personal Finance with Covered Card
• Best competitive profit rates on finances
Personal Finance as low as 2.89%* (fixed)
Real Estate as low as 4.25%* (reducing)
Car Finance as low as 2.49%* (fixed)
• 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 or WhatsApp us on 0547775556
|From November 24, 2023 till February 29, 2024|
|Product/Service||Raffle Draw Chances||Rules|
|Salary transfer||1 Chance||Minimum AED 5,000 Salary|
|Personal Finance||1 Chance||Minimum Finance Amount AED 50k/Chance|
|Car Finance with Salary Transfer||1 Chance||Minimum Finance Amount AED 50k/Chance|
|Real Estate Finance||1 Chance||Minimum Finance Amount AED 500k/Chance. For every AED 100k, 1 additional Chance|
|Covered Card with salary Transfer||1 Chance||Minimum Card limit AED 5,000/Active Card|
|Online and Mobile Bank Registration||2 Chances||2 Chances when you register on Online and Mobile Banking|
|Online and Mobile Banking International Remit||1 Chance||1 Chance for every International Remit through Online and Mobile Banking|
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:
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
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?
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)
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.