Sharjah Islamic Bank
SIB Cashback Covered Card
The SIB Cashback Covered Card is a cashback credit card from Sharjah Islamic Bank. It has no annual fee, and needs a minimum salary of AED 8,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 8,000/mo
Rewards in
Cashback
Material
Plastic
Card highlights
- 10% cashback on online and digital wallet spend (Apple Pay, Samsung Wallet)
- 2% on international retail and 1% on domestic retail, uncapped
- 0.5% on utilities, telecom, supermarkets and education
- Up to 4 free supplementary cards
Earn rates
| Category | Rate |
|---|---|
| Online shopping | 10% |
| International spend | 2% |
| Travel | 1% |
| Retail | 1% |
| Dining & food | 1% |
| Supermarket | 0.5% |
| Fuel | 0.5% |
| Utilities | 0.5% |
| Education | 0.5% |
| Transport | 0.5% |
| Real estate | 0.5% |
Rewards on this card are capped at AED 300 a month across all categories (about AED 3,600 a year).
Spend in the European Economic Area earns a reduced 0.3% cashback, against 2% on other international spend.
Benefits & perks
- •Up to 4 free supplementary cards
- •Annual fee waived from year 2 with AED 10,000 annual spend
- •Islamic covered card (Murabaha and Wakala compliant)
- •Mastercard Titanium benefits
Every card is checked against official bank sources. Last updated July 2026.
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More from Sharjah Islamic Bank
Smiles Titanium Covered Card
- Earn 1 Smile per AED 1 abroad, 0.5 per AED 1 on domestic spend
- Redeem Smiles for flights (300+ airlines), hotels, gift vouchers or cashback
Updated July 2026
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