Smiles Titanium MastercardSharjah Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
2 Smiles per AED 2 spent internationally
Cashback Card
Sharjah Islamic BankMastercardIslamic
The annual fee for Cashback Card is AED 199, including 5% VAT. Waived if total retail spend is AED 10,000 in the previous year. The bank asks for a minimum monthly salary of AED 5,000.
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.Annual feeAED 199incl. VAT · First year free
Min. salaryAED 5,000
Monthly profit rate3.49%41.88% a year
Foreign fee2.5%
Rewards
- 10% cashback on online and digital-wallet spends10% online/digital wallet (excl. utilities, telecom, govt, supermarket, education); 2% international retail; 1% domestic retail; 0.5% utilities/telecom/govt/supermarket/educationCap: 10% category capped at AED 300 per month; others uncapped
Benefits the bank lists
- Mastercard Hotel Bookings discounts
- Balance Transfer, Easy Cash and Easy Pay options
Questions people ask
What is the annual fee for the Cashback Card?
The annual fee for Cashback Card is AED 199, including 5% VAT. Waived if total retail spend is AED 10,000 in the previous year.
What salary do I need for the Cashback Card?
The bank asks for a minimum monthly salary of AED 5,000.
What is the profit rate on the Cashback Card?
The profit rate on purchases is 3.49% a month, which is 41.88% a year.
Does the Cashback Card charge a foreign transaction fee?
Purchases in a foreign currency carry a fee of 2.5% of the amount.
Fee conditions
Waived if total retail spend is AED 10,000 in the previous year
Sources
Where a bank does not publish a figure, we leave it blank instead of guessing.
Other cards from Sharjah Islamic Bank
Smiles World MastercardSharjah Islamic Bank · Islamic
Annual feeAED 525incl. VAT
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
3 Smiles per AED 2 spent internationally
Smiles World Elite MastercardSharjah Islamic Bank · Islamic
Annual feeAED 733.95incl. VAT
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
3 Smiles per AED 2 spent internationally
Smiles World Priority MastercardSharjah Islamic Bank · Islamic
Annual feeNot published
Min. salaryNot published
Monthly rateNot published
Foreign feeNot published
3 Smiles per AED 2 spent internationally