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 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
- Complimentary lounge access at 10 Middle East airports across UAE, KSA and beyond
- Free for life with no annual fee
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
- •Free airport lounge access at 10 key Middle East airports (UAE, KSA, Jordan, Kuwait and more)
- •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 and cashback via sibsmiles.com
- •Up to 4 free supplementary cards for immediate family
- •Instant cash facility
- •Card fraud protection with chip & PIN
- •Mastercard Priceless offers
- •Free for life (no annual fee)
Every card is checked against official bank sources. Last updated July 2026.
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More from Sharjah Islamic Bank
SIB Cashback Covered Card
- 10% cashback on online and digital wallet spend (Apple Pay, Samsung Wallet)
- 2% on international retail and 1% on domestic retail, uncapped
Updated July 2026
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