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
Smiles World Mastercard
Sharjah Islamic BankMastercardWorldIslamic
The annual fee for Smiles World Mastercard is AED 525, including 5% VAT. No annual fee for Excellence Banking Cardholders. 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 525incl. VAT
Min. salaryAED 5,000
Monthly profit rate2.49%29.88% a year
Foreign fee2.5%
Rewards
- 3 Smiles per AED 2 spent internationally1.5 Smiles per AED 2 locally; 0.75 at specific merchants; 0.3 in EEA countries
- 50,000 bonus Smiles welcome offerFor spending AED 20,000 within 90 days of card issuance
Benefits the bank lists
- Access to over 1300 airport lounges worldwide
- Redeem Smiles for flights on over 300 airlines and stays at over 300,000 hotels
Questions people ask
What is the annual fee for the Smiles World Mastercard?
The annual fee for Smiles World Mastercard is AED 525, including 5% VAT. No annual fee for Excellence Banking Cardholders.
What salary do I need for the Smiles World Mastercard?
The bank asks for a minimum monthly salary of AED 5,000.
What is the profit rate on the Smiles World Mastercard?
The profit rate on purchases is 2.49% a month, which is 29.88% a year.
Does the Smiles World Mastercard charge a foreign transaction fee?
Purchases in a foreign currency carry a fee of 2.5% of the amount.
Fee conditions
No annual fee for Excellence Banking Cardholders
Sources
Where a bank does not publish a figure, we leave it blank instead of guessing.
Other cards from Sharjah Islamic Bank
Cashback CardSharjah Islamic Bank · Islamic
Annual feeAED 199incl. VAT
Min. salaryAED 5,000
Monthly rate3.49%
Foreign fee2.5%
10% cashback on online and digital-wallet spends
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