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Sharjah Government Waffer Program

For Sharjah Government employees with "Waffer" membership

Special Package

Being a Sharjah Government employee and “Waffer” program member, we are pleased to offer you an exclusive package with products and services that is designed to fulfill all your banking needs.

Transfer your salary now and enjoy a host of exclusive benefits:
• Up to AED 1,000 Cash Joining bonus on salary transfer (new customers only)
• Zero minimum balance on Current Account
• Free unlimited access at more than 27 key airport lounges around the world
• Free ATM withdrawals of other banks locally and internationally
• Free local and international remittances when using Online Banking
• Best competitive profit rates on finances
Personal Finance as low as 2.89%
Real Estate as low as 1.79% + 6 months EIBOR
• “Tayseer” – Advance Salary - instantly and No fee the first month (new customers only)
• “Tayseer Plus” – Qard Hasan
Get 6 multiples without profit for salary below AED 5,000
• Smiles Card
Free issuance
50,000 bonus Smiles points
Fly free on 300+ airlines, 300,000 hotel stays, Cashback and more
Buy one get one free VOX cinema tickets

Join now, visit your nearest branch or SMS "Sharjah" to 6667

Benefit from a variety of features

Cashback Card
Smiles Cards
Credit Cards
Prepaid Cards

Spend BIG, Earn BIGGER!

Our Card Benefits

  • 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

And Much More...

Apply Now

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

Check how many Smiles you can earn against your spends.


Smiles earned

You can redeem the Smiles for:

Online Shopping (electronics, headphone, smartphone & more)

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

Cashback (AED 100 to AED 500)

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

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

Learn more

Simple, convenient and flexible

Our Card Benefits

  • 100% cash withdrawal of available balance
  • Permanent/temporary credit limit increase
  • Convenient payment methods
  • International use and special offers

And Much More...

Apply Now

Manage your spending, enjoy peace of mind

Our Card Benefits

  • Retail purchases and international use.
  • Online transactions and ATM withdrawals.
  • A variety of card designs to choose from.

And Much More...

Apply Now

Enjoy convenience and total peace of mind

Your Smiles World 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.

50,000 Bonus Smiles*
Balance transfer
24-hour call center
Easy Cash
Mastercard Offers
Easy Pay
SMS alerts
Worldwide Access

Our commitment to unparalleled service

Designed around your needs... Personal Finance starting from 2.89% Apply Now

Car Finance starting from 2.79%

Apply Now

Real Estate starting from 1.79% + 6 months EIBOR (reducing p.a.)

Apply Now

How can we help you?

Get advice

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

Apply Online

Start Banking with SIB today.

Apply for a card

Sign up by filling out an online application.

Frequently asked questions

How do I sign up for Online Banking?

All you need to do is visit the Online Banking page through www.sib.ae and register as a new user of a retail account. You should have your card or account number and verification code ready to create your user ID and complete the process.

You can redeem your Smiles points for a variety of lifestyle benefits, including hotel stays, airline tickets, cashback and gift vouchers. Simply visit www.sibsmiles.com to redeem instantly.

SIB also offers the Smiles Titanium Mastercard, which has its own exclusive features. Find out more about Smiles on the Our Cards page, and compare benefits and rewards easily and conveniently.

Manage your spending and enjoy peace of mind by recharging your Prepaid Card. Enjoy retail purchases and international use, online transactions and ATM withdrawals, and a variety of card designs to choose from.

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