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 1.5 SIB Smiles per AED 2 locally, 3 per AED 2 on international spend
- Unlimited access to 1,300+ airport lounges worldwide via Mastercard Travel Pass
- Redeem Smiles for flights (300+ airlines), hotels, gift vouchers or cashback
- Up to 10% back on Booking.com hotels, plus Hertz Gold 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
- •Free access to 1,300+ VIP airport lounges worldwide via Mastercard Travel Pass
- •Concierge and personalised travel services
- •Up to 10% back on Booking.com hotel bookings
- •Discounted airline tickets via Cleartrip
- •Hertz Gold Plus Rewards Five-Star membership
- •Discounted fast-track travel visa service
- •Luxury serviced-apartment discounts
- •Smiles points redeemable for flights on 300+ airlines with no blackout dates or surcharges
- •Smiles points redeemable for stays at 300,000+ hotels
- •Smiles points redeemable for gift vouchers, online shopping and cashback
- •Up to 4 free supplementary cards
- •Mastercard Priceless offers and experiences
Every card is checked against official bank sources. Last updated July 2026.
Spotted something out of date or incorrect? Tell us and we’ll fix it.
See all travel credit cards in the UAE →
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
Perkly is independent and not affiliated with, endorsed by, or sponsored by any bank. All bank and product names and trademarks belong to their respective owners and are used for identification only.