UAE banking guide

Sharjah Bank Credit Cards UAE

Compare Bank of Sharjah and Sharjah Islamic Bank card products, fees, benefits, and official sources.

SIB Cashback Covered Card card image SIB Smiles World Mastercard card image SIB Smiles Titanium Mastercard card image SIB Smiles Visa Platinum Covered Card card image Bank of Sharjah Classic Credit Card card image Bank of Sharjah Gold Credit Card card image
Written by Nahid Perween

Dubai · Banking and Credit Cards Expert

Sharjah-related card searches can refer to Bank of Sharjah or Sharjah Islamic Bank, so compare by full bank name and exact card name.

What this means for you

Similar search terms can point to different institutions. That matters because fees, eligibility, and Islamic/conventional product structures can differ.

A simple way to decide

  1. 1 Bank of Sharjah
  2. 2 SIB
  3. 3 Exact card

Before you apply

  • This guide groups Sharjah-related card records in one place.
  • Check whether the product is Islamic, conventional, personal, or business before applying.
  • Open the official source for the latest fees.

Words you may see

Annual fee
The standard yearly charge for keeping the card.
APR
The yearly borrowing rate if you carry an unpaid card balance.
KFS
The Key Facts Statement: a bank document listing important fees, rates, and risks.

Cards worth checking for this need

These are useful starting points from the cards in the comparison table. They are not paid placements or promises of approval.

SIB Cashback Covered Card cardSharjah Islamic BankSIB Cashback Covered Card

The bank publishes cashback categories or rates

Salary
AED 5,000
Annual fee
AED 199
Cashback
10% cashback on online purchases, saved cards on websites and apps, Samsung Wallet, and Apple Pay locally and internationally, excluding utility, telecom, government, supermarket, hypermarket, and education payments; monthly cap AED 300
Published reward
2% cashback on international retail spends made outside the UAE in foreign currency; no cap
View detailsOfficial pageKey facts

Official sources used

These bank pages, Key Facts Statements, fee schedules and terms support the product details in this guide. Open the latest version before applying.

Compare options

Top Sharjah Bank Credit Cards UAE to compare

Select Product Bank Annual feeSalaryAPRCashback*RewardsNetwork Details
SIB Cashback Covered Card product image SIB Cashback Covered CardCashback · Lounge · Groceries Sharjah Islamic Bank AED 199AED 5,00041.88% APR
  • 10% cashback on online purchases, saved cards on websites and apps, Samsung Wallet, and Apple Pay locally and internationally, excluding utility, telecom, government, supermarket, hypermarket, and education payments; monthly cap AED 300
  • 2% cashback on international retail spends made outside the UAE in foreign currency; no cap
  • 1% cashback on domestic retail spends made in the UAE; no cap
  • 0.5% cashback on utility, telecom, government, supermarket, hypermarket, and education payments made inside or outside the UAE, excluding online and mobile-banking transactions; no cap
  • SIB Cashback Covered Card is a Sharia-compliant cashback card with 10% cashback on online and wallet spend, 2% on international retail, 1% on domestic retail, and 0.
  • The SIB Cashback Covered Card provides 10% cashback on eligible purchases, access to airport lounges, and is Mastercard compatible.
Cashback iconLounge iconGroceries iconTravel iconIslamic iconLow fee iconMastercard Details
SIB Smiles World Mastercard product image SIB Smiles World MastercardCashback · Miles · Lounge Sharjah Islamic Bank AED 525AED 5,00029.88% APR
  • The SIB Visa Infinite Covered Card provides premium benefits including 10% cashback, airport lounge access, rewards program, and coverage benefits.
Cashback iconMiles iconLounge iconGroceries iconTravel iconIslamic iconMastercard Details
SIB Smiles Titanium Mastercard product image SIB Smiles Titanium MastercardMiles · Lounge · Groceries Sharjah Islamic Bank AED 0AED 5,00029.88% APR
  • The SIB Visa Signature Covered Card provides rewards, airport lounge access, and cashback benefits.
Miles iconLounge iconGroceries iconTravel iconIslamic iconLow fee iconMastercard Details
SIB Smiles Visa Platinum Covered Card product image SIB Smiles Visa Platinum Covered CardMiles · Groceries · Islamic Sharjah Islamic Bank AED 041.88% APRMiles iconGroceries iconIslamic iconLow fee iconVisa Details
Bank of Sharjah Classic Credit Card product image Bank of Sharjah Classic Credit CardEveryday banking Bank of Sharjah AED 250AED 5,00015% APRVisa Details
Bank of Sharjah Gold Credit Card product image Bank of Sharjah Gold Credit CardEveryday banking Bank of Sharjah AED 450AED 5,00015% APRVisa Details

APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.

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Comparison table

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Check before you apply

UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.