Sharjah Islamic Bank Credit Cards

Introduction to Sharjah Islamic Bank

Established in 1975, the Sharjah Islamic Bank has been a strong force of change that is redefining the Islamic banking sector till date. The bank laid its foundation for offering most-sought-after personal as well as corporate banking services. Sharjah Islamic bank embarked its journey by decree of Dr. Sheikh Sultan Bin Mohamed Al Qassimi. Formerly known as National Bank of Sharjah, it was converted into Islamic Bank in 2002.

The shift from commercial banking to Islamic banking replaced conventional regulations with Islamic regulations. Presently, SIB offers a wide range of Sharia-compliant retail and corporate products and investment services through its wide banking network in the UAE.

Types of Sharjah Islamic Bank Credit Cards

Listed below is the handpicked selection of Sharjah Islamic Credit Cards that suit the needs of different applicants. The cards offer more bang for the buck at every swipe and every purchase.

Sharjah Islamic Bank Classic Credit Card

The classic credit card is worth having for as it comes with reasonable fees and high spending limits which make shopping not only fun but also a rewarding experience. It enables the card member to splurge more on things they want to spend on.

Features and Benefits

• 100% Cash Withdrawal: Sharjah Islamic Bank Classic Credit Card empowers the cardholder with instant liquid cash facility at a 100 % cash withdrawal rate of the available limit. The facility of cash advance doesn’t require additional approvals from the bank or documentation. However, the cash withdrawal facility can be availed as per the applicable terms and conditions.
• Note- The card member should be aware of these terms and conditions before availing this facility.
• 24/7 Phone & Online Banking Service: Sharjah Islamic Bank Classic Credit Card provides its members with 24X7 phone & online banking services. With these handy services, the member need not be worried about visiting the bank to inquire about offered services, pin re-generation, requesting a new cheque book etc.
• Free e-Statement: Sharjah Islamic Bank Classic Credit Card provides the cardholder with the option of availing free account statement. The e-statement is electronically delivered on a monthly or quarterly basis in a PDF format. The card member can download, print and save it for future use. The facility of e-statements is offered free of cost.
• Free SMS Notifications: With SMS notifications, the cardholder can keep a track of the transactions made using their credit card. They get transaction alerts on the phone on a real-time basis. Thanks to this notification facility, Sharjah Islamic Bank Classic Credit card member can use their card in a safe and secure way.
• Convenient Payment Methods : The Sharjah Islamic Bank Credit Card member can pay their credit card bills easily at CCDMs and Al Ansari Exchange.
• International Transactions: Credit cards have made the international travel experience more convenient than ever. Sharjah Islamic Bank Classic credit card can be used easily used for international transactions during a foreign trip.
• Credit Limit Increase: Sharjah Islamic Bank Classic credit card member can get their credit limit increased on a permanent or temporary basis.
• Special Offers : The cardholder can make the most of promotional offers from Sharjah Islamic Bank credit cards. It goes without saying that the joy of spending magnifies with lucrative offers by this card. The card member can avail special offers across various types of spend categories and save more with these customized offers.

Sharjah Islamic Bank Gold Credit Card

It comes as no surprise that credit cards have become an integral part of today’s fast-paced lifestyle. Be it grocery shopping, making utility bill payment(s), reserving a fancy hotel or booking a cab, Sharjah Islamic Bank Gold Credit Card offers the most convenient and secure payment method. Wide-ranging benefits such as 100% cash withdrawal and fraud-proof transactions make this credit card stand out in the market till date. The card offers high spending limit so that the card member can make most of their credit card.

Features and Benefits

• 100% Cash Withdrawal: Sharjah Islamic Bank Gold Credit Card empowers the cardholder with an instant liquid cash facility at the 100 % cash withdrawal rate of the available limit. The facility of cash advance doesn’t require additional approvals from the bank or documentation. However, the cash withdrawal facility can be availed as per the applicable terms and conditions.
• Note- The card member should be aware of these terms and conditions before availing this facility.
• 24/7 Phone & Online Banking Service: Sharjah Islamic Bank Gold Credit Card provides its members with 24X7 phone & online banking services. With these handy services, the member doesn’t have to worry about visiting the bank to inquire about offered services, pin re-generation, requesting a new cheque book etc.
• Free e-Statement: Sharjah Islamic Bank Gold Credit Card provides the cardholder with the option of availing free account statement. The e-statement is electronically delivered in a PDF format on a monthly or quarterly basis. The card member can download, print and save it for future use. The facility of e-statement is offered free of cost.
• Free SMS Notifications: With SMS notifications, the cardholder can keep a track of the transactions made using their credit card. They get transaction alerts on the phone on a real-time basis. Thanks to this notification facility, Sharjah Islamic Bank Gold Credit card member can use their card in a safe and secure way.
• Convenient Payment Methods: The Sharjah Islamic Bank Gold Credit Card member can pay their credit card bills easily at CCDMs and Al Ansari Exchange.
• International Transactions: Credit cards have made the international travel experience more convenient than ever. Sharjah Islamic Bank Gold credit card can be used easily used for international transactions during a foreign trip.
• Credit Limit Increase: Sharjah Islamic Bank Gold credit card member can get their credit limit increased on a permanent or temporary basis.
• Special Offers : The cardholder can make the most of promotional offers from Sharjah Islamic Bank Gold Credit Card. It goes without saying that the joy of spending magnifies with lucrative offers of this card. The card member can avail special offers across various types of spend categories and save more with these customized offers.

