TravelIslamic
Sharjah Islamic Bank
Smiles Titanium Covered Card
The Smiles Titanium Covered Card is a travel credit card from Sharjah Islamic Bank. It has no annual fee, and needs a minimum salary of AED 6,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 6,000/mo
Rewards in
SIB Smiles
Material
Plastic
Card highlights
- Earn 2 SIB Smiles per AED 2 on international spend, 1 per AED 2 in the UAE
- Reduced earn of 0.5 Smiles per AED 2 on supermarkets, fuel, utilities, transport and several other categories
- Lounge access at 1,300+ lounges in 135+ countries when your flight is delayed by 1 hour or more
- Redeem Smiles for flights (300+ airlines), hotels, gift vouchers or cashback with no blackout dates
Earn rates
| Category | Rate |
|---|---|
| International spend | 1.4% |
| Travel | 0.7% |
| Retail | 0.7% |
| Dining & food | 0.7% |
| Online shopping | 0.7% |
| Supermarket | 0.35% |
| Fuel | 0.35% |
| Utilities | 0.35% |
| Education | 0.35% |
| Transport | 0.35% |
| Real estate | 0.35% |
Spend in the European Economic Area earns a reduced 0.3 Smiles points per AED 2, against 2 points per AED 2 on other international spend. In Perkly's terms that is about 0.21% back, not the international rate shown above.
Benefits & perks
- •Complimentary access to 1,300+ airport lounges in 135+ countries when your flight is delayed by 1 hour or more (Mastercard Travel Pass app registration required)
- •Smiles redeemable for flights on 300+ airlines with no blackout dates or surcharges
- •Smiles redeemable for stays at 300,000+ hotels
- •Smiles redeemable for gift vouchers, cashback and SIB Online Shop purchases
- •Up to 4 free supplementary cards for immediate family
- •Mastercard Priceless offers
- •Card fraud protection with chip and PIN
Every card is checked against official bank sources. Last updated September 2026.
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More from Sharjah Islamic Bank
TravelIslamicWelcome offer
SIB Smiles World Covered Card
- Earn 3 SIB Smiles per AED 2 on international spend, 1.5 on UAE purchases
- Up to 8 airport lounge visits or dining offers a year via Mastercard Travel Pass (1,300+ lounges)
AED 525/yrView card
Updated September 2026