Bustan بستان
Cashback Card card
Sharjah Islamic Bank

Cashback Card

Mastercard Standard Islamic — profit rate, not interest Verified 24 Aug 2026

Fees and eligibility, as published

Annual fee
AED 208.95 a year Shariah-compliant card using profit-rate terminology. First year free (AED 0*). From year 2 onwards, annual fee is AED 199, waived if customer spends minimum AED 10,000 in the previous calendar year (annual basis). Minimum salary requirement is AED 5,000 monthly.
Annual fee waived at
AED 10,000 spend
Minimum monthly salary
AED 5,000
Profit rate
Not published

6 verified benefits

Quoted from Sharjah Islamic Bank's published terms. Anything we could not match to the issuer's own words is not listed.

Airport transfer 1 benefit

Complimentary Airport Lounge Access on Flight Delay

Verified 24 Aug 2026

Enjoy complimentary access at over 1,300 airport lounges in more than 135 countries if flight is delayed by 1 hour or more. Requires 24-hour flight registration through Mastercard Travel Pass app.

How often
Per event
How to use it
Activate in the bank's app — 24-hour flight registration required through Mastercard Travel Pass app to access lounge benefit on flight delay.
Caps and limits
Access available only when flight is delayed by 1 hour or more. Covers over 1,300 airport lounges globally.
Exclusions
Only applicable to flight delays exceeding 1 hour. Registration via Mastercard Travel Pass app mandatory.
Where
International
“Enjoy a complimentary access at over 1300 airport lounges in more than 135 countries if your flight is delayed by 1 hour or more”

Source: https://www.sib.ae/en/Cashback · Last checked 24 Aug 2026

Annual fee waiver 1 benefit

Annual Fee Waiver for Second Year Onwards

Verified 24 Aug 2026

Annual card fee of AED 199 waived for second year onwards upon spending minimum AED 10,000 during the previous year. First year is free.

How often
Yearly
How to use it
Applied automatically — Automatic fee waiver applied on card anniversary if AED 10,000 spent during previous year.
Caps and limits
Waiver conditional on AED 10,000 minimum annual spend. First year fee is free.
Exclusions
Waiver does not apply if minimum AED 10,000 annual spend threshold not met. Excludes Balance Transfer, Cash Advances or fees.
Where
All emirates
“2nd year onwards AED 199 waived upon spending a minimum of AED 10,000 during the previous year”

Source: https://www.sib.ae/en/Cashback · Last checked 24 Aug 2026

Cashback 4 benefits

0.5% Unlimited Cashback on Utilities, Telecom, Government, and Education Payments

Verified 24 Aug 2026

Earn 0.5% cashback on all utility, telecom, supermarket, hypermarket, government and education payments made inside or outside UAE, with no monthly cap.

How often
Monthly
How to use it
Activate in the bank's app — Redeem through Bank's Contact Centre, Online Banking platform, or Mobile Application. Minimum AED 100 redeemable. Credited within 3 working days via Contact Center or by end of day via digital platforms.
Caps and limits
No monthly cap. Cashback expires 36 months from earning date. When made through online/mobile banking, these transactions earn 0.5% with no cap.
Exclusions
Transactions made through Online and Mobile Banking are excluded from this category when combined with online purchase category.
Where
All emirates
“0.5% unlimited cashback on all utility, telecom, supermarkets, hypermarkets, government and education payments”

Source: https://www.sib.ae/en/Cashback · Last checked 24 Aug 2026

1% Unlimited Cashback on Domestic Retail Spends

Verified 24 Aug 2026

Earn 1% cashback on all retail purchases made in UAE, with no monthly cap.

