Sharjah Islamic Bank Smiles World Credit Card Sharia-compliant
A Sharia-compliant credit card by Sharjah Islamic Bank earning up to 1.5 points per AED on international spend.
AED 525.00
Up to 1.5 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 purchases and want a Sharia-compliant rewards card.
Not ideal if
You spend mainly on groceries, utilities, or education with minimal international transactions.
Watch out for
AED 525 annual fee unless you spend AED 50,000 yearly to waive it.
Calculate This Card’s Value
Earning Rates
1.5 pts/AED
0.75 pts/AED
0.375 pts/AED
0.375 pts/AED
0.375 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.5 points per AED on international spend with no cap.
50,000 Smiles welcome bonus after spending AED 20,000 in 90 days.
Annual fee waived if you spend AED 50,000 or more yearly.
Sharia-compliant card with lounge access included.
Watch out for
Groceries, utilities, and education earn only 0.375 points per AED.
AED 525 annual fee if you don't meet AED 50,000 spend threshold.
3.65% foreign exchange markup adds cost on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the AED 525 annual fee worth it?
The fee is waived if you spend AED 50,000 or more per year. If you spend less, you'll need significant international purchases at 1.5 points per AED to offset the cost, as domestic categories earn much lower rates.
How does the welcome bonus work?
You earn 50,000 Smiles points when you spend AED 20,000 within the first 90 days of card issuance. This bonus can help offset the annual fee in your first year.
Does this card earn well on groceries and utilities?
No. Groceries, utilities, and education earn only 0.375 points per AED, half the baseline 0.75 points per AED rate. This card is designed for international spend, not everyday domestic categories.
Can I use this card abroad?
Yes. International transactions earn 1.5 points per AED, the highest rate on this card. However, a 3.65% foreign exchange markup applies to all foreign currency purchases.
Is this card Sharia-compliant?
Yes. The Sharjah Islamic Bank Smiles World Islamic Credit Card is a Sharia-compliant product, suitable for customers seeking Islamic banking solutions.