Bank of Sharjah Gold
Bank of Sharjah Gold is a UAE credit card with bank-specific benefits. Qualifying banking relationship required. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 472.5. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 1.8/550% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Explore all Bank of Sharjah cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 472.5
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- Confirm with bank
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
AED 472.5 annual fee plus separateAED 367.5 joining fee, including 5%VAT for the AED-denominated card. USD-denominated fees differ; no duplicate USD record added.
Qualifying banking relationship requiredMust be an existing Bank of Sharjah customer and maintain collateral fixed deposit equal to three times the monthly card limit. No public salaried income floor is established.
Cashback or points earning rules, thresholds and caps
Rewards terms are described below; no annual AED forecast is assigned.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
Why this card has no annual AED forecast
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Published earning rates, known fees and bank conditions remain available in this review.
Check Bank of Sharjah's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Bank of Sharjah Visa Gold Credit Card
Bank of Sharjah Visa Gold Credit Card
Dirham Score 1.8/550% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Official product sources linked
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
AED 472.5 annual fee plus separateAED 367.5 joining fee, including 5%VAT for the AED-denominated card. USD-denominated fees differ; no duplicate USD record added.
Qualifying banking relationship requiredMust be an existing Bank of Sharjah customer and maintain collateral fixed deposit equal to three times the monthly card limit. No public salaried income floor is established.
View breakdown
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Calculation assumptionsRewards, fees & important conditions
Read the full Bank of Sharjah Visa Gold Credit Card review and fee maths
Rewards terms are described below; no annual AED forecast is assigned.
No cinema benefit verified. · No complimentary airport lounge entitlement established in the reviewed product sources.
Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
This is a deposit-backed relationship product, not an unsecured salary-only recommendation. TheKFS requires collateral fixed deposit three times the monthly card limit.
The bank expects transactions to be settled in full. KFS says a 15% charge applies to deficit recorded in a servicing current account; a conventional monthly credit-card interest rate is not established, so none is invented.
YOUR Privilege loyalty points and merchant offers are listed, but earning rates/cash redemption are not established. No annual reward estimate.
Official packshot is small (approximately 70 pxwide); original is retained rather than inventing artwork.
Official bank source · checked 2026-10-24Current product-linked key facts (fees and collateral)
Authentic bank packshot is only70by46pixels; no substitute or generated card art is used. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary airport lounge entitlement established in the reviewed product sources.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- This is a deposit-backed relationship product, not an unsecured salary-only recommendation. TheKFS requires collateral fixed deposit three times the monthly card limit.
- The bank expects transactions to be settled in full. KFS says a 15% charge applies to deficit recorded in a servicing current account; a conventional monthly credit-card interest rate is not established, so none is invented.
- YOUR Privilege loyalty points and merchant offers are listed, but earning rates/cash redemption are not established. No annual reward estimate.
- Official packshot is small (approximately 70 pxwide); original is retained rather than inventing artwork.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
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Compare Bank of Sharjah Visa Gold Credit Card with CBD Al Islami Super Saver Visa Signature Credit CardBank of Sharjah Gold FAQs
What salary do you need for Bank of Sharjah Gold?
A current minimum monthly salary is not confirmed in this record. Ask the bank before applying; salary alone never guarantees approval.
What is the annual fee for Bank of Sharjah Gold?
The listed annual fee is AED 472.5. AED 472.5 annual fee plus separateAED 367.5 joining fee, including 5%VAT for the AED-denominated card. USD-denominated fees differ; no duplicate USD record added.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Bank of Sharjah Visa Gold Credit Card official product terms
- Bank of Sharjah: Official product page
- Bank of Sharjah: Current product-linked key facts (fees and collateral)
- Bank of Sharjah Visa Gold Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.