SIB Cashback Titanium Covered Card

Annual fee AED 199 waived if total retail spends exceed AED 10,000 in the previous year

Easy Payment Plan EPP convert purchases to installments up to 48 months

Balance Transfer facility from other banks up to 24 months

Easy Cash facility for rent school fees insurance up to 24 months

80% of card limit available for cash withdrawal

Up to 4 free supplementary cards for immediate family members spouse parents children and siblings

Chip and PIN and contactless payment technology

Up to 17 days grace period from statement date

Apple Pay and Samsung Wallet compatible

24-hour call center support

Fraud early warning system monitoring

SMS transaction alerts

Cashback points awarded monthly where 1 point equals 1 AED

1% unlimited cashback on domestic retail spends made in UAE

Cashback points valid for 36 months from transaction date

0.5% unlimited cashback on utility telecom government supermarket hypermarket and education payments made inside or outside UAE

2% unlimited cashback on international retail spends made outside UAE in foreign currency

Luxury serviced apartment discounts

Complimentary airport lounge access at over 1300 lounges in 135 countries when flight is delayed by 1 hour or more via Mastercard Travel Pass app with 24-hour flight registration required

Mastercard Priceless Specials offers on dining fitness beauty hotels and attractions

Minimum redemption threshold of AED 100

Sharia compliant based on Murabaha and Wakala principles

Late payment commitment to donate amount AED 236.25 donated to charity

Murabaha profit rate 3.49% monthly 41.88% annually

Minimum salary AED 8,000 for non-salary transfer customers

Minimum salary AED 5,000 for salary transfer customers