For Sharjah Government employees with "Waffer" membership
Being a Sharjah Government employee and “Waffer” program member, we are pleased to offer you an exclusive package with products and services that is designed to fulfill all your banking needs.
Transfer your salary now and enjoy a host of exclusive benefits:
• Up to AED 1,000 Cash Joining bonus on salary transfer (new customers only)
• Zero minimum balance on Current Account
• Free unlimited access at more than 25 key airport lounges around the world
• Free ATM withdrawals of other banks locally and internationally
• Free local and international remittances when using Online Banking
• Best competitive profit rates on finances
Personal Finance as low as 2.89%
Real Estate as low as 3.99% + 3 months EIBOR
• “Tayseer” – Salary Advance - instantly and No fee the first month (new customers only)
• Smiles Card
50,000 bonus Smiles points
Fly free on 300+ airlines, 300,000 hotel stays, Cashback and more
Join now, visit your nearest branch or SMS "Sharjah" to 6667
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 Pay, 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)
Enjoy convenience and total peace of mind
Your Smiles World 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.
How can we help you?
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.