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
Material
Metal
Card highlights
- Earn 1.5 Smiles per AED 2 on local spend, 3 per AED 2 international
- Annual fee (AED 734) waived on AED 50,000 spend; metal Mastercard World Elite card
- Unlimited access to 1,300+ airport lounges plus World Elite Concierge and chauffeur services
- Up to 10% back on Booking.com, Hertz Five-Star status, and travel insurance included
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
- •Free access to 1,300+ VIP airport lounges worldwide
- •World Elite Concierge service
- •Mastercard Golf Programme access
- •Chauffeur and car rental services via Avis
- •Up to 10% back on Booking.com hotel bookings
- •Cleartrip airline discount
- •Hertz Gold Plus Rewards Five-Star membership
- •Discounted fast-track travel visa service
- •Luxury serviced-apartment discounts
- •MyUS premium shipping discounts
- •Travel inconvenience and cancellation insurance
- •Travel medical insurance
- •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) waived with AED 50,000 spend in 12 months
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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