Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Credit Card Provided By Sharjah Islamic

Check Eligibility for Sharjah Islamic Credit Card

You are eligible to apply for a Sharjah Islamic
Credit Card .

You may not be eligible * to apply.

* Minimum salary AED 5000 required to apply for a Sharjah Islamic Credit Card .

Click here to check loans from other banks.

Features of Sharjah Islamic Credit Card

  • Earn Smiles on every purchase
  • Can get cash anytime
  • Get travel benefits
  • Exclusive lifestyle privileges

Eligibility Criteria of Sharjah Islamic Credit Card

  • Only UAE residents are eligible
  • UAE Residents of aged 21-60 years are eligible
  • A minimum income of AED 6000 - AED 15,000 is required per month

Documents Required of Sharjah Islamic Credit Card

  • Salary certificate(for working individuals)
  • Salary slip(for working individuals)
  • 3 months bank statements
  • Resident Visa(for Expats)
  • Trade Licence

Sharjah Islamic Credit Card Profit Rates

Sharjah Islamic Bank

2 Sharjah Islamic Bank Credit Cards

Smiles Titanium MasterCard Credit Card

Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card
Profit Rate

2.49%

Minimum Salary

AED 5K

Fx Rate

2.5%

Annual Fee

AED 0

Balance Transfer

Yes

interest rate

2.49%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

2.5%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

Yes

Balance Transfer

Advantages
  • Earn 1-2 smiles per 1 AED spent
  • Redeem smiles for travel & shopping benefits
  • Free airport lounge access
Advantages
  • Earn 1-2 smiles per 1 AED spent
  • Redeem smiles for travel & shopping benefits
  • Free airport lounge access

Features

  • Can get Smiles(Miles) on every transaction made using Sharjah Islamic Bank Titanium Master Credit card
  • Cash withdrawal facility is provided
  • Get a wide range of travel benefits

Features

  • Can get Smiles(Miles) on every transaction made using Sharjah Islamic Bank Titanium Master Credit card
  • Cash withdrawal facility is provided
  • Get a wide range of travel benefits
  • Interest rate of 2.49% is charged
  • A minimum salary of AED 6000 is required

Benefits

  • Get access to 10 airport lounges in the middle east region
  • Can get free air tickets on redeeming the Smiles earned
  • Can redeem smiles and get free stays facility at more than 300,000 hotels
  • Rent a car for free globally by redeeming the Smiles earned
  • Get complimentary travel insurance
  • Get a 10% discount on Cleartrip
  • Get Free 2 Buy 1 Get 1 Vox cinema tickets in a month.

View details on bank page

Smiles World MasterCard Credit Card

Sharjah Islamic Bank Smiles World MasterCard Credit Card
Profit Rate

2.49%

Minimum Salary

AED 15K

Fx Rate

2.5%

Annual Fee

AED 525

interest rate

2.49%

Profit Rate

minimum salary

AED 15K

Minimum Salary

fx rate

2.5%

Fx Rate

annual fee

AED 525

Annual Fee

Features

  • Can get miles on every AED spend
  • Can get travel benefits like travel insurance
  • Get discounts on travel bookings

Features

  • Can get miles on every AED spend
  • Can get travel benefits like travel insurance
  • Get discounts on travel bookings
  • Interest rate of 2.49% is charged
  • A minimum salary of AED 15000 is required

Benefits

  • Get access to 900+ airport lounges worldwide
  • Get free stays at about 300000 Hotels in the World.
  • Get special fares over 300+ airlines
  • Book tickets online at cleartrip.ae and get exclusive discounts
  • Can get discounts at premium hotels for Spa service
  • Get travel insurance for free
  • Get unlimited complimentary benefits at Mastercard Buy 1 Get 1 app
  • Buy 1 Get 1 free on movie tickets at Vox cinemas. Can get up to 4 tickets per month

View details on bank page

Sharjah Islamic Credit Card Benefits

  • Earn 1 - 3 Smiles on every AED spent on domestic and international purchases
  • Can redeem Smiles to airline tickets
  • Get 10,000 - 50,000 Smiles as a welcome offer
  • Free access to airport lounges
  • Get discounts on careem rides
  • Get Mastercard Buy 1 Get 1 app and avail exclusive discounts
  • Can get privileges at luxury hotels

Frequently Asked Questions

⭐ Can the Smiles earned be redeemed for shopping?

A. Yes, you can redeem the Smiles for shopping online at SIB store.

⭐ Is there any criterion to earn welcome bonus smiles?

A. To earn the welcome Smiles a minimum expenditure of AED 5000 - AED 20,000 is required using the SIB card.

⭐ Do I get travel insurance?

A. Yes, travel insurance is provided on bookings made using the SIB Card.

⭐ How to redeem the Smiles earned?

A. You can redeem the Smiles by signing tosibsmiles.com.

⭐ Where do I get Spa benefits?

A. Offers on Spa are provided at Fairmont, Raffles, and Swissotel.

⭐ Can I get a purchase slip for the purchases made?

A. Yes, to avail purchase slip you need to pay AED 25.

About Sharjah Islamic

Established in 1975 through an Amiri decree, the bank was initially known as the National Bank of Sharjah. In 2002, the bank was the first bank to convert to Islamic Banking and was renamed as Sharjah Islamic Bank (SIB). SIB has a Vision 'to be the bank of choice, delivering creative customer solutions based on Islamic principles of partnership, trust & equality for all’. The values followed by them are :

  • Bonding and Harmony
  • Compliance
  • Learning and Self Development
  • Social Responsibility
  • Creativity and Innovation

   Get in touch with Sharjah Islamic Bank Customer Care

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