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Apply and Enjoy!

100% Cashback

Get up to AED 1,000 on your FIRST transaction

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Cashback Card
Smiles Cards

Spend BIG, Earn BIGGER!

Our Card Benefits

  • 10%* Cashback on local and international purchases through online, saved cards on websites and apps, Samsung Wallet, and Apple Pay
  • 2% unlimited cashback on international retail spends
  • 1% unlimited cashback on domestic retail spends
  • 0.5% unlimited cashback on all utility, telecom, supermarkets, hypermarkets, government and education payments

And Much More...

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Start earning with Smiles Covered Card! Apply and get 50,000 Bonus Smiles*

How many Smiles do you have?

 
2k
4k
8k
16k
32k
64k
128k

Smiles earned

this can earn me

Gift Vouchers (Zara, Sharaf DJ, Magic Planet, Tribes & more)

Airlines Tickets (to London, Manama, Karachi, Boston & more)

5-star hotel stays (Atlantis, Raffles, Four Seasons, Sofitel & more)

Cashback (AED 100 to AED 500)

Online Shopping (electronics, headphone, smartphone & more)

Learn more

Cashback features and benefits

Warning: If only the minimum repayment/payment is made each period, you will pay more in profit/fees and it will take longer to pay off your outstanding balance.

Smiles World features and benefits

Transfer your outstanding card balance from other banks and repay in installments

Learn more

Convert your purchases and pay in easy installments for up to 12 months

Learn more

Need urgent cash? Get "Easy Cash"

Learn more

Add-ons and bonus features

VIP lounge access in 

12

 key airports cross the Middle East

Explore Unlimited & Complimentary 

Mastercard
Offers

Convenient utility
bill payments with SIB Digital App

Required Documents

    Salaried Customers:

    • Application form
    • Passport & Emirates ID copy
    • Valid residence visa for expats
    • Proof of income
    • Salary slip

    Self Employed Customers:

    • Application form
    • Passport & Emirates ID copy
    • Proof of income
    • Valid trade license
    • Memorandum of association/Partnership agreement/ Power of attorney (if applicable)

What would you like to do?

Give us feedback

Write to us and we will get back to you soon.

Apply for a card

Sign up by filling out an online application.

Compare Cards

We can help you choose the ideal option according to your lifestyle and needs.

Frequently asked questions

Do I need to register to receive the cashback points?

No, you are automatically enrolled in Cashback program once you activate the card.

All transactions made online or via wallets (Apple Pay or Samsung Wallet) whether domestically or internationally shall earn 10%* Cashback except utilities, telecom, supermarket and education.

*up to AED 300 per month

Cashback is calculated once the statement is generated. You can redeem the points earned on the previous statements if total points is equivalent to or greater than AED 100. Redemption can be done through Online & Mobile Banking “SIB Digital” or by calling 065999999.

No, you earn points on every purchase transaction.

Cashback points will not be considered as card payment, it will be credited against the outstanding balance, therefore, it will not offset the minimum payment that you’re supposed to pay against the card.

You must spend AED 10,000 or above to qualify for the waiver. This excludes Balance Transfer, Cash Advances or fees.

Cashback must be redeemed within 36 months from the date you made the transaction.

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