ADIB Cashback vs Sharjah Islamic Bank Smiles Titanium
ADIB Cashback: Islamic cashback on eligible household bills. Sharjah Islamic Bank Smiles Titanium: Smiles Points under the published conditions. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
Compare
ADIB Cashback
Sharjah Islamic Bank Smiles Titanium
Minimum monthly salary
Confirm with bank
Confirm with bank
Modelled fees · first year
AED 103.95
AED 0
Modelled fees · ongoing year
AED 103.95
AED 0
Estimated first-year net
AED 3,496.05
Not estimated
Estimated ongoing net / year
AED 3,496.05
Not estimated
Reward redemption model
Cash / statement redemption model
Reward value unconfirmed
Bank FX charge
2.415%; scheme charges may apply
2.5%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Category caps, exclusions and redemption rules in the full review apply.
Sharjah Islamic Bank Smiles Titanium assumptions
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Free for life.
Official Titanium FAQ quotes 5,000 SIB Smiles = AED 100 cashback, while June 2026 Smiles terms clause 4.3 says points are not redeemable for cash or credit. No guaranteed AED value is assigned until the bank resolves that conflict.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
ADIB CashbackOngoing net / year: AED 1,000.05
Sharjah Islamic Bank Smiles TitaniumOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Sharjah Islamic Bank Smiles TitaniumOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Sharjah Islamic Bank Smiles TitaniumOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
ADIB Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Non-AED bank component 2.415% including VAT; scheme charges additional. Overseas-AED service component 2.8875% including VAT includes the stated Visa component, so do not add it twice. October 2026 tariff scope and legacy / self-funded qualifications apply.
Sharjah Islamic Bank Smiles Titanium: benefit conditions and official sources
Perks and exclusions
Lounges: Flight-delay lounge benefit: register flight 24 h before; delay 1 h+. Do not present as unlimited standard entry.
Cinema: No current offer verified.
School-fee payments earn the reduced published Smiles rate; a universal 10% education return is not assumed.
General covered-card KFS minimum is AED 5,000, not a guarantee of this tier approval.
Current July 2026 earning schedule is verified. Titanium: 0.5 local / 1 foreign / 0.25 specific MCC / 0.15 EEA points per AED. World and World Elite: 0.75 local / 1.5 foreign / 0.375 specific MCC / 0.15 EEA.
June terms clause 3.8 caps reward-eligible monthly spend at assigned card limit; points expire after 36 months.
SIB's Smiles is distinct from e& Smiles; do not apply this tentative conversion to ADIB/EI e& co-branded programmes.
Published non-AED bank administration fee: 2.5%, excluding Mastercard fees. KFS charges are VAT-inclusive; do not add VAT again. Conversion, scheme, DCC and foreign-AED components remain separate and not fully established.
