Cashback Card
Spend BIG, Earn BIGGER!
Smiles World Mastercard
Apply and earn 50,000 Bonus Smiles!
Smiles Titanium Mastercard
Free for Life!
Cashback features and benefits
Warning: If only the minimum repayment/payment is made each period, you will pay more in profit/fees and it will take longer to pay off your outstanding balance. Continuous failure to make the regular payments on time, will expose you to further charges (Late Payment to Charity) and may lead to further legal action by the bank. |
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Transfer your outstanding card balance from other banks and repay in installments
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Need urgent cash? Get "Easy Cash"
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Convert your purchases and pay in easy installments for up to 12 months
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Add-ons and bonus features
Enjoy convenience and total peace of mind
Your Cashback Mastercard is equipped with a wide range of exclusive features. These are specificallly designed to allow you to get down to the business of enjoying your card's many benefits – anytime, anywhere.
Balance transfer
Mastercard Offers
Easy Cash
SMS alerts
Easy Pay
Worldwide Access
Mastercard Hotel Bookings
24-hour call center
Required Documents
- Application form
- Passport & Emirates ID copy
- Valid residence visa for expats
- Proof of income
- Salary slip
- Application form
- Passport & Emirates ID copy
- Proof of income
- Valid trade license
- Memorandum of association/Partnership agreement/ Power of attorney (if applicable)
Salaried Customers:
Self Employed Customers:
Related Documents
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Frequently asked questions
Do I need to register to receive the cashback points?
No, you are automatically enrolled in Cashback program once you activate the card.
Shall I earn 10% on all transactions made online or via wallets (Apple Pay or Samsung Wallet)?
All transactions made online or via wallets (Apple Pay or Samsung Wallet) whether domestically or internationally shall earn 10%* Cashback except utilities, telecom, supermarket and education.
*up to AED 300 per month
Can I redeem the points on whatever I spend during the month?
Cashback is calculated once the statement is generated. You can redeem the points earned on the previous statements if total points is equivalent to or greater than AED 100. Redemption can be done through Online & Mobile Banking “SIB Digital” or by calling 065999999.
Is there a minimum spend to qualify for the Cashback?
No, you earn points on every purchase transaction.
Can I make payments on the card using the Cashback points?
Cashback points will not be considered as card payment, it will be credited against the outstanding balance, therefore, it will not offset the minimum payment that you’re supposed to pay against the card.
How much do I need to spend to qualify for fee waiver second year onward?
You must spend AED 10,000 or above to qualify for the waiver. This excludes Balance Transfer, Cash Advances or fees.
When do the Cashback points expire?
Cashback must be redeemed within 36 months from the date you made the transaction.
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