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Sharjah Islamic Bank UAE Credit Cards and Bank Accounts

Explore 4 current card products and 0 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.

Sharjah Islamic Bank accounts and salary options

No account product from this bank has been verified in our current account catalogue.

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All values in AED No paid rankings Conventional & Islamic Bank terms carry individual review dates · catalogue checked 22 Oct 2026

THE UAE REWARDS DIRECTORY

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165 current cards · 23 issuers / brandsSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.

All cards Cashback Airline miles Free for life School fees Lounge access Cinema offers

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Cashback Covered Card — official bank artwork

Sharia-compliant

Sharjah Islamic BankBANK-SOURCED

Cashback Covered Card

Dirham Score 2.8/5100% data coverage · editorial methodHow this score works

+ Published first-year fee waiver
+ Published salary criteria
+ Sharia-compliant product

− Reward estimate has stated exclusions
− Bank FX charge 2.5%; scheme charges may apply

Min. salary: AED 5,000

0.5% groceries 0.5% school fees

Annual fee AED 199First year waived

First year free. Renewal AED199 VAT inclusive, waived after AED10,000 retail spend in prior year.

ESTIMATED FIRST-YEAR VALUE

AED 1,890

Partial estimate · see details

View breakdown

Regular welcome+ AED 0

Promotional booster+ AED 0

Annual rewards+ AED 1,890

Fee waiver+ AED 199

Joining-fee refund+ AED 0

Annual fee− AED 199

Actual modelled netAED 1,890

Wallet channel is not a universal spend category. Specific merchants never receive the 10% rate; Dining conservatively assumes excluded quick service. EEA earns 0.3% and excluded foreign merchant categories 0.5%.

Calculation assumptions

View bank offerRead full review & fee maths

Rewards, fees & important conditions

Read the full Cashback Covered Card review and fee maths

10% eligible online/wallet purchases capped AED300 monthly; 1% other domestic, 2% eligible foreign, 0.5% specific merchants and 0.3% EEA.

No cinema benefit verified. · No complimentary access verified

Monthly profit rate: 3.49%. Bank FX charge: 2.5%.

First-year fee waiver requires AED 10,000 spend within 365 days. Your forecast meets the spend target.

June 2026 KFS states minimum monthly income AED5,000; brief AED8,000 is not supported by this KFS. Approval may apply stricter underwriting.

Online/wallet exclusions include supermarket, fuel, education, utilities/telecom, government, real estate, QSR, insurance, auto, public transport, tolls and charities.

AED199 is VAT inclusive in KFS. Page has contradictory EEA prose; detailed table and June KFS state0.3%.

Official bank source · checked 2026-10-22

Official product page

Official bank terms, tariff or rewards information

Exact official bank card artwork; proportional WebP display copy. Image source

Smiles World Mastercard — official bank artwork

Sharia-compliant

Sharjah Islamic BankBANK-SOURCED

Smiles World Mastercard

Dirham Score 3.3/570% data coverage · editorial methodHow this score works

+ Official fees and product sources linked
+ Published airport lounge benefit
+ Sharia-compliant product

− Reward forecast needs further verified terms
− Perk activation and qualifying conditions apply

Min. salary: AED 5,000

Smiles Points · AED value unverifiedLounge access

Annual fee AED 525

Annual fee waived for Excellence Banking clients.

VALUE NOT FULLY MODELLED

Not estimated

View breakdown

SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.

Calculation assumptions

View bank offerRead full review & fee maths

Rewards, fees & important conditions

Read the full Smiles World Mastercard review and fee maths

SIB Smiles points; 0.75 per AED locally, double internationally; specific merchants earn half domestic rate and EEA0.15points/AED.

No cinema benefit verified. · Mastercard Travel Pass; published1300+ network; activation/complimentary-entry terms apply.

Monthly profit rate: 2.49%. Bank FX charge: Confirm with bank.

SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.

No official proof of the brief’s 10% education claim; school-fee payments earn reduced Smiles.

