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25% Cashback!

Travel More, Get More!

14 June 2024 to 31 August 2024

Cashback Card
Smiles Cards
Prepaid Cards
Debit 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

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

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

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

Cashback (AED 100 to AED 500)

Online Shopping (electronics, headphone, smartphone & more)

Learn more

Manage your spending, enjoy peace of mind

Our Card Benefits

  • Retail purchases and international use.
  • Online transactions and ATM withdrawals.
  • A variety of card designs to choose from.

And Much More...

Apply Now

Tailored to your daily lifestyle

Our Card Benefits

  • Free UNLIMITED access to more than 27 airport lounges*.
  • 24/7 service via phone and Online Banking, easy ATM utility bill payments.
  • Secure online shopping, special offers at hundreds of shops and restaurants.

And Much More...

Apply now
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.

Add-ons and bonus features

VIP lounge access in 


 key airports cross the Middle East

Explore Unlimited & Complimentary 


Convenient utility
bill payments with SIB Digital App

What would you like to do?

Give us feedback

Write to us and we will get back to you soon.

Apply for a card

Sign up by filling out an online application.

Compare Cards

We can help you choose the ideal option according to your lifestyle and needs.

Frequently asked questions

Do I need to register to receive the cashback points?

No, you are automatically enrolled in Cashback program once you activate the card.

All transactions made online or via wallets (Apple Pay or Samsung Wallet) whether domestically or internationally shall earn 10%* Cashback except utilities, telecom, supermarket and education.

*up to AED 300 per month

Cashback is calculated once the statement is generated. You can redeem the points earned on the previous statements if total points is equivalent to or greater than AED 100. Redemption can be done through Online & Mobile Banking “SIB Digital” or by calling 065999999.

No, you earn points on every purchase transaction.

Cashback points will not be considered as card payment, it will be credited against the outstanding balance, therefore, it will not offset the minimum payment that you’re supposed to pay against the card.

You must spend AED 10,000 or above to qualify for the waiver. This excludes Balance Transfer, Cash Advances or fees.

Cashback must be redeemed within 36 months from the date you made the transaction.


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