Smiles World Mastercard: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
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
Explore all Sharjah Islamic Bank cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 525
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- 2.49%
- Reward programme
- Smiles Points
- Salary transfer required
- No published requirement
Annual fee waived for Excellence Banking clients.
Cashback or points earning rules, thresholds and caps
SIB Smiles points; 0.75 per AED locally, double internationally; specific merchants earn half domestic rate and EEA0.15points/AED.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
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
Annual fee waived for Excellence Banking clients.
View breakdown
SIB Smiles is distinct from e& Smiles; no verified fixed AED redemption conversion.
Calculation assumptionsRewards, 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 2026-10-22Official bank terms, tariff or rewards information
Official bank terms, tariff or rewards information
Exact official bank card artwork; proportional WebP display copy. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Mastercard Travel Pass; published1300+ network; activation/complimentary-entry terms apply.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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.
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.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare Smiles World Mastercard with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare Smiles World Mastercard with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Smiles World Mastercard with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- Smiles World Mastercard official product terms
- Sharjah Islamic Bank: Official product page
- Sharjah Islamic Bank: Official bank terms, tariff or rewards information
- Sharjah Islamic Bank: Official bank terms, tariff or rewards information
- Smiles World Mastercard 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.