Sharjah Islamic Bank Titanium Smiles Credit Card

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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.

Sharjah Islamic Bank Smiles Titanium Credit Card

Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Special Discounts
  • Movie Discounts
  • Airport Lounge Access
Reward Value: AED 3,246

Benefits of Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card

  • Free Annual Fee - Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card costs you zero annual fee which means that you save more on the card with maximum benefits.
  • Free air tickets with Smiles - When you redeem the smile points you earn with your Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card, you receive heavy discounts on over 300 airlines around the world. No matter you go, you can use these smiles to receive discounts. If you have an excess of smiles to your credit, you can even purchase flight tickets for free.
  • Unlimited Complimentary Lounge Access - With Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card, you receive access to 10+ airport lounges in the UAE, Jordan, KSA, Egypt, and Kuwait.
  • Complimentary stays - You can redeem your smiles to get free stays at over 300,000 hotels anywhere in the world.
  • Exclusive offers - As the privileged owner of Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card you receive Cashbacks and Gift Vouchers.
  • SIB Online Store - When you purchase Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card, you receive access to the exclusive Sharjah Islamic Bank online store. You can visit this store to purchase electronics, clothes, other items book movie tickets, air tickets, and hotel stays. Partnered with numerous brands, the SIB online store brings you the best prices.
  • Chauffeur Rides - Going somewhere? Travel with Uber and use your Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card to get discounted rates on every ride.
  • No Blackout Dates - Ever heard this-“Offer is not valid on ‘this’ day”? There are times when the offers on your credit cards do not apply. Usually, these are festivals day or some special days. However, Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card does not have a blackout date. Irrespective of the occasion, the benefits, and points offered on your credit card will be applicable on all days and you can redeem your reward points whenever you want.
  • Complimentary VOX Cinema Movie tickets - Purchase your VOX Cinema movie ticket with Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card and avail of ‘buy one get one offer’. On purchase of every Vox cinema movie ticket with your card, you receive one movie ticket free. You can use this offer up to twice a month.

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Features of Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card

  • Earn Smiles - Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card offers Smiles Points that can be redeemed to earn numerous benefits on shopping and traveling. You can up to:

Shopping type

Smile points

AED 2 spent on purchase locally

1 Smile

AED 2 spent on purchase internationally

2 Smiles

AED 2 spent on utility bill payments or education payments or government bills

0.5

  • Easy Installments - Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card provides you the comfort of making a hefty purchase now and pay to the bank later in easy installments. You can repay the debt on your credit card in up to 12 months at a low rate of interest.
  • Online Access - With the SIB digital app, you can access your Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card online via your mobile phone and operate various functions on your credit card.
  • Utility Bill Payments - Do you need to pay your utility bills using Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card? Done! Use SIB Digital App to make online payments for shopping and utility bill payments via your credit card.
  • Payment Plans at 100+ outlets - You can use payment plans offered on Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card to use facilities provided by over 100 outlets and pay the amount in installments. Some of the outlets where you can use this offer are:
  1. Tajawal:

  2. Oriana

  3. Emirates

  4. Rivoli Group

  5. Home Centre

  6. Kalyan Jewelers

  7. Emirates Holidays

  • Contactless Payments - Using the contactless payment facility offered on Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card, you can make quick payments at various merchants and online in a second. All you need to do is feed your credit card details on your phone wallet and start making quick payments easily. You can use phone wallets such as Apple Pay, Google Pay, and Samsung Pay to make payments.
  • SMS Alert - To increase your grip on your expenses, Sharjah Islamic Bank sends you an SMS alert notifying you that a transaction has been made on your Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card. This allows you to take control of expenses and keep a close eye on each bill.
  • Round the clock service - Sharjah Islamic Bank provides you 24/7 services to ensure that all your needs and concerns are addressed even in the middle of the night.
  • MasterCard benefits - Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card is a MasterCard that unlocks the true potential of a MasterCard. All the benefits provided by MasterCard apply to your credit card. These benefits make your card highly secure and allow you access to worldwide discounts and promotional offers.
  • Cash Withdrawal - Need instant cash? In case you are traveling and you are out of cash but you cannot visit your bank or ATM, you can rely on Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card for extra cash. Using this facility, you can pay your rent or insurance premium. You can withdraw AED 1,000 or more from an ATM as per your requirement up to 80% of the credit limit sanctioned on your card. You can return this amount within 24 months with easy installment plans. The fee on borrowing cash is:  

Duration

Profit Rate

Administration fees

3 Months

0%

0%

6 Months

0%

0%

12 Months

0.89%

1%

18 Months

0.79%

1%

24 Months

0.69%

1%

  • Easy Pay - Are you concerned about hefty purchases? With Easy pay options offered by Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card you can make those expensive purchases today and convert them into installments of up to 12 months to repay your debts over months at 0% interest. You can avail of this feature at Emirates, Oriana, Virgin, and over 100 other brands around the world.
  • Accepted Globally - Your Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card is accepted around the world which means that instead of carrying cash everywhere, you can simply carry this card and purchase whatever you need or pay your bills anywhere in the world.
  • Balance Transfer - In case you are stuck with a heavy debt on your credit card, you can use the balance transfer facility offered by Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card to transfer the debt from your credit card account to Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card. Using this facility, you can transfer your debt and receive more time to repay the debt. You can use up to 80% of your credit card limit for balance transfer and can repay the debt in 24 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

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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

Eligibility to purchase Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card

You are eligible to purchase Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card if:

  • You are aged 21 or above
  • You are a UAE resident
  • Your minimum salary is not less than AED 5,000

Document Required to Apply for Sharjah Islamic Bank Smiles Titanium MasterCard Credit Card

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

If you are a salaried customer you need:

  • Application Form
  • Valid Residence visa for expats
  • Salary Slip
  • Salary Slip
  • Passport and Emirates ID copy
  • Three-month bank statement

If you are self-employed you need:

  • Application form
  • Passport and Emirates ID
  • Three-month bank statement
  • Memorandum of association/partnership agreement/power of attorney (if needed)
  • Valid Trade license

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’.