General covered-card KFS minimum is AED5,000, not a guarantee of this tier approval.

Official bank source · checked 2026-10-22

Official product page

Official bank terms, tariff or rewards information

Exact official bank card artwork; proportional WebP display copy. Image source

Smiles Titanium Mastercard — official bank artwork

Sharia-compliant

Sharjah Islamic BankBANK-SOURCED

Smiles Titanium Mastercard

Dirham Score 2.9/570% data coverage · editorial methodHow this score works

+ Published free-for-life annual fee
+ Published salary criteria
+ Sharia-compliant product

− Reward forecast needs further verified terms
− Perk activation and qualifying conditions apply

Min. salary: AED 5,000

Smiles Points · AED value unverified

Annual fee Free for life

Free for life.

VALUE NOT FULLY MODELLED

Not estimated

View breakdown

SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.

Calculation assumptions

View bank offerRead full review & fee maths

Rewards, fees & important conditions

Read the full Smiles Titanium Mastercard review and fee maths

SIB Smiles points; 0.5 per AED locally, double internationally; specific merchants earn half domestic rate and EEA0.15points/AED.

No cinema benefit verified. · Flight-delay lounge benefit: register flight24h before; delay1h+. Do not present as unlimited standard entry.

Monthly profit rate: 2.49%. Bank FX charge: Confirm with bank.

SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.

No official proof of the brief’s 10% education claim; school-fee payments earn reduced Smiles.

General covered-card KFS minimum is AED5,000, not a guarantee of this tier approval.

Official bank source · checked 2026-10-22

Official product page

Official bank terms, tariff or rewards information

Exact official bank card artwork; proportional WebP display copy. Image source

Smiles World Elite Mastercard — official bank artwork

Sharia-compliant

Sharjah Islamic BankBANK-SOURCED

Smiles World Elite Mastercard

Dirham Score 3.1/570% data coverage · editorial methodHow this score works

+ Official fees and product sources linked
+ Published airport lounge benefit
+ Sharia-compliant product

− Reward forecast needs further verified terms
− Perk activation and qualifying conditions apply

Min. salary: AED 5,000

Smiles Points · AED value unverifiedLounge access

Annual fee AED 733.95

AED733.95 reversed after AED50,000 annual purchases.

VALUE NOT FULLY MODELLED

Not estimated

View breakdown

SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.

Calculation assumptions

View bank offerRead full review & fee maths

Rewards, fees & important conditions

Read the full Smiles World Elite Mastercard review and fee maths

SIB Smiles points; 0.75 per AED locally, double internationally; specific merchants earn half domestic rate and EEA0.15points/AED.

No cinema benefit verified. · Mastercard Travel Pass; published1300+ network; verify entry and guest entitlement in app.

Monthly profit rate: 2.49%. Bank FX charge: Confirm with bank.

SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.

No official proof of the brief’s 10% education claim; school-fee payments earn reduced Smiles.

General covered-card KFS minimum is AED5,000, not a guarantee of this tier approval.

Official bank source · checked 2026-10-22

Official product page

Official bank terms, tariff or rewards information

Exact card face cropped from the official SIB World Elite product banner; no card artwork was generated, recoloured or redrawn. Image source

First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.

THE DIRHAM FIELD NOTES

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KNOW THE RULES

Read the bank’s terms before applying

The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.

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Sharjah Islamic Bank UAE Credit Cards and Bank Accounts

Sharjah Islamic Bank accounts and salary options

Compare UAE Credit Cards by Salary and Rewards

UAE Credit Card Comparison

Cashback Covered Card

Cashback Covered Card

Regular welcome offer

Fees, rewards & eligibility

Smiles World Mastercard

Smiles World Mastercard

Regular welcome offer

Fees, rewards & eligibility

Smiles Titanium Mastercard

Smiles Titanium Mastercard

Regular welcome offer

Fees, rewards & eligibility

Smiles World Elite Mastercard

Smiles World Elite Mastercard

Regular welcome offer

Fees, rewards & eligibility

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