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Cashback Card

Cashback has never been more rewarding!

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.

Cashback Card

Spend BIG, Earn BIGGER!

Welcome to the 'Cashback' Card that is crafted to give back. Apply for this card to pay for your daily spends and we will reward you with maximum Cashback.

- 10%* Cashback on local and international purchases through online, saved cards on websites and apps, Samsung Pay, 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


*Up to AED 300 monthly
*2nd year onwards AED 199 waived upon spending a minimum of AED 10,000 during the previous year

Cashback features and benefits


Cashback Card
CategoryCashback RateMonthly Cap
Online purchases, saved cards on websites and apps payments, Samsung Pay and Apple Pay (excluding utility ,telecom, government, supermarket, hypermarket, & education payments; whether made inside or outside the UAE,)
10%AED 300
International Retail Spends (spends made outside UAE in foreign currency)
2%No Cap
Domestic Retail spends (spends made in UAE)
1%No Cap
Utility ,telecom, government, supermarket, hypermarket, & education payments (whether made inside or outside UAE)
0.5%No Cap


Cashback Card Monthly Spend Example
Transaction DescriptionMonhly SpendsCashback RateCashback Points*/AED
Daily lunch/dinner from Deliveroo. Talabat/ Zomato2,00010%200
Shopping on Amazon with Apple Pay/ Samsung Pay (4 times/month)1,00010%100
Utilities & Phone bill payments (Salik/DEWA/Du/Etisalat2,0000.5%10
Mall Shopping2,0001%20
Any shopping payment made over payment machines outside UAE2,0002%40
Total Monthly Spends (AED)9,000 370
10% Off

Cleartip.com travel discount

Buy 1 Get 1 Free Ticket

at Cinepolis Cinema, Sharjah Oasis Mall

Buy 1 Get 1 Free offers

Up to 2 VOX Cinema tickets monthly

Chauffeur rides

Discounted Uber rides

Cash

Withdraw up to 80% of your balance

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
across the Middle East

Convenient utility
bill payments with SIB Digital App

Pay on the go
with Apple Pay
and Samsung
Pay

Easy Payment Plans at over 100 outlets!

Enjoy convenience and total peace of mind

Your Cashback Mastercard is equipped with a wide range of exclusive features. These are specificallly designed to allow you to get down to the business of enjoying your card's many benefits – anytime, anywhere.

Balance transfer
24-hour call center
Easy Cash
Mastercard Offers
Easy Pay
SMS alerts
Worldwide Access

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 Pay) 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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