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Frequently Asked Questions

 

Frequently Asked Questions for Smiles Titanium Covered Card:

  1. What is the Titanium Smiles Covered Card?
    The Titanium Smiles Covered Card is a sharia-compliant Covered Card offered by SIB. It allows you to earn Smiles points on your purchases, which can be redeemed for airline tickets, hotel stays, cashback, gift vouchers, and more.

  2. How do I earn Smiles points?
    Smiles points are awarded on all qualifying retail transactions.

  3. What can I redeem my Smiles points for?
    You can redeem your Smiles points for airline tickets, hotel stays, cashback, and gift vouchers.

  4. How do I redeem my Smiles points?
    Visit www.SIBSmiles.com to redeem your points instantly.

  5. Is the card sharia-compliant?
    Yes, all SIB Covered Cards are sharia-compliant.

  6. What are the key benefits of the card?

    • Earn 1 Smiles point for every AED 2 spent locally.
    • Earn 2 Smiles points for every AED 2 spent internationally.
    • Earn 0.5 Smiles points for every AED 2 spent on education, government services, utilities, and supermarkets.
    • Enjoy free unlimited lounge access at 10 key middle east airports.

  7. Does the card have an annual fee?
    No, the Titanium Smiles Covered Card is free for life.

  8. What are the charges for this card?
    For a detailed breakdown of fees, please refer to the Smiles Titanium key fact statement available at www.SIB.ae.

  9. Can I apply for supplementary cards for my family members?
    Yes, supplementary cards are available for immediate family members.

  10. Does the card offer travel perks?
    Yes, you’ll enjoy free unlimited lounge access at 10 key middle east airports. Additionally, explore more travel benefits through the Mastercard travel pass app.

  11. How can I apply for the card?
    You can apply for the Titanium Smiles Covered Card by visiting your nearest SIB branch.

  12. Is there a minimum income requirement?
    Yes, the minimum income required to apply is AED 6,000.

  13. How can I check my Smiles points balance?
    Log in to www.SIBSmiles.com to view your Smiles points balance.

  14. Is there a limit to earning Smiles points?
    Yes, points are capped based on your card limit.

  15. What should I do if my card is stolen or lost?
    You can block your card through the SIB Digital App:

  • Log in to the app.
  • Go to the "service request" or "Covered Card" section.
  • Select "block/report lost card." Alternatively, contact our call center at +971 6 5999999 for assistance.

  1. What is the difference between the Titanium and World Smiles Covered Cards?
    The main difference lies in the rewards structure and the additional benefits offered by Mastercard.

  2. How many points do I need for AED 100 cashback?
    5,000 Smiles points equal AED 100 cashback.

  3. Can I buy additional Smiles points?
    Yes, you can purchase additional Smiles points to redeem for your desired products or services.

  4. What is the administration fee for non-AED transactions?
    A 2.5% administration fee is charged, in addition to standard Mastercard or Visa fees.

  5. Are there charges for cash withdrawals using my Smiles card?
    Yes, a 3.15% fee (minimum AED 78.75) applies to cash withdrawals.

  6. What lounges are accessible with the card?
    Enjoy complimentary lounge access at 10 key middle east airports. For details on lounges, visit Mastercard travel pass.

  7. How much do I need to spend to get the introductory 50,000 bonus Smiles?
    No introductory spending is required to receive the bonus Smiles points.

  8. What payment methods are available for the Smiles Covered Card?
    You can make payments through:

  • Direct debit from your salary account
  • Online transfer through SIB’s website or mobile app
  • Phone banking transfer
  • SIB branch network
  • CCDMs.
  1. Where can I manage my Smiles points statement?
    You can view and manage your statement through:
  • The SIB Digital App under the "Smiles points redeem" tab.
  • Your online account at www.SIBSmiles.com.

  1. Where can I find my Smiles account number and loyalty ID?
    Your Smiles account number and loyalty ID are displayed on your card. Use these credentials to log in at www.SIBSmiles.com.

  2. What is the billing cycle for the Smiles Covered Card?
    The billing cycle date is the 28th of each month, with payment due by the 14th of the following month.

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