Every journey deserves something extra.
Turn your travel spend into more opportunities to win.
Spend AED 1,000 or more on eligible travel and international transactions using your SIB Mastercard Covered Card and automatically enter the Journey to Rewards draw.
You could be one of 7 winners to receive:
- 50% Cashback on eligible travel and international spend (5 winners)
- iPhone 17 (256GB) (2 winners)
The more you spend internationally, the more chances you have to win earn one additional draw entry for every USD100 spent internationally.
Plus, enjoy a complimentary one-way UAE airport transfer when you purchase an eligible airline ticket worth AED1,000 or more.
Offer valid until 15 September 2026.
*T&Cs Apply.
Product Information
Related Documents
Warning: If only the minimum payment is made each period, you will pay more in profit and it will take longer to pay off your outstanding balance. |
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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...
Apply Now
Start earning with Smiles Covered Card! Apply and get 50,000 Bonus Smiles*
How many Smiles do you have?
Smiles earned
this can earn me
Gift Vouchers (Zara, Sharaf DG, 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)
Add-ons and bonus features
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.
Shall I earn 10% on all transactions made online or via wallets (Apple Pay or Samsung Wallet)?
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
Can I redeem the points on whatever I spend during the 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.
Is there a minimum spend to qualify for the Cashback?
No, you earn points on every purchase transaction.
Can I make payments on the card using the Cashback points?
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.
How much do I need to spend to qualify for fee waiver second year onward?
You must spend AED 10,000 or above to qualify for the waiver. This excludes Balance Transfer, Cash Advances or fees.
When do the Cashback points expire?
Cashback must be redeemed within 36 months from the date you made the transaction.
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