Bustan بستان
Smiles World Mastercard card
Sharjah Islamic Bank

Smiles World Mastercard

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

Fees and eligibility, as published

Annual fee
AED 551.25 a year Smiles World Mastercard is Shariah-compliant; the 2.49% shown is described as 'Expected Profit rate (p.a)' per Islamic banking terminology. No minimum salary requirement stated. No fee waiver based on spend is mentioned in the provided pages.
Annual fee waived at
Not published
Minimum monthly salary
Not published
Profit rate
Not published

10 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 lounge 1 benefit

Free access to 1300+ airport lounges worldwide

Verified 24 Aug 2026

Cardholders receive free access to over 1300 VIP airport lounges around the globe via the Mastercard Travel Pass app.

How often
Always on
How to use it
Redeem in a partner app — Download the Mastercard Travel Pass app to access lounges.
Where
All emirates, International
“Free access to over 1300 VIP airport lounges around the globe”

Source: https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf · Last checked 24 Aug 2026

Annual fee waiver 1 benefit

Annual fee waiver on AED 50,000 spend

Verified 24 Aug 2026

The AED 525 annual fee is reversed if the cardholder spends AED 50,000 within a 12-month period.

How often
Yearly
How to use it
Applied automatically
Caps and limits
Requires AED50,000 spend within 12 months to reverse the annual fee.
Where
All emirates
“Reversed on Spends of AED 50,000 in 12 months”

Source: https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf · Last checked 24 Aug 2026

Cashback 4 benefits

0.3 Smiles per AED 2 spent in EEA countries

Verified 24 Aug 2026

Cardholders earn 0.3 Smiles reward points for every AED 2 spent with merchants located in countries within the European Economic Area.

How often
Always on
How to use it
Applied automatically
Caps and limits
Classification of merchants based in the EEA is per prevailing scheme guidelines.
Where
All emirates, 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

0.75 Smiles per AED 2 spent on education, utilities and government bills

Verified 24 Aug 2026

Cardholders earn 0.75 Smiles reward points for every AED 2 spent on education, government services, utilities and related categories.

How often
Always on
How to use it
Applied automatically
Caps and limits
Smiles earned are limited to monthly total spends without exceeding the card limit.
Where
All emirates
“Earn 0.75 Smiles on transactions categorized under education, government services, utilities”

Source: https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf · Last checked 24 Aug 2026

1.5 Smiles per AED 2 spent locally

Verified 24 Aug 2026

Cardholders earn 1.5 Smiles reward points for every AED 2 spent on domestic (UAE) transactions.

How often
Always on
How to use it
Applied automatically
Caps and limits
Smiles earned are limited to monthly total spends without exceeding the card limit.
Where
All emirates
“Earn 1.5 Smiles for every AED 2 spent locally”

Source: https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf · Last checked 24 Aug 2026

3 Smiles per AED 2 spent internationally

Verified 24 Aug 2026

Cardholders earn 3 Smiles reward points for every AED 2 spent on international transactions using the Smiles World Mastercard.

How often
Always on
How to use it
Applied automatically
Caps and limits
Smiles earned are limited to monthly total spends without exceeding the card limit.
Where
All emirates, International
“Earn 3 Smiles for every AED 2 spent internationally”

Source: https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf · Last checked 24 Aug 2026

Hotel 3 benefits

Cashback up to 10% on hotel bookings via Booking.com

Verified 24 Aug 2026

Cardholders receive cashback of up to 10% on hotel bookings made through Booking.com.

How often
Always on
How to use it
Redeem on a website
Caps and limits
Up to 10% cashback.
Where
All emirates, International
“Cash back up to 10% back on your hotel bookings at Booking.com.”

Source: https://www.sib.ae/docs/default-source/default-document-library/key-facts---smiles-june-20265c2925f3320643ad82df90046a89a124.pdf · Last checked 24 Aug 2026

Up to 30% off hotel bookings via Mastercard

Verified 24 Aug 2026

Cardholders can unlock up to 30% off hotel bookings through Mastercard offers.

How often
Always on
How to use it
Redeem on a website
Caps and limits
Up to 30% off.
Where
All emirates, International
“Your Mastercard unlocks up to 30% off hotel bookings”

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

Installments 1 benefit

Convert purchases into installments up to 12 months

Verified 24 Aug 2026

Cardholders can convert eligible purchases into an easy installment plan for up to 12 months.

How often
Always on
How to use it
Activate in the bank's app
Caps and limits
Up to 12 months installment period.
Where
All emirates
“Convert your purchases and pay in easy installments for up to 12 months.”

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

Where this card sits

All 3 Sharjah Islamic Bank cards Airport lounge cards in the UAEAnnual fee waiver cards in the UAE Every UAE card

Questions

What is the annual fee on the Smiles World Mastercard?

The Smiles World Mastercard has a published annual fee of AED 551.25. Smiles World Mastercard is Shariah-compliant; the 2.49% shown is described as 'Expected Profit rate (p.a)' per Islamic banking terminology. No minimum salary requirement stated. No fee waiver based on spend is mentioned in the provided pages.

What benefits does the Smiles World Mastercard include?

The Smiles World Mastercard carries 10 verified benefits across 5 categories: Airport lounge, Annual fee waiver, Cashback, Hotel, Installments. 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.