Sharjah Islamic Bank Titanium Smiles Credit Card

The Sharjah Islamic Bank Titanium credit card offers you convenience, rewards, and lifestyle benefits. This card brings Smiles points on every spend — for both domestic and international purchases — exclusive discounts, and easy redemption options. Moreover, it gives all these benefits without having any annual membership fee. ...read more

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Dubai
Abu Dhabi
Sharjah
Ras Al Khaimah
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
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What are the Benefits of the Sharjah Islamic Bank Titanium Credit Card?

Go through the key perks available with the SIB Smiles Titanium card if you’re planning to apply for it —

💰 Earn 1 Smile for each AED 2 spent on domestic transactions 

💰 Earn 2 Smiles for every AED 2 spent on international transactions 

💰 Withdraw cash of up to 80% of your credit limit 

💰 Choose easy instalment plans and pay in 12 instalments

💰 Redeem your earned points for gift vouchers, online shopping, airlines and hotel bookings

💰 Balance transfer facility available 

Are You Eligible for the Sharjah Islamic Bank Titanium Smile Credit Card?

Each card comes with a different set of eligibility criteria. It is important to check your eligibility for the card you have chosen. Given are the general entry requirements for this Sharjah Islamic Bank card

Eligibility Factors  Requirements 
Minimum Age  21 years 
Nationality  UAE Nationals and Expats 
Status of Employment  Self-Employed Individuals and Salaried Employees 

📝Note

Other entry requirements, such as the minimum salary and credit Score, are also important. Get in touch with the bank for further details before starting your application. 

Documents for the SIB Titanium Card Application

Make sure to keep the following set of documents when applying for a Sharjah Islamic Bank Titanium Smile credit card. Let’s understand the lists across two separate categories —

For Salaried Applicants  For Self-Employed Applicants 
  • Emirates ID Copy 
  • Passport Copy 
  • UAE Residence Visa (for expats) 
  • Income Proof — Salary Slip 
  • Completed and Signed Application Form 
  • Emirates ID Copy 
  • Passport Copy 
  • Valid Trade Licence 
  • Income Proof 
  • MoA/ Power of Attorney/ Partnership Agreement 
  • Completed and Signed Application Form

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Fees and Charges of the Sharjah Islamic Bank Titanium Smile Credit Card

Check out the table below for the key fees and charges of the SIB Smiles Titanium card in the UAE —

Type of Fee  Charges 
Cash Withdrawal Limit  80% of the card limit 
Cash Withdrawal Fee  3.15% of the transaction amount 
Card Replacement Fee  AED 78.75
Additional Statement Fee  AED 47.25
Copy of Purchase Slip  AED 68.25
Rejected Standing Order Due to Insufficient Funds  AED 26.25 
Commitment to Donate  AED 236. 25

Jump onto the next question if you still have any doubts regarding the Sharjah Islamic Bank Smiles Titanium card. 

Frequently Asked Questions

Q1: Can I withdraw cash with my SIB Smiles Titanium card?

Ans: Yes, you can withdraw cash of up to 80% of your credit card limit.

Q2: How many Smiles points do I earn for making an international purchase?

Ans: For every AED 2 spent, you earn 2 Smiles points.

Q3: I have lost my SIB card. How much fee do I have to pay for replacing it?

Ans: The bank charges a card replacement fee of AED 78.75. 

Reviews & Ratings

4.8 / 5
(based on 23 reviews)

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