Sharjah Islamic Bank Titanium Smiles Credit Card

Q: 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.

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

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

Q: 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.

The Sharjah Islamic Bank Titanium credit card offers you convenience, rewards, and lifestyle benefits. This card brings Smiles points on ...read more

Airport Lounge

Relax Before you take off

Shopping Benefits

Exclusive offer on top brands

Fuel benefits

Save more on every fill

Movie Discounts

Enjoy blockbusters for less

Cashback up to

AED 2,000

Rewards + Welcome Offers

No Annual Fee

Travel benefits

Dining Discounts

Entertainment Benefits

Written By

Chanchal SinghContent Executive

Reviewed By

Ravindra DhakarProduct Manager

Last updated on 26 September 2025Editorial Standards

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

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

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

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

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

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