Islamic
No Annual Fee
Points
Sharjah Islamic Bank
SIB - 'Smiles' Titanium Credit Card
Ideal for local spenders. Earn 1 Smiles per AED 2 with Sharia-compliant benefits.
Min. Salary
AED 5,000
Annual Fee
Free
Interest Rate
2.49%
Salary Transfer
Not Required
Not sure if this card is right for you? Take our quiz
Key Features & Benefits
Fees & Services
Pay in easy installments (up to 12 months)
Cash withdrawal of up to 80% of your balance
Contactless payments with Apple Pay & Samsung Wallet
Secure and convenient Online & Mobile Banking
Rewards & Cashback
Earn 1 Smiles for every AED 2 spent locally*
Who Should Get This Card?
- You're new to the UAE or have a moderate salary (AED 5,000+)
- You want flexibility to keep your salary with any bank
- You want a no-cost card without annual fee commitments
- You prefer Sharia-compliant banking products
Frequently Asked Questions
Is This Card Right for You?
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