# Sharjah Islamic Bank (SIB) Credit Card Eligibility **Published:** 2022-04-25T07:43:08.701Z **Updated:** 2026-07-30T16:27:20.742Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/sharjah-islamic-bank-credit-card-eligibility/ The Sharjah Islamic Bank credit card eligibility criteria include minimum salary requirements, minimum age, and your residency status. This information is used by the SIB to determine eligibility and create exclusivity around their credit card offerings. Clearing the eligibility criteria increases your chance of credit card application approval. ...read more ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## Sharjah Islamic Bank (SIB) Credit Card Eligibility in the UAE The officials at the bank will assess your SIB Credit Card eligibility based on the UAE Central Bank mandate. The UAE Central Bank-mandated eligibility criteria are mentioned below. * The minimum age of the customer has to be 21 years and above * The minimum monthly income of the customer needs to be AED 5,000. * The maximum Debt Service Ratio should be lower than 50% of your monthly gross salary (30% for pensioners), 5% of which is related to your minimum Credit Card monthly payment ## Documents Required to Apply for SIB Credit Cards You need to gather the following documents to apply for SIB credit cards. | **For salaried customers** | **For self-employed customers** | | --- | --- | | Application form
Copy of Passport & Emirates ID
Valid residence VISA for expats
Salary certificate
Three months bank statement | Application form
Copy of Passport & Emirates ID
Three months bank statement
Valid trade license
Memorandum of association/Power of attorney/Partnership agreement (if applicable) | ## Factors Affecting SIB Credit Card Eligibility If your SIB credit card application was rejected, there could be numerous causes for it. The bank does not specify all of its internal qualifying factors of credit card eligibility online, which can make it frustrating to understand the reason for your credit card application rejection. The following list details the most probable factors that can affect your SIB credit card eligibility. * **Credit Score:** If your credit score is low, it may affect your SIB credit card eligibility. Even though the bank doesn’t specify any credit score requirement as a part of its eligibility criteria, it is generally observed that a credit score over 700 increases your chance of credit card application approval. * **DTI Ratio:** Your Debt-to-Income ratio can play a significant role in determining your credit card eligibility. The Central Bank of the UAE states clearly that banks or financial institutions offer a credit card only if your Debt-to-income ratio is less than 50%. So, you must check your DTI before applying for a credit card. * **Repayment History:** This is a part of your credit report check and may lead to manual rejections of your credit card application. If SIB notices that you have multiple faults on your credit card repayment history or that you have significant credit card debt, the bank may reject your credit card eligibility. ## How to Improve SIB Credit Card Eligibility? The most important way to improve your SIB credit card eligibility is to not apply again right after your application was once rejected. This will trigger automatic rejections again. The following list details all the ways you can slowly improve your SIB credit card eligibility. * Create a healthy repayment habit and make sure you don’t have any missed payments in the past 12 months * Lower your DTI by prepaying any active debt you have. This is especially important if your DTI is closer to 50% * Check your credit report for any discrepancies in your active debt listings or personal details. This can help you fix any mistakes in your credit score * Make sure your salary is above the minimum salary requirements, and your employer is seen favourably by the bank * Build a relationship with the bank and apply for a credit card as an account holder. It may help you get more clarity on why your credit card application was rejected and how you can improve your approval chances. ## FAQs on SIB Credit Card Eligibility ### Q1: Does Sharjah Islamic Bank offer credit cards? **Ans:** Yes, Sharjah Islamic Bank offers credit cards that are powered by VISA. The credit cards can be used to make both domestic and international transactions. ### Q2: Can I apply for an SIB credit card with an AED 3,000 salary? **Ans:** No, you cannot apply for an SIB credit card with an AED 3,000 salary, as it falls under the AED 5,000 minimum salary eligibility criteria for SIB credit cards. ### Q3: What is the minimum eligibility for an SIB credit card in the UAE? **Ans:** The minimum eligibility for an SIB credit card in the UAE is a salary of AED 5,000 and an applicant age of over 21 years at the time of applying. 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