- Annual fee
- AED 525
- Minimum monthly salary
- Not published
- Welcome bonus
- 50,000 bonus Smiles when you spend AED 20,000 within 90 days.
AED 525 a year (incl. VAT)
Our take
A covered card earning 3 Smiles per AED 2 abroad and 1.5 at home, with a 50,000-Smiles welcome bonus.
Good for
Travellers who want an Islamic card with lounge access.
Watch out for
AED 525 a year; the welcome bonus needs AED 20,000 spend in 90 days.
Written by Joe Hickman from Sharjah Islamic Bank's published terms. Not personal advice.
What it's worth in practice
On AED 10,000 a month (AED 8,000 at home, AED 2,000 abroad) you'd earn 6,000 + 3,000 Smiles: about 9,000 a month, or 108,000 a year. On the same spending, SIB's free Smiles Titanium would earn 72,000, so the World adds about 36,000 Smiles a year for its AED 525 fee. Spend AED 20,000 in the first 90 days and you'd also get 50,000 bonus Smiles. If your spending runs through e&, the Smiles app or elGrocer, CBD Smiles Visa Signature earns 10 Smiles per dirham there for the same AED 525 and publishes an AED 5,000 salary. The catch: SIB lists no fee waiver and doesn't publish a minimum salary.
What you need
| Minimum salary | Not published by the bank |
|---|---|
| Welcome bonus | 50,000 bonus SmilesSpend AED 20,000 within 90 days (about AED 6,667 a month) |
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
Its AED 525 annual fee is higher than 31 and lower than 11 of the other 45 shopping cards with a published fee. No minimum salary is published, which is less common: 35 of 45 other shopping cards state one. It has a welcome offer right now, as do 34 of the 45 other shopping cards; this one needs AED 20,000 of spend to unlock in full. It's Shariah-compliant, one of 69 Islamic cards we list.
Sharjah Islamic Bank has 2 other cards on MoneyVS: SIB Smiles Titanium, SIB Cashback.
Compared with the 46 shopping cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
Related SIB cards side by side
This SIB Smiles World has an annual fee of AED 525, needs a Not published salary and is Shariah-compliant, and earns: 3 Smiles per AED 2 spent abroad and 1.5 per AED 2 locally. Sharjah Islamic Bank also offers:
- SIB Smiles Titanium: fee Free for life, salary Not published. Headline earn: 1 Smile per AED 2 spent locally and 2 Smiles per AED 2 abroad.
What you earn
- 3 Smiles per AED 2 spent abroad and 1.5 per AED 2 locally
- 0.75 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 World: common questions
What salary do I need for the SIB Smiles World?
Sharjah Islamic Bank doesn't publish a minimum salary for this card. Check with the bank before you apply.
Does the SIB Smiles World have an annual fee?
Yes, AED 525.
How do I get the SIB Smiles World welcome bonus?
50,000 bonus Smiles: spend AED 20,000 within 90 days.
Is the SIB Smiles World Islamic?
Yes. It is a Shariah-compliant (covered) card.
Is the SIB Smiles World worth AED 525 over the free Titanium?
It earns 50% more Smiles on every dirham. On AED 10,000 a month that's about 36,000 extra Smiles a year. Whether that beats AED 525 depends on what Smiles are worth to you in the Smiles app.
How do I get the 50,000 bonus Smiles?
Spend AED 20,000 within 90 days of the card being issued.
Compare with
- CBD Smiles Visa Signature: the closest alternative
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