Quoted from Sharjah Islamic Bank's published terms. Anything we could not match to the
issuer's own words is not listed.
Airport lounge
1
benefit
Complimentary Airport Lounge Access on Flight Delay
Verified 24 Aug 2026
Complimentary access to over 1,300 airport lounges in more than 135 countries when a cardholder's flight is delayed by 1 hour or more, requiring prior 24-hour flight registration via the Mastercard Travel Pass app.
- How often
- Per event
- How to use it
-
Activate in the bank's app — Register flight details within 24 hours of departure through the Mastercard Travel Pass app to activate lounge access if a delay of 1 hour or more occurs.
- Caps and limits
- Requires flight delay of 1 hour or more; 24-hour advance flight registration required through the Mastercard Travel Pass app.
- 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/SmilesTitanium
· Last checked 24 Aug 2026
Cashback
4
benefits
Smiles Rewards – Domestic Spend
Verified 24 Aug 2026
Earn 1 Smile for every AED 2 spent on purchases within the UAE, redeemable for flights, hotels, cashback and vouchers.
- How often
- Always on
- How to use it
-
Applied automatically — Smiles accrue automatically on eligible spend and are credited monthly after statement issuance; redeem via www.sibsmiles.com
- Caps and limits
- Smiles earned limited to monthly total spends without exceeding the card limit
- Where
-
All emirates
“Earn 1 Smile for every AED 2 spent on purchases within the UAE*”
Source:
https://www.sib.ae/en/SmilesTitanium
· Last checked 24 Aug 2026
Smiles Rewards – Education, Utility & Government Bills
Verified 24 Aug 2026
Earn 0.5 Smiles for every AED 2 spent on transactions categorized under Education, Utility and Government bills.
- How often
- Always on
- How to use it
-
Applied automatically — Smiles accrue automatically on eligible spend and are credited monthly after statement issuance; redeem via www.sibsmiles.com
- Caps and limits
- Smiles earned limited to monthly total spends without exceeding the card limit
- Where
-
All emirates
“Earn 0.5 Smiles for every AED 2 spent on transactions made under Education, Utility, Government bills description”
Source:
https://www.sib.ae/en/SmilesTitanium
· Last checked 24 Aug 2026
Smiles Rewards – European Economic Area Spend
Verified 24 Aug 2026
Earn 0.3 Smiles for every AED 2 spent at merchants located in countries that are part of the European Economic Area (EEA).
- How often
- Always on
- How to use it
-
Applied automatically — Smiles accrue automatically on eligible spend and are credited monthly after statement issuance; redeem via www.sibsmiles.com
- Caps and limits
- Classification of merchants based in the EEA will be as per prevailing scheme guidelines
- Where
-
International
“Earn 0.3 Smiles for every AED 2 spent in Countries which are a part of the European Economic Area.”
Source:
https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf
· Last checked 24 Aug 2026
Smiles Rewards – International Spend
Verified 24 Aug 2026
Earn 2 Smiles for every AED 2 spent on international purchases, redeemable for flights, hotels, cashback and vouchers via the Smiles rewards program.
- How often
- Always on
- How to use it
-
Applied automatically — Smiles accrue automatically on eligible spend and are credited monthly after statement issuance; redeem via www.sibsmiles.com
- Caps and limits
- Smiles earned limited to monthly total spends without exceeding the card limit
- Where
-
International
“Earn 2 smiles for every AED 2 spent on international purchases*”
Source:
https://www.sib.ae/en/SmilesTitanium
· Last checked 24 Aug 2026
Hotel
2
benefits
Cleartrip.com Travel Discount
Verified 24 Aug 2026
Cardholders receive a 10% discount on travel bookings made through Cleartrip.com.
- How often
- Per event
- How to use it
-
Redeem on a website — Book travel through Cleartrip.com using the Smiles Titanium Mastercard to receive the discount automatically.
- Where
-
International
“10% Off Cleartip.com travel discount”
Source:
https://www.sib.ae/en/SmilesTitanium
· Last checked 24 Aug 2026
Mastercard Hotel Booking Discount
Verified 24 Aug 2026
Cardholders can unlock up to 30% off hotel bookings using their Mastercard.
- How often
- Per event
- How to use it
-
Redeem on a website — Book hotel stays through the designated Mastercard hotel booking platform to receive the discount.
- Caps and limits
- Discount described as 'up to 30% off'; exact terms vary by hotel and booking.
- Where
-
International
“Mastercard Hotel Bookings Your Mastercard unlocks up to 30% off hotel bookings”
Source:
https://www.sib.ae/en/SmilesTitanium
· Last checked 24 Aug 2026
