Smiles Credit Card
Apply and earn up to 50,000* Bonus points with Smiles Card.
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ANNUAL FEE
AED 3000
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0.2% P.A
INTEREST RATE P.A. AED 10.5%

Benefits and Rewards of Smiles Card
Other Benefits & Add-Ons to Enjoy

Card Detail Discounts and offers in 1,900 locations and counting.
More Cashback card benefits
Cashback
Caps on cashback spending with an SIB Cashback credit card.
Category | Cashback |
Cashback cap (per statement cycle) |
---|---|---|
On all fuel spends in the UAE | 10% | AED 100 |
On all supermarket spends in the UAE | 3% | AED 200 |
On all other spends | 1% | No cap |
Travel
Reliable banking for all your day-to-day needs.
Category | Cashback |
Cashback cap (per statement cycle) |
---|---|---|
On all fuel spends in the UAE | 10% | AED 100 |
On all supermarket spends in the UAE | 3% | AED 200 |
On all other spends | 1% | No cap |
24 / 7 Security for your ease of mind
Required Documents
- Application form
- Passport & Emirates ID copy
- Valid residence visa for expats
- Salary certificate
- Salary slip
- Three months bank statement
Terms and Conditions
I want to…

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.
Can I make online purchases with my Debit Card?
Yes, online shopping with your Sharjah Islamic Bank Debit Card is easy, convenient and safe. Take all the necessary precautions while purchasing items on the Internet and shop only with reputable and widely trusted outlets.
What do I need to open a savings account?
After you’ve submitted your online application form, you will be required to bring your original passport and UAE national ID card to your branch, along with a valid UAE residence visa if you’re an expat. You must be over 18 years of age to apply and have a minimum balance of AED 3,000 in your account.
What is Takaful?
The Group Credit Life Takaful is an Islamic insurance scheme that protects your loved ones by covering your liabilities with Sharjah Islamic Bank in the event of death or Permanent Total Disability (PTD).