Sharjah Islamic Bank Credit Card Application Status

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Sharjah Islamic Bank (SIB), founded in 1975, is a well-renowned financial institution in the UAE and offers a wide range of credit facilities, including contactless credit cards. SIB credit cards come with distinctive features, affordable fees, and a myriad of exciting offers and rewards. You can easily apply for a SIB credit card via or SIB’s mobile or online banking services.

If you have submitted a Sharjah Islamic credit card application and want to know its status, you can quickly check your credit card status and track your application. In this article, we will discuss how you can check your Sharjah Islamic Bank credit card application status, how you can improve the chances of getting your SIB credit card application approved, and more.

Reason to Check Sharjah Islamic Bank Credit Card Application Status

It is essential to check the Sharjah Islamic Bank credit card application status to keep track of your application. You can use the Sharjah Islamic Bank credit card application status check facility and find out the following details - 

  • To know whether your SIB credit card is approved or rejected
  • To get a glimpse of how your application is progressing, like the estimated time of delivery
  • To check if there is any issue related to your application that has to be addressed 
  • To find out if any additional documents are required

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Check Sharjah Islamic Bank Credit Card Application Status Online

Once you have applied for the credit card, you can check its status through any of the following channels – 

Via Mobile Banking

Sharjah Islamic Bank mobile application is packed with a host of features and benefits, seamlessly giving you access to your bank account and the related services anywhere at any time. 

You can easily use the app to check SIB credit card application status. For this, you would need to use the mobile banking service by installing the official app named 'SIB Digital' and logging into your account using the credentials. Once the account is opened, locate the 'SIB credit card application status' option and check the status.

Via Online Banking

With SIB online banking, you can skip the long queues and get instant remote access to a host of banking services, including checking the SIB credit card application status. SIB online application is accessible from all the major internet browsers (Apple Safari, Google Chrome, Microsoft Edge, Mozilla Firefox, and more) on any desktop. 

You can head to the official website of Sharjah Islamic Bank – – and sign into your account using your user ID and password. Once your account is opened, look for the option 'SIB credit card application status' under the 'Credit cards' section. Tap on the applicable option and track your SIB credit card application.

Via Online Form

You can also fill out the contact form on the 'Contact Us' page on the official website of Sharjah Islamic Bank. While filling up this form, you would be required to provide details like the nature of request, the category, and more. After you submit the form, the bank will contact you and address your query.

Check Sharjah Islamic Bank Credit Card Application Status Offline

Although online credit card status checks are more convenient, you can also complete the check offline if you prefer so. Discussed below are the steps to be followed for the same as per your selected mode - 

Interactive Voice Response (IVR)

In case you are unable to access the mobile or online banking service, you can call 065999999 and select 'Accounts and card services' and ask your query. One of the customer representatives of the bank will guide you through the process of checking the SIB credit card application status.

Visit Nearest Branch

The traditional route of banking, you can always visit your nearest Sharjah Islamic Bank branch and inform the concerned representative that you would like to check your SIB credit card application status. Keep in mind that you may have to provide a few details for verification such as your name, credit card application reference number, registered mobile number, and others. After checking their system, the concerned representative will share the details about your card with you.

How to Increase the Chances of Getting Sharjah Islamic Credit Card Application Status Approved?

If you plan to apply for a Sharjah Islamic Bank credit card, keep the following points in mind to enhance the odds of getting your application approved – 

Be Aware of Your Credit Score

credit Score, calculated by the AECB in the UAE, is a 3-digit number that represents your creditworthiness. It is computed using the details from your credit report, which includes details related to your credit history such as loans, credit cards, payment history, outstanding debts, and more.

Before applying for an SIB credit card, it is advisable to check your credit score. If your credit score is low, it is highly recommended to improve it first before applying for the card. A low credit score indicates that you are not a responsible borrower, meaning that the chances of defaulting on a loan or credit card are quite high - this usually decreases the chances of approval.

Watch Your Credit Utilisation Ratio

The credit utilisation ratio is simply the ratio of credit used compared to the total credit available. It is calculated by dividing the total outstanding credit card balances by the total credit limit. 

A lower credit utilisation ratio indicates that you are using a lower portion of your available credit, which presents you as a responsible borrower to the lender. A higher credit utilisation ratio, on the other hand, indicates that you are overextending yourself and are more likely to default on your payments. 

Generally, banks and financial institutions prefer a credit utilisation ratio of 30% or less. Thus, if you have a total credit limit of, say, AED 10,000, you should aim to keep your total outstanding credit card balances below AED 3,000. This can keep your credit utilisation ratio low, improve your chances of being approved for a credit card, and enhance your credit score as well. 

Understanding Credit Utilisation Ratio

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Age of Credit

Length of credit history, also known as the age of credit, is the duration for which you have had credit accounts. A longer credit history shows that you have a track record of managing credit responsibly over an extended period and are more financially stable. On the other hand, a shorter credit history may indicate that you are new to credit and may be seen as a higher risk by lenders. This can make it difficult for you to be approved for credit or may result in higher interest rates or less favourable terms.

Apply for One Credit Card at a Time

Every time you apply for a credit card or any other credit facility, your credit score is affected as it is checked by the concerned institution. So if you apply for more than one credit card at a time, the lender will pull your credit report more than once, resulting in numerous hard queries. This, in turn, can make the approval of your credit card application challenging.

Pay Your Bills on Time

Whether you pay your bills on time or not is an important factor in determining your credit score as it demonstrates your ability to make timely payments. This can make you more likely to be approved for a credit card with better terms and interest rates. On the other hand, late or missed payments can have a negative impact on a credit score, as they indicate that you may not be responsible with respect to your finances. 

Factors to Consider While Applying for Sharjah Islamic Bank Credit Card After Rejection

Mentioned below are the factors to consider while applying for a Sharjah Islamic Bank credit card after rejection –

Compare Different Credit Cards

Before reapplying for a credit card, it is advisable to compare the different credit cards on the basis of eligibility criteria, interest/profit rates, features, rewards, and more. Make sure to apply for the credit card you are eligible for to avoid rejection of the credit card application.

Review Your Credit Report

Your credit report contains information used to determine your credit score and creditworthiness. You can review your credit report for any errors or inaccuracies that may have contributed to your rejection.

Improve Your Credit Score

If your credit score is low, work on improving it before reapplying. You can do this by paying bills on time, reducing your credit utilisation ratio, checking errors (if any) on your credit report and getting them corrected, and more.

Look for a Co-Signer

If you have a family member or a friend with a good credit score, you can ask them to cosign on your credit card application to increase your chances of being approved.

Think Before Cancelling Existing Credit Cards

Cancelling an existing credit card can impact your credit card application as it can affect your credit score and credit history. By cancelling your cards, you end up shortening your overall credit history, increasing your credit utilisation ratio, and removing positive payment history from your credit report, all of which can make it more difficult to be approved for new credit. 

Frequently Asked Questions

How can I check the Sharjah Islamic Bank credit card application status?

You can check your Sharjah Islamic Bank credit card application status via mobile banking, online banking, IVR, or by visiting your nearby bank branch. 

What documents are required to check Sharjah Islamic Bank credit card application status?

To check your Sharjah Islamic credit card application status, you would be required to have a credit card application reference number along with some personal details.


How can I check my credit score before applying for a Sharjah Islamic Bank credit card?

You can check your credit score on the Policybazaar UAE platform for free.

How can I keep a tap on my SIB credit card application status if I cannot access mobile or online banking services?

You can reach out to the bank’s customer care via IVR (phone banking) to know how your SIB credit card application is progressing. As an alternative, you can visit your nearest bank branch and get the required assistance. 

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