SIB Cashback Credit Card
Earn up to 10% cashback on online and digital wallet spends with the refreshed SIB Cashback Card, plus airport lounge access. A clearer earning structure rewards everyday categories across online, retail, and specific-merchant spend, alongside exclusive Mastercard benefits.
Updated Jun 2026
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 8,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. SIB Cashback Credit Card expects AED 8,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
No Annual Fee
for the first year
Rewards
10%
on online and digital wallet spends
Earn 10% cashback up to AED 300 per month on purchases made with saved cards on websites and apps, Samsung Wallet, and Apple Pay — locally and internationally. Excludes specific merchant categories and EEA-currency spends.
2%
on international retail spends
Earn unlimited 2% cashback on purchases made outside the UAE in any non-EEA currency.
1%
on domestic retail spends
Earn unlimited 1% cashback on UAE purchases that don't fall under the specific merchant or online categories.
0.5%
on specific merchant categories
Earn 0.5% cashback on education, government services, utilities, supermarkets, petrol stations, real estate agents, quick service restaurants, insurance, auto and car dealers, public transport (taxis, metro, buses), road tolls and Salik, and charities or religious organisations.
0.3%
on European Economic Area (EEA) spends
Earn 0.3% cashback on transactions settled in EEA currencies such as EUR, SEK, DKK, NOK, PLN, CHF, and other European zone currencies.
Rewards Calculator
July Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
No Annual Fee
Welcome Offer: 75,000 Voyager Miles
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
No Annual Fee for the first year
Welcome Offer: 150,000 Voyager Miles
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
Free unlimited access to over 10 lounges in the UAE, KSA, Jordan, Kuwait, and Egypt.
Download the Mastercard Travel Pass app to access lounges.
10% off at JUMBO and EROS
Spend AED 1,000+ at JUMBO or EROS and get 10% back, up to AED 200 per merchant, until 31 December 2026.
Easy Payment Plans
Convert purchases into easy installments up to 12 months.
Mastercard Concierge Services
24/7 Mastercard concierge services for travel and lifestyle assistance.
Eligibility
21
Minimum Age
8,000AED
Minimum Income
Fees
199AED
Annual Fee (waived upon spending AED 10,000 annually)
Free
Supplementary Card Fee
78.75AED
Card Replacement Fee
Late Payment Fee (donated to charity)AED 236.25
Cash Withdrawal Fee3.5%*
*Minimum of AED 103.59 or 3.5% of the amount withdrawn
Foreign Currency Transaction Fee (excluding Mastercard fees)2.5%
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