Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
SIB - Smiles World Credit Card SIB - Smiles World Credit Card Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 500 Rate: 2.49%
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The card that rewards, earn “Smiles” points with the unique Smiles rewards program and redeem them in a variety of ways, from airline tickets and hotel stays to electronics and gift vouchers.
Apply and earn 50,000 Bonus Smiles for spending AED 20,000 within 90 days of card issuance.

Redeem your “Smiles”: 
  • Fly for free with over 300 airlines from anywhere to everywhere
  • No blackout dates, no extra cash payment for taxes nor surcharges
  • Free unlimited access to 900+ airport lounges
  • Free stays in over 300,000 hotels around the world
  • Exclusive SIB Online Shop, Gift Vouchers & Cashback
  • Earn 3 Smiles for every AED 2 spent internationally*
  • Earn 1.5 Smiles for every AED 2 spent locally*
  • Redeem your Smiles online
  • Luxury serviced apartment discounts
  • Access to over 900 airport lounges worldwide
  • Contactless payments with Apple Pay & Samsung Wallet
  • Bonus Smiles 50,000
  • Airlines 300+
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
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