- Annual fee
- Free for life
- Minimum monthly salary
- Not published
- Welcome bonus
- None listed right now
Free for life
Our take
A free-for-life Islamic card earning Smiles points on local and international spend.
Good for
People who want a no-fee covered card and use Smiles.
Watch out for
Earn rates are modest and lounge access is limited to regional lounges.
Written by Joe Hickman from Sharjah Islamic Bank's published terms. Not personal advice.
What it's worth in practice
This free Islamic card earns Smiles, the e& rewards currency. Spend AED 5,000 a month at home and AED 1,000 abroad and you'd collect 2,500 + 1,000 Smiles: about 3,500 a month, or 42,000 a year. SIB doesn't publish an AED value for Smiles on the card page, so check the Smiles app before comparing it with cashback. It suits someone who already uses Smiles for food delivery and e& bills and wants a card with no fee. SIB Smiles World earns 50% more Smiles on every dirham for AED 525 a year and comes with a welcome bonus. The catch: lounge access is limited to regional lounges, and SIB doesn't publish a minimum salary.
What you need
| Minimum salary | Not published by the bank |
|---|
Taken from Sharjah Islamic Bank's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
It's one of 22 free-for-life shopping cards on MoneyVS, out of 46. No minimum salary is published, which is less common: 35 of 45 other shopping cards state one. It has no welcome offer listed right now; 35 of the 45 other shopping cards do. It's Shariah-compliant, one of 69 Islamic cards we list.
Sharjah Islamic Bank has 2 other cards on MoneyVS: SIB Smiles World, SIB Cashback.
Compared with the 46 shopping cards on MoneyVS, using each bank's published figures as of 24 Oct 2026.
Related SIB cards side by side
This SIB Smiles Titanium has no annual fee, needs a Not published salary and is Shariah-compliant, and earns: 1 Smile per AED 2 spent locally and 2 Smiles per AED 2 abroad. Sharjah Islamic Bank also offers:
- SIB Smiles World: fee AED 525, salary Not published. Headline earn: 3 Smiles per AED 2 spent abroad and 1.5 per AED 2 locally.
What you earn
- 1 Smile per AED 2 spent locally and 2 Smiles per AED 2 abroad
- 0.5 Smiles per AED 2 on education, utility and government bills
Included benefits
- Airport lounges
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
SIB Smiles Titanium: common questions
What salary do I need for the SIB Smiles Titanium?
Sharjah Islamic Bank doesn't publish a minimum salary for this card. Check with the bank before you apply.
Does the SIB Smiles Titanium have an annual fee?
No. The bank says it is free for life.
Is the SIB Smiles Titanium Islamic?
Yes. It is a Shariah-compliant (covered) card.
How many Smiles does the SIB Smiles Titanium earn?
1 Smile per AED 2 spent in the UAE, 2 Smiles per AED 2 abroad, and 0.5 Smiles per AED 2 on education, utility and government bills.
Does the SIB Smiles Titanium include lounge access?
Yes, but SIB limits it to regional lounges.
Compare with
- SIB Smiles World: the closest alternative
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