Sharjah Islamic Bank Platinum Credit Card

There are many benefits of having Sharjah Islamic Bank Platinum Credit Card. The cardholder can make a purchase as per their available cash limit. Be it making payments for online shopping or paying utility bill, this card is safe to use. This card is renowned for its competitive fee and charges and high spending limit along with various lifestyle benefits.

Features and Benefits

• 100% Cash Withdrawal: Sharjah Islamic Bank Platinum Credit Card empowers the cardholder with instant liquid cash facility at the 100 % cash withdrawal rate of the available limit. The facility of cash advance doesn’t require additional approvals from the bank or documentation. However, the cash withdrawal facility can be availed as per the applicable terms and conditions.
• Note- The card member should be aware of these terms and conditions before availing this facility.
• 24/7 Phone & Online Banking Service: Sharjah Islamic Bank Platinum Credit Card provides its members with 24X7 phone & online banking services. With these handy services, the member doesn’t have to worry about visiting the bank for enquiring about offered services, pin re-generation, requesting a new cheque book etc.
• Free e-Statement: Sharjah Islamic Bank Platinum Credit Card provides the cardholder with the option of availing free account statement. The e-statement is electronically delivered in a PDF format on a monthly or quarterly basis. The card member can download, print and save it for future use. The facility of e-statement is offered free of cost.
• Free SMS Notifications: With SMS notifications, the cardholder can keep a track of the transactions made using their credit card. They get transaction alerts on the phone on a real-time basis. Thanks to this notification facility, Sharjah Islamic Bank Platinum Credit card member can use their card in a safe and secure way.
• Convenient Payment Methods: The Sharjah Islamic Bank Platinum Credit Card member can pay their credit card bills easily at CCDMs and Al Ansari Exchange.
• International Transactions: Credit cards have made the international travel experience more convenient than ever. Sharjah Islamic Bank Platinum credit card can be used easily used for international transactions during a foreign trip.
• Credit Limit Increase: Sharjah Islamic Bank Platinum credit card member can get their credit limit increased on a permanent or temporary basis.
• Special Offers: The cardholder can make the most of promotional offers from Sharjah Islamic Bank Platinum credit card. It goes without saying that the joy of spending magnifies with lucrative offers of this card. The card member can avail special offers across various types of spend categories and save more with these customized offers.

Sharjah Islamic Bank SMILES Credit Card

Sharjah Islamic Bank SMILES Credit Cards are designed keeping the integral financial needs of credit card applicants in mind. It provides them with the much-needed financial liberty.

With the innovative SMILES rewards program, the cardholder can earn reward points that can be redeemed in various ways such as booking hotel stays, airline tickets, paying for online shopping, car rental services and more.

Features of SMILES Rewards Program

• The SMILES card member is eligible to fly for free with more than 300 airlines worldwide.
• The card member can stay for free in more than 300,000 hotel properties around the globe.
• The card member can enjoy shopping with SIB online shop and choose from more than 13,000 products.
• The card member can redeem SMILES points for gift vouchers at selected stores- com and Sharaf DG, to name a few.

On the basis of their credit card expectations, the credit card applicant can choose from two variants of SMILES credit card offered by Sharjah Islamic Bank- Titanium and World.         

4.1 Sharjah Islamic Bank Titanium SMILES Credit Card

Sharjah Islamic Bank Titanium SMILES Credit Card offers best credit card rewards and offers. The accumulated SMILES points can be redeemed in a variety of ways, ranging from airline tickets and cab rental services to hotel bookings etc.

Features and Benefits

1. For every 2 dirhams spent on local purchases, the cardholder will earn 1 SMILES.
2. For every 2 dirhams spent on international purchases, the cardholder will earn 2 SMILES.
3. The cardholder can avail complimentary unlimited lounge access at 12 major airports across the Middle East.
4. With Titanium SMILES credit card offered by Sharjah Islamic Bank, there are no blackout dates.
5. The card offers instant cash availability.
6. With SIB Offers mobile app, the card member can make the most of exclusive offers and discounts available both locally and globally.
7. One of the leading service providers in the region-Careem in association with Sharjah Islamic Bank Credit Card offers a discount on chauffeur rides.
8. The cardholder can access hundreds of complimentary offers with the help of MasterCard Buy 1 Get 1 mobile app.

4.2 Sharjah Islamic Bank World SMILES Credit Card

When an applicant signs up for Sharjah Islamic Bank World SMILES Credit Card, they become eligible to earn 50,000 Bonus Smiles that can be availed for purchases amounting to AED 20,000 made within 90 days of issuance.

