United Arab Emirates · 6 cards
Every Shariah-compliant card Sharjah Islamic Bank currently offers, with the contract behind each one and the fee schedule it came from.
A fully Islamic bank — every product it offers is Shariah-compliant.
6 active consumer covered cards + 2 discontinued Visa credit cards. SIB markets all its credit cards as 'Covered Cards' built on a Murabaha (tawarruq on National Bonds) plus Wakala-investment structure rather than the Ujrah fixed-fee model used by most UAE Islamic issuers. Late-payment charges are called 'Commitment to Donate' and are paid to charity. SIB closed its conventional-style Visa credit cards on 31 December 2024.
Sharjah Islamic Bank
Cashback Covered Card (Titanium)
10% cashback on online and digital-wallet spend, capped at AED 300 a month
Full breakdown
Sharjah Islamic Bank
Smiles Excellence World Covered Card
3 Smiles per AED 2 spent internationally, 1.5 Smiles per AED 2 locally, with 8 complimentary lounge visits
Full breakdown
Sharjah Islamic Bank
Smiles Titanium Covered Card
2 Smiles per AED 2 spent internationally, 1 Smiles per AED 2 locally
Full breakdown
Sharjah Islamic Bank
Smiles Visa Platinum Covered Card
2 Smiles per AED 2 spent internationally, 1 Smiles per AED 2 locally, free for life
Full breakdown
Sharjah Islamic Bank
Smiles World Covered Card
3 Smiles per AED 2 spent internationally, 1.5 Smiles per AED 2 locally, plus 50,000 bonus Smiles
Full breakdown
Sharjah Islamic Bank
Smiles World Elite Covered Card
3 Smiles per AED 2 spent internationally, 1.5 Smiles per AED 2 locally, on SIB's top tier
Full breakdown
Sharjah Islamic Bank
Classic Visa Credit Card
Full breakdown
Sharjah Islamic Bank
Platinum Visa Credit Card
Full breakdown