Sharjah Islamic Bank World Smiles Credit Card

The Sharjah Islamic Bank World Smiles Credit Card is an exclusive credit card that rewards its cardholder in every aspect of their life. With its unique and innovative Smiles Reward Program, the cardholder can earn Smiles Points and redeem them easily in several ways, from flight tickets & hotel stays to car rentals & online shopping, it covers all the basic need of its card member. In addition to offering the rewards, it comes with advanced features & benefits that make it one of the best credit cards in the UAE.

Features & Benefits of the Sharjah Islamic Bank World Smiles Credit Card

Following are the key features & benefits of the Sharjah Islamic Bank World Smiles credit card:

• Unlimited Airport Lounge Access: The cardholder can avail unlimited free lounge access to more than 850 airport lounges around the world.
• No-Black Out Dates: No ‘black-out dates’ with the Sharjah Islamic Bank World Smiles Credit Card. Additionally, there is no cash payment neither for taxes nor surcharges.
• Complimentary Hotel Nights: Member of this Sharjah Islamic Bank Credit Card can enjoy free hotel nights at ‘Starwood Hotels & Resorts’.
• Cleartrip Discount: The cardholder can avail the best deals & offers on travel booking made through the Cleartrip.com.
• Discounts on Luxury Serviced Apartment: With the Sharjah Islamic Bank World Smiles Credit Card, member of the card can avail exclusive discount on the luxury serviced apartment.
• Hertz Gold Plus Rewards 5-Star Membership: The cardholder can enjoy a variety of benefits with the ‘Hertz Gold Plus Rewards 5-Star Membership’ using this card.
• Discount on Careem Rides: With this Sharjah Islamic Bank Credit Card, the cardholder can avail discount on Careem rides.
• Discount on Travel Visa Service: The cardholder can avail exclusive discounts on travel visa service (fast-track).
• Discount on MyUS Premium Shipping: The cardholder can avail international myUS premium shipping discounts using the Sharjah Islamic Bank World Smiles Credit Card.
• Travel Insurance: This credit card offers travel inconvenience and cancellation insurance. In addition to this, it offers travel accident & medical insurance to ensure safe & pleasant travel experience.
• Balance Transfer: The cardholder can consolidate & transfer the outstanding balance of all their credit cards to the Sharjah Islamic Bank World Smiles Credit Card. Best of all, the card member can enjoy low-profit rates and also easy installments up to 24 months.
• Easy Pay: Member of this card can easily convert their credit card purchases into monthly installments for a maximum of 12 months.

Rewards & Offers of the Sharjah Islamic Bank World Smiles Credit Card

Card member of the Sharjah Islamic Bank World Smiles Credit Card is enrolled in the ‘Smiles Loyalty Program’. Through this program, the cardholder can earn ‘Smiles Points’ on every transaction made with this Sharjah Islamic Bank Credit Card.

Category	Amount Spent (in AED)	Smiles Points
Local	2	1.5
International	2	3
Education, Utility & Government Bills	2	0.75

*Bonus Smiles: By applying for this card, the cardholder can earn 50,000 Bonus Smiles for spending 20,000 AED within three months of the card issuance.

Smiles Points Redemption:

• The card member of this Sharjah Islamic Bank Credit Card is eligible to ‘Fly for free’ with 300+ airlines around the globe
• Member of this credit card can enjoy free stays in 300,000+ hotel properties worldwide
• The cardholder can enjoy shopping with ‘SIB online shop’ and pick from more than 13,000 products.
• The card member of the Sharjah Islamic Bank World Smiles Credit Card can easily redeem the ‘Smiles Points’ for vouchers at their favorite stores, Sharaf DG & Souq.com.

Fees & Charges of the Sharjah Islamic Bank World Smiles Credit Card:

Here are the fees & charges associated with the Sharjah Islamic Bank World Smiles Credit Card:

Description	Charges
Annual Membership Fee (Primary/Supplementary Card)	525 AED/Free
Card Replacement Charges	78.75 AED
Cash Withdrawal Charge	3.15 Percent (minimum 78.75 AED)
Processing Charge for non-AED Transactions	2.5 Percent
Late Payment Charge	225 AED
Standing Order Declined Due To Low Funds	25 AED
Purchase Slip Copy	68.25 AED
Duplicate Statement Charge	47.25 AED
Liability or No-Liability Certificate Charge	52.5 AED

Documents Required for Sharjah Islamic Bank World Smiles Credit Card

An applicant is required to submit the following documents in order to complete the credit card application:

• Emirates ID & passport copy
• Completed application form
• A valid resident visa (for expatriates)
• Salary Slips
• Salary Certificate
• Bank Statement of the last three months

Additional Benefits of Sharjah Islamic Bank World Smiles Credit Card:

• MasterCard Buy 1, get 1 App Offers: The cardholder can enjoy hundreds of offers with ‘MasterCard Buy One, Get One Mobile App’ which can be downloaded through the App Store & Google Play.
• SIB Offers Mobile App: Member of this Sharjah Islamic Bank Credit Card can enjoy some exceptional discounts & offers within the UAE & abroad through the ‘SIB Offers Mobile App’.
• Spa Offers: The cardholder can enjoy a wide range of exclusive SPA offers across Raffles, Fairmont, and Swissotel.