Choose the right card for you.
Warning: If only the minimum repayment/payment is made each period, you will pay more in profit/fees and it will take longer to pay off your outstanding balance. Continuous failure to make the regular payments on time, will expose you to further charges (Late Payment to Charity) and may lead to further legal action by the bank. |
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Weigh your options
Flexibility, convenience and added value – make your decision with confidence.
Cards Categories
Smiles Titanium Mastercard
Choose exceptional rewards.
- Earn 1 Smile for every AED 2 spent locally*, and 2 Smiles for every AED 2 spent internationally*
- Redeem your Smiles for exceptional offers and discounts in the UAE and abroad
- Earn 0.5 Smiles for every AED 2 spent on education, utility, government bill transactions
AED 0
Annual fee
80%
Cash withdrawal
limit
2.49%
Profit rate*
Smiles World Mastercard
Take off to a world of possibilities.
- Earn 1.5 Smiles for every AED 2 spent locally*, and 3 Smiles for every AED 2 spent internationally*
- Apply and earn 50,000 bonus Smiles for spending AED 20,000 within 90 days of card issuance
- Earn 0.75 Smiles on every AED 2 spent on education, utility, government bill transactions
AED 525
Annual fee
80%
Cash withdrawal
limit
2.49%
Profit rate*
Cashback Card
Spend Big, Earn BIGGER!
- 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
AED 0*
Annual fee
80%
Cash withdrawal
limit
5,000
Minimum Salary
Visa Platinum Credit Card
Incomparable limits with distinctive benefits.
- Up to 12% off on hotel and vacation rentals with Agoda
- DragonPass ‘Dine & Fly’ offers globally at 200+ airport restaurants
AED 420
Annual fee
AED 750
Monthly Administration fee
Classic Visa Credit Card
Affordable fees and generous spending limits.
- Airport lounge access
- Emergency cash advance
AED 210
Annual fee
AED 150
Monthly Administration fee
Gold Visa Credit Card
Exclusive fees and outstanding spending limits.
- Airport lounge access
- 8% off bookings on www.hotels.com
AED 367.5
Annual fee
300
Monthly Administration
fee
Debit Card
A convenient card tailored to your daily needs.
- Free UNLIMITED access to more than 27 airport lounges*
- Special offers at hundreds of shops, restaurants, and much more
- 24/7 phone & Online Banking service
- Secure online shopping & EMV chip technology
- Easy utility bill payments via ATM
Sanad Prepaid Card
A supporting hand with the SSD, Sharjah
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
SIB Digital Card
The future of banking
- Instant Account Opening
- Zero Minimum Balance
- Profit Paid Monthly
- Available for customers through Mobile Banking only
Joud Prepaid Card
Manage your spending in style
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
Jeans Prepaid Card
Manage your spending in style
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
COOP Prepaid Card
A partnership with the renowned hypermarket leader
- Gold: offered to Sharjah Cooperative Society (SCS) shareholders only
- Silver: offered to all Sharjah Cooperative Society (SCS) customers (UAE nationals and expats)
- Discounts & offers at worldwide outlets
- Easy reloading
Al Sa'ada Prepaid Card
Honoring Sharjah Police members
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
Massarrah Prepaid Card
Attractive perks for GDRFA – Sharjah staff members
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
Watani Prepaid Card
An exclusive rechargeable card.
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
Tamkeen Prepaid Card
Compelling benefits for Sharjah Social Empowerment Foundation (SSEF) members.
- Retail purchases and online transactions
- ATM withdrawals and international use
- Discounts & offers at worldwide outlets
- Easy reloading
For key facts statements, terms and conditions, & fees and charges, visit www.sib.ae/tariff
With our cards, there's always a great deal waiting for you.
Still can't decide? We can help.
We are here to help you make the right decision according to your lifestyle and financial needs.
I am self employed
Explore the best card options for self-employed individuals.
Earn Rewards
Looking to be showered with lifestyle benefits? Look no further.
Compare Cards
See all the features and choose a card that suits your needs.
I am a salaried individual
Cards optimized for those under full-time employment.
Go contactless with Samsung Wallet.
Make payments and transactions quickly, conveniently, and securely.
Remit to Jordan
FAST money transfer to Jordan through SIB Online and Mobile Banking.
Fast, safe and hassle-free transactions with Apple Pay.
Leave your wallet at home and take full advantage of contactless payment.
How to activate your card?
Step 1
Login with your username and password
step 2
Go to Navigation menu
Step 3
Click on More Option
Step 4
Click on service request /cards
Step 5
Activate your card
Step 1
Insert card in ATM machine
Step 2
Click on Confirm
Step 3
Enter OTP
Step 4
Set Card PIN
Step 1
Call 065999999
Step 2
Select “Accounts and Cards Services”
Step 3
Enter 16 Digits Card Number
Step 4
Enter Card Expiry Date
Step 5
Enter OTP
Step 6
Set Card PIN
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