How often
Monthly
How to use it
Activate in the bank's app — Redeem through Bank's Contact Centre, Online Banking platform, or Mobile Application. Minimum AED 100 redeemable. Credited within 3 working days via Contact Center or by end of day via digital platforms.
Caps and limits
No monthly cap on domestic retail cashback. Cashback expires 36 months from earning date.
Exclusions
Balance Transfers, Easy Cash, insurance charges, bank fees, cash withdrawals, and non-qualifying transactions.
Where
All emirates
“1% unlimited cashback on domestic retail spends”

Source: https://www.sib.ae/en/Cashback · Last checked 24 Aug 2026

10% Cashback on Online and Digital Wallet Transactions

Verified 24 Aug 2026

Earn 10% cashback on online purchases, saved cards on websites and apps, Samsung Wallet and Apple Pay transactions made locally and internationally, excluding utility, telecom, government, supermarket, hypermarket, and education payments.

How often
Monthly
How to use it
Activate in the bank's app — Redeem through Bank's Contact Centre, Online Banking platform, or Mobile Application. Minimum AED 100 redeemable at a time. Credited within 3 working days via Contact Center or by end of day via digital platforms.
Caps and limits
Monthly cap of AED 300 on online/wallet transactions. Cashback expires 36 months from earning date. Minimum redemption AED 100.
Exclusions
Utility, Telecom, Government, Supermarket, Hypermarket, Education payments, Service/petrol stations, real estate agents, quick service restaurants, insurance, auto/car dealers, public transport, road tolls/salik, charities/religious organizations, and EEA transactions.
Where
All emirates
“10%* Cashback on online and digital wallet transactions done locally and internationally”

Source: https://www.sib.ae/en/Cashback · Last checked 24 Aug 2026

2% Unlimited Cashback on International Retail Spends

Verified 24 Aug 2026

Earn 2% cashback on all retail purchases made outside UAE in foreign currency, with no monthly cap.

How often
Monthly
How to use it
Activate in the bank's app — Redeem through Bank's Contact Centre, Online Banking platform, or Mobile Application. Minimum AED 100 redeemable. Credited within 3 working days via Contact Center or by end of day via digital platforms.
Caps and limits
No monthly cap on international retail cashback. Cashback expires 36 months from earning date.
Exclusions
EEA transactions, Balance Transfers, Easy Cash, insurance charges, bank fees and charges, cash withdrawals.
Where
All emirates
“2% unlimited cashback on international retail spends”

Source: https://www.sib.ae/en/Cashback · Last checked 24 Aug 2026

Where this card sits

All 3 Sharjah Islamic Bank cards Annual fee waiver cards in the UAE Every UAE card

Questions

What is the annual fee on the Cashback Card?

The Cashback Card has a published annual fee of AED 208.95. Shariah-compliant card using profit-rate terminology. First year free (AED 0*). From year 2 onwards, annual fee is AED 199, waived if customer spends minimum AED 10,000 in the previous calendar year (annual basis). Minimum salary requirement is AED 5,000 monthly.

Can the Cashback Card annual fee be waived?

Sharjah Islamic Bank publishes a spend threshold of AED 10,000 for waiving the annual fee on the Cashback Card. Check the issuer's terms for the exact card year it is measured over.

What salary does the Cashback Card require?

Sharjah Islamic Bank publishes a minimum monthly salary of AED 5,000 for the Cashback Card.

What benefits does the Cashback Card include?

The Cashback Card carries 6 verified benefits across 3 categories: Airport transfer, Annual fee waiver, Cashback. Each is quoted from Sharjah Islamic Bank's own published terms on this page.

How current is this page?

Every benefit here carries the date it was last read from the issuer's published terms. This page is last verified 24 Aug 2026. Anything we could not verify against the issuer's own words is not shown at all.

You hold 3 cards, not one.

Bustan tracks every perk across all the cards in your wallet at once, and reminds you before the ones that reset run out. It never asks for a card number or a bank login.

See what you're wasting.

Every benefit on this page is quoted from the issuer's own published terms and links back to the page it was read from, with the date it was last checked. Bustan is not affiliated with any bank. Issuers and rights holders who want a quotation corrected or removed can write to support@getbustan.com and we will act on it. Published by Jasmine Entertainment FZE.