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 weak earn rates.
Watch out for
AED 525 annual fee requires AED 50,000 annual spend to waive.
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 bonus Smiles for spending AED 20,000 in first 90 days.
Sharia-compliant card with lounge access included.
Annual fee waived with AED 50,000 annual spend.
Watch out for
Groceries, utilities, and education earn only 0.375 points per AED.
AED 525 annual fee if you miss the waiver threshold.
3.65% FX markup increases cost on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
How much do I need to spend to waive the annual fee?
You must spend AED 50,000 per year to waive the AED 525 annual fee. This works out to around AED 4,200 monthly on average.
What is the welcome bonus for this card?
You earn 50,000 bonus Smiles when you spend AED 20,000 within the first 90 days of card issuance.
Does this card earn points on school or university fees?
Yes, education spending earns 0.375 points per AED, which is half the baseline rate of 0.75 points per AED.
Can I use this card abroad?
Yes, international spend earns 1.5 points per AED, the highest rate on this card. However, a 3.65% FX markup applies to foreign currency transactions.
Is this card Sharia-compliant?
Yes, the Sharjah Islamic Bank Smiles World Islamic Credit Card is fully Sharia-compliant and issued by an Islamic bank.