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 Elite Mastercard
Sharjah Islamic BankMastercardWorld EliteIslamic
The annual fee for Smiles World Elite Mastercard is AED 733.95, including 5% VAT. Reversed on total purchase spend of AED 50,000 during the year; 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 733.95incl. 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 on utility/education/government bills
Benefits the bank lists
- Access to over 1300 airport lounges worldwide
- Up to 30% off Mastercard Hotel Bookings
Questions people ask
What is the annual fee for the Smiles World Elite Mastercard?
The annual fee for Smiles World Elite Mastercard is AED 733.95, including 5% VAT. Reversed on total purchase spend of AED 50,000 during the year; no annual fee for Excellence Banking Cardholders.
What salary do I need for the Smiles World Elite Mastercard?
The bank asks for a minimum monthly salary of AED 5,000.
What is the profit rate on the Smiles World Elite Mastercard?
The profit rate on purchases is 2.49% a month, which is 29.88% a year.
Does the Smiles World Elite Mastercard charge a foreign transaction fee?
Purchases in a foreign currency carry a fee of 2.5% of the amount.
Fee conditions
Reversed on total purchase spend of AED 50,000 during the year; no annual fee for Excellence Banking Cardholders
Notes from our check
SIB's Key Facts Statement gives a 2.5% foreign fee; its World Elite price list gives 2.625%.
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 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 Priority MastercardSharjah Islamic Bank · Islamic
Annual feeNot published
Min. salaryNot published
Monthly rateNot published
Foreign feeNot published
3 Smiles per AED 2 spent internationally