Travel. Enjoy. Win!
Use your SIB Debit or Covered Card in hotel bookings, flights & international spends to win:
AED 100,000 or 100% Cashback (up to AED 10,000)
Eligible Transactions:
- Flight booking spends,
- Hotel booking spends,
- International Non-AED Spends: All purchases made in non-AED currencies
Campaign Details:
- Offer valid till 31st May 2025
- One Grand Prize of AED 100,000 for the highest international spender
- 15 winners of 100% Cashback, maximum AED 10,000
- Terms & Conditions apply


Important Update on Visa Credit Cards
Effective: 31st December 2024
SIB Credit Cards (Visa) will be discontinued and closed on 31 Dec 2024. We encourage you to settle any outstanding balance on this card before this date.
Existing SIB Visa Credit Cardholders are offered the option to avail our all new Smiles Platinum Visa Covered Card that hosts a wide range of benefits.
SMS “Platinum” to 6667 to contact you, or feel free to call us on 065999999 for more information.
Cashback Card
Spend BIG, Earn BIGGER!


Important Update on Visa Credit Cards
Effective: 31st December 2024
SIB Credit Cards (Visa) will be discontinued and closed on 31 Dec 2024. We encourage you to settle any outstanding balance on this card before this date.
Existing SIB Visa Credit Cardholders are offered the option to avail our all new Smiles Platinum Visa Covered Card that hosts a wide range of benefits.
SMS “Platinum” to 6667 to contact you, or feel free to call us on 065999999 for more information.
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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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.
Important Update on Visa Credit Cards
Effective: 31st December 2024
SIB Credit Cards (Visa) will be discontinued and closed on 31 Dec 2024. We encourage you to settle any outstanding balance on this card before this date.
Existing SIB Visa Credit Cardholders are offered the option to avail our all new Smiles Platinum Visa Covered Card that hosts a wide range of benefits.
SMS “Platinum” to 6667 to contact you, or feel free to call us on 065999999 for more information.
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.

Important Update on Visa Credit Cards
Effective: 31st December 2024
SIB Credit Cards (Visa) will be discontinued and closed on 31 Dec 2024. We encourage you to settle any outstanding balance on this card before this date.
Existing SIB Visa Credit Cardholders are offered the option to avail our all new Smiles Platinum Visa Covered Card that hosts a wide range of benefits.
SMS “Platinum” to 6667 to contact you, or feel free to call us on 065999999 for more information.