TravelIslamic
Sharjah Islamic Bank
Smiles World Elite Covered Card
The Smiles World Elite Covered Card is a travel credit card from Sharjah Islamic Bank. It has an annual fee of AED 733.95, and needs a minimum salary of AED 6,000 a month.
Annual fee
AED 733.95
Joining fee
Free
Min. salary
AED 6,000/mo
Rewards in
SIB Smiles
Card highlights
- Earn 3 SIB Smiles per AED 2 on international spend (ex-EEA), 1.5 per AED 2 locally
- Up to 14 airport lounge visits or dining offers a year across 1,300+ lounges worldwide
- Redeem Smiles for flights (300+ airlines), hotels, gift vouchers or cashback
- Annual fee waived with AED 50,000 spend; Hertz Five-Star status and World Elite Concierge
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.
Benefits & perks
- •Access to 1,300+ airport lounges worldwide: up to 14 visits or dining offers per calendar year
- •World Elite Concierge service
- •Mastercard Golf Programme access
- •Avis car rental privileges and chauffeur services
- •Travel inconvenience and cancellation insurance
- •Travel medical insurance
- •Up to 10% back on Booking.com hotels
- •Cleartrip airline discount
- •Hertz Gold Plus Rewards Five-Star membership
- •Discounted fast-track travel visa service
- •Luxury serviced-apartment discounts
- •MyUS premium shipping discounts
- •Mastercard Priceless offers
- •Smiles redeemable for flights (300+ airlines), hotels, gift vouchers and cashback
- •Up to 4 free supplementary cards
- •Annual fee (AED 733.95) reversed with AED 50,000 spend in 12 months
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