 Features and Benefits

1. For every 2 dirhams spent on local purchases, the cardholder will earn 1.5
2. For every 2 dirhams spent on international purchases, the cardholder will earn 3
3. The card member can avail complimentary unlimited lounge access at over 850 airports worldwide.
4. There are no blackout dates for Sharjah Islamic Bank World SMILES Credit Card
5. Using the SIB Offers mobile app, the card member can make the most of exclusive offers and discounts available both locally and globally.
6. One of the leading service providers in the region- Careem discount on chauffeur rides for Sharjah Islamic Bank World SMILES Credit Card
7. The cardholder can avail hundreds of complimentary offers with the help of MasterCard Buy 1 Get 1 mobile app.
8. The cardholder can avail complimentary hotel nights at Starwood Hotels & Resorts.
9. The card member can grab the best deals and discounts travel booking made through com.
10. The cardholder can avail discount on the luxury serviced apartment using this card.
11. The cardholder can make the most of Hertz Gold Plus Rewards® Five Star Membership with this card.
12. The cardholder can avail discounts on priority consideration visa service (fast-track).
13. The cardholder can avail tantalising spa sessions at Raffles, Fairmont, and Swissôtel.
14. Sharjah Islamic Bank World SMILES Credit Card member can avail international myUS Premium shipping discounts.
15. The cardholder can avail travel discomfort and cancellation insurance, travel accident, and medical insurance.

Documents Required for  Sharjah Islamic Bank Credit Card

Here are the required documents:

1. A duly filled credit card application as per the bank’s guidelines without leaving any room for factual inaccuracy or typographical error.
2. Passport & Emirates ID copy
3. Valid residence visa (for expats)
4. Bank statement (three months)
5. Salary slip
6. Salary certificate

How to apply for Sharjah Islamic Bank Credit Cards?

Applying for Sharjah Islamic Bank Credit Cards Online

The applicant can log on to SIB online banking’s website and apply for their preferred Sharjah Islamic Bank Credit Card by clicking on the Apply button. Upon clicking on the button, the applicant will be redirected to an online form. They need to duly fill in the form and submit it. Once the form is submitted, the bank agents will contact the applicant.

Note- In order to make sure their application doesn’t get rejected, the applicants must check the eligibility criteria.

Sharjah Islamic Bank Credit Cards Charges and Profit Rate

a. For Smiles World MasterCard

1. For the primary card, the chargeable annual fee is AED 525. The supplementary card comes free of cost.
2. The applicable profit rate per month is 2.49 %.

b. For Smiles Titanium MasterCard

1. For both primary and supplementary cards, no annual fee is charged.
2. The applicable profit rate per month is 2.49 % 

How to Cancel a Sharjah Islamic Bank Credit Card?

The cardholder can notify the bank in writing to close the card account at any moment. They must clear all the outstanding bill and handle all cards (primary as well as supplementary if any) cut in half, back to the bank. The account shall be closed when the cardholder clears their outstanding dues.

Reasons to Opt for Sharjah Islamic Bank Credit Cards

Founded in 1975, the Sharjah Islamic Bank has carved a niche for itself by offering innovative banking solutions with its in-depth understanding of the UAE market. While there are a plethora of reasons credit card applicants in the UAE to opt for a Sharjah Islamic Bank Credit Card, the ones that deserve special mention are mentioned below:

Hallmark of Excellence

The Sharjah Islamic Bank has been awarded several times for offering the best credit cards in UAE. That’s why the Sharjah Islamic Bank Credit Cards are preferred by a majority of credit card applicants as they offer better rewards and benefits at a much lower cost as compared to other banks.

Islamic Practise

The bank offers financial products as per Islamic principles of trust, partnership, and equality.

Wide Range of Services

With the wide range of Sharia-compliant products and services and customer-centric approach, SIB offers world-class products and services to its customers.

The bank serves as a perfect example of serving customers by offering of an array of Sharjah Islamic Bank Credit Cards.

Sharjah Islamic Bank Credit Card Frequently Asked Questions

Question 1- What is a supplementary credit card?

Answer- Supplementary credit card is an additional card that can be availed by the eligible family member(s) of the primary credit cardholder. Also known as add-on card, this card is not much different from the primary credit card. All fees and expenses are incurred on the primary credit card instead of supplementary cards. The primary cardholder can set sub-spending limits on the supplementary card based on their discretion. All Sharjah Islamic Bank Credit Cards come with the option of availing supplementary credit cards.

Question 2- What is a late payment fee?

Answer- Typically, a credit cardholder is charged an annual membership fee and interest on credit card debt if they fail to pay their credit card bill before the due date. It is advised to make credit card payments on time because late fees negatively impact the credit ratings of the customer even if all outstanding dues are later paid in full.

Question 3- What is a credit card over-limit fee?

Answer- The cardholder is charged an over-limit fee if the balance of the credit card exceeds the set credit limit.

Question 4- What is a cash advance?

Answer- The cardholder can also opt for short term cash loans known as cash advances using their credit card. Noteworthy here is that the issuer charges high-interest rates on such cash advances.