Sharjah Islamic Bank Smiles Titanium Credit Card Sharia-compliant
A Sharia-compliant credit card by Sharjah Islamic Bank earning up to 1 point per AED on international spend.
Free
Up to 1 pts/AED
AED 5,000
3.65%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international transactions and want a Sharia-compliant card with no fee.
Not ideal if
You spend mostly on groceries, utilities, or education with minimal international purchases.
Watch out for
The 3.65% FX markup reduces the net value of international spend rewards significantly.
Calculate This Card’s Value
Earning Rates
1 pts/AED
0.5 pts/AED
0.25 pts/AED
0.25 pts/AED
0.25 pts/AED
Key Strengths and Weaknesses
Strengths
No annual fee makes the card cost-free to hold and use.
Earns 1 point per AED on all international transactions with no cap.
Sharia-compliant structure for customers seeking Islamic banking products.
Accessible AED 5,000 minimum salary requirement for mid-income earners.
Watch out for
Only 0.25 points per AED on groceries, utilities, and education spending.
3.65% FX markup significantly reduces value on international transactions.
Low baseline earn rate of 0.5 points per AED on most domestic spending.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for this card?
No, the Sharjah Islamic Bank Smiles Titanium Islamic Credit Card has no annual fee, making it free to hold.
How many points do I earn on international spending?
You earn 1 point per AED on all international transactions with no monthly cap.
Does this card earn points on school or university fees?
Yes, education spending earns 0.25 points per AED, though this is lower than the international and general spend rates.
What is the foreign exchange markup on this card?
The FX markup is 3.65%, which applies to all international and foreign currency transactions.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.