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 want a no-fee Sharia-compliant card and spend regularly on international purchases.
Not ideal if
You spend mostly on groceries, utilities, or education with weak earning rates.
Watch out for
The 3.65% FX markup on international transactions can reduce your rewards value.
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 it cost-free to hold and use.
Earns 1 point per AED on international spend with no cap.
Sharia-compliant structure aligns with Islamic banking principles.
Accessible AED 5,000 minimum salary requirement for eligibility.
Watch out for
Groceries, utilities, and education earn only 0.25 points per AED.
3.65% FX markup applies to all foreign currency transactions.
No welcome bonus or additional perks included with the card.
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 purchases?
You earn 1 point per AED on international spend, which is the card's highest earning rate.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
Does this card earn points on school or university fees?
Yes, education spending earns 0.25 points per AED with no cap, though this is a lower rate than general or international spend.
What is the foreign exchange markup on this card?
The card charges a 3.65% FX markup on all foreign currency transactions. Factor this cost into your international spending to assess net value.