Sharjah Islamic Bank (SIB) Credit Card Eligibility

Credit Card in UAE
Apply for a Credit Card
& get access to your AECB Credit Score*

T&C Apply

  • No Annual Fee
  • Dining Discounts
  • Cashback up to AED2,000

Best credit cards with 0 Annual fee*

Search your City
  • Dubai
  • Sharjah
  • Abu Dhabi
  • Ras Al Khaimah
  • Al Ain
  • Other

Founded in 1975, Sharjah Islamic Bank is one of the leading Islamic banking solutions providers in the UAE. The bank offers banking products with unique features and benefits, with the product list including bank accounts, credit cards, prepaid cards, digital accounts, loans, mortgages, finance, and several investment options for both individual and corporate clients.

One such product from its exquisite collection is the range of Sharjah Islamic Bank credit cards, which offer numerous deals and discounts on lifestyle, travel, entertainment, and more. You can easily enjoy these benefits by applying for a Sharjah Islamic Bank credit card today. However, you have to meet the Sharjah Islamic Bank credit card eligibility to get one. If you want to avoid any hassles at the time of application, keep reading to know the eligibility criteria for top Sharjah Islamic Bank credit cards and apply for the chosen one without any delay.

Sharjah Islamic Bank (SIB) Credit Card Eligibility in the UAE

Given below are the Sharjah Islamic Bank credit card eligibility criteria you will be required to fulfil when applying for a credit card.

  • The applicant must be a UAE resident.
  • A good credit score and remarkable debt repayment history should be possessed by the applicant.
  • The applicant must be self-employed or salaried.
  • The applicant must have a minimum monthly income requirement between AED 5,000 and AED 15,000, depending upon the type of Sharjah Islamic Bank credit card.
  • The applicant should have a healthy relationship with the current bank.
  • The applicant must have a regular source of income in the UAE.

Documents Required to Apply for SIB Credit Cards

Here are the documents required to apply for Sharjah Islamic Bank Credit Cards.

Type of Documents

Required Documents

Identity Verification

  • Emirates ID (for identity verification) – Original document with a copy

Address Verification

  • A valid Passport with Residency Visa (for address verification)  – Original document with a copy
  • Contract of Tenancy or Utility Bills (for address verification) – Original document with a copy

Income Verification

  • Salary Letter/Salary Slips/Appointment Letter (for income verification) – Original document with a copy
  • Bank Statement for the previous three months (for income verification) – Original document with a copy
  • A valid trade license for self-employed applicants – Original document with a copy 

Other Documents

  • A duly filled out application form
  • A signed security cheque

Factors Affecting SIB Credit Card Eligibility

Find below the major factors affecting Sharjah Islamic Bank credit card eligibility.

  • Credit Score: Your credit score plays a critical role in meeting the Sharjah Islamic Bank credit card eligibility criteria. A good credit score can help you get a quick credit card application approval with a higher credit limit.
  • Age: You must be 18 years old or more when applying for a Sharjah Islamic Bank credit card in the UAE. Meeting the age eligibility criteria is essential for a hassle-free approval of the Sharjah Islamic Bank credit card application.
  • Monthly Income: Sharjah Islamic Bank offers specific minimum monthly income criteria for different credit cards. You have to satisfy the minimum monthly income criteria to obtain a credit card.
  • Debt Management: Delay in paying your debts can also affect your Sharjah Islamic Bank credit card eligibility in a negative way. Make sure that you pay all your debts on time and maintain a good credit score to remain eligible for a credit card.
  • Credit Settlement: Not paying your debts in full and looking for a reduced amount settlement can show the bank that you are not a responsible borrower. Thus, it is recommended to pay your debts in full and avoid carrying forward partial amounts to the next billing cycle. This saves you from piling up your debts and helps you maintain a good credit report.

discount offers - Policybazaar uae

How to Improve SIB Credit Card Eligibility?

You can follow a few simple steps to enhance your Sharjah Islamic Bank credit card eligibility as described below.

  • You must make on-time debt repayments to enhance your Sharjah Islamic Bank credit card eligibility, with this aspect adding a positive factor to your credit report as well. Try not to miss out on any monthly dues or payments. 
  • Start paying all your credit card bills in full to increase your chances of getting your credit card application approved. 
  • Try to reduce the number of credit inquiries by visiting the bank’s online portal or our credit cards section to find answers to your queries. 

To start with, you can check out some of the most asked questions regarding the Sharjah Islamic Bank Credit Card below.

Other Bank's Credit Card Eligibility

Top Bank's Credit Card Eligibility
CBD Credit Card Eligibility Finance House Credit Card Eligibility
RAKBANK Credit Card Eligibility DIB Credit Card Eligibility
Citibank Credit Card Eligibility Emirates Islamic Credit Card Eligibility
Emirates NBD Credit Card Eligibility FAB Credit Card Eligibility
SCB Credit Card Eligibility HSBC Credit Card Eligibility

FAQs on SIB Credit Card Eligibility

How can I check my Sharjah Islamic Bank credit card eligibility?

There are multiple ways to check your Sharjah Islamic Bank credit card eligibility. You can visit the bank’s website or contact its help and support team to get the required information. You can also go to our credit cards section and know more about your chosen Sharjah Islamic Bank credit card, along with the eligibility criteria, documents required, features, benefits, and ways to apply. The benefit of using our website for this purpose is that you will be able to explore and compare the best credit cards in the UAE and apply for the same.

What are the steps to apply for a SIB credit card online?

You can visit the Sharjah Islamic Bank website or visit its online banking portal to apply for the credit card of your choice. Here are the steps you need to follow.

  • Visit the portal
  • Fill out the application form
  • Provide the necessary documents
  • Submit the form
  • Wait for the approval
Can I get a SIB Credit Card as a salaried applicant?

Yes, you can apply for a Sharjah Islamic Bank credit card as a salaried applicant if you meet the minimum income requirement of your chosen credit card. To apply for the card, simply fill out the application form with your basic details and submit it with the required documents.