TravelIslamic
Sharjah Islamic Bank
Smiles World Covered Card
The Smiles World Covered Card is a travel credit card from Sharjah Islamic Bank. It has an annual fee of AED 525, and needs a minimum salary of AED 6,000 a month.
Annual fee
AED 525
Joining fee
Free
Min. salary
AED 6,000/mo
Rewards in
SIB Smiles
Material
Plastic
Card highlights
- 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)
- Redeem Smiles for flights on 300+ airlines, hotels, vouchers or cashback (no blackout dates)
- Up to 10% back on Booking.com hotels, plus Hertz Gold Plus Five-Star membership
Earn rates
| Category | Rate |
|---|---|
| International spend | 2.1% |
| Travel | 1.05% |
| Retail | 1.05% |
| Dining & food | 1.05% |
| Online shopping | 1.05% |
| Supermarket | 0.52% |
| Fuel | 0.52% |
| Utilities | 0.52% |
| Education | 0.52% |
| Transport | 0.52% |
| Real estate | 0.52% |
Spend in the European Economic Area earns a reduced 0.3 Smiles points per AED 2, against 3 points per AED 2 on other international spend. In Perkly's terms that is about 0.21% back, not the international rate shown above.
Current welcome offer
Earn 50,000 bonus Smiles (about AED 700)
- 50,000 Smiles when you spend AED 20,000 within 90 days of card issuance
Benefits & perks
- •Airport lounge access at 1,300+ lounges worldwide via Mastercard Travel Pass: up to 8 visits/year
- •Up to 10% back on Booking.com hotels
- •Hertz Gold Plus Rewards Five-Star membership
- •Discounted fast-track travel visa service
- •Cleartrip airline ticket discount
- •Luxury serviced-apartment discounts
- •Smiles points redeemable for flights on 300+ airlines (no blackout dates or surcharges)
- •Smiles points redeemable for hotels, gift vouchers, online shop purchases and cashback
- •Up to 4 free supplementary cards
- •Mastercard Priceless offers
- •Shariah-compliant covered card
Every card is checked against official bank sources. Last updated September 2026.
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SIB Smiles Titanium Covered Card
- 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
No annual feeView card
Updated September 2026