Sharjah Islamic Bank Titanium Smiles Credit Card

Sharjah Islamic Bank Titanium Smiles Credit Card

The Sharjah Islamic Bank Titanium Smiles Credit Card is designed keeping the financial needs of its credit card applicants in mind. This Sharjah Islamic Bank Credit Card offers its cardholder required financial liberty. With the innovative & unique SMILES rewards program, the cardholder can earn ‘Smiles’ points that can easily be redeemed for flight tickets, hotel stays, can rental services, electronics, and much more.

Features & Benefits of the Sharjah Islamic Bank Titanium Smiles Credit Card

Listed below are the main features & benefits of the Sharjah Islamic Bank Titanium Smiles Credit Card:

  • Unlimited Lounge Access: The cardholder can avail free unlimited lounge access in 12 key airport lounges across the Middle East.
  • No-Blackout Dates: No ‘black-out dates’ with the Sharjah Islamic Bank Titanium Smiles Credit Card. In addition to this, there is no cash payment neither for taxes nor surcharges.
  • Instant Cash: This Sharjah Islamic Bank Credit Card offers instant cash in times of financial needs.
  • Discount on Careem Rides: The cardholder can enjoy discounted Careem Chauffeur rides.
  • Balance Transfer: Member of this credit card can easily consolidate & transfer the outstanding balance of all their credit cards to this card and enjoy low-profit rates as well as easy installments up to 24 months.
  • Easy Pay: The cardholder can easily convert their credit card purchases into easy to pay monthly installments for a maximum of 12 months.

Rewards & Offers of the Sharjah Islamic Bank Titanium Smiles Credit Card

Member of the Sharjah Islamic Bank Titanium Smiles Credit Card is enrolled in the ‘Smiles Loyalty Program’. With this program, the cardholder can earn ‘Smiles Points’ on every transaction made with the card.

Category Amount Spent (in AED) Smiles Points
Local 2 1
International 2 2
Education, Utility & Government Bills 2 0.5


 Redemption of Smiles Points:

  • Member of this Sharjah Islamic Bank Credit Card is eligible to ‘Fly for free’ with over 300 airlines globally.
  • The cardholder can stay for free in over 300,000 hotel properties across the globe
  • Member of the Sharjah Islamic Bank Titanium Smiles Credit Card can enjoy shopping with ‘SIB online shop’ and pick from the 13,000 products.
  • The cardholder can easily redeem the ‘Smiles Points’ for vouchers at their favorite stores, Souq.com, & Sharaf DG.

Fees & Charges of the Sharjah Islamic Bank Titanium Smiles Credit Card:

Here are the fees & charges associated with the Sharjah Islamic Bank Titanium Smiles Credit Card:

Description Charges
Annual Membership Fee (Primary/Supplementary Card) Free
Card Replacement Charges 78.75 AED
Cash Withdrawal Charge 3.15 Percent (minimum 78.75 AED)
Processing Charge for non-AED Transactions 2.5 Percent
Late Payment Charge 225 AED
Standing Order Declined Due To Low Funds 25 AED
Purchase Slip Copy 68.25 AED
Duplicate Statement Charge 47.25 AED
Liability or No-Liability Certificate Charge 52.5 AED


Required Documents:

In order to complete the credit card application, the applicant is required to submit the following documents:

  • Emirates ID & passport copy
  • Valid resident visa (for expatriates)
  • Completed application form
  • Salary Slips
  • Salary Certificate
  • Bank Statement of the last three months

Additional Benefits of Sharjah Islamic Bank Titanium Smiles Credit Card

The Sharjah Islamic Bank Titanium Smiles Credit Card offers some additional benefits also. Here are the few ones:

  • Member of this Sharjah Islamic Bank Credit Card can enjoy hundreds of offers with ‘MasterCard Buy One, Get One Mobile App’ which can easily be downloaded through Google Play & App Store.
  • The cardholder can avail some exceptional discounts & offers across the UAE as well as abroad through the ‘SIB Offers Mobile App’.