SIB Cashback Credit Card
Earn up to 10% cashback on online and digital wallet spends with the refreshed SIB Cashback Card. From 5 July 2026, a clearer earning structure rewards everyday categories — plus airport lounge access and exclusive Mastercard benefits.
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, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
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
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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%
Similar cards
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Salary: AED 5,000+
Free for life
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
Up to 4% Cashback on all spends
Instant redemption as Cashback or Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
ABU DHABI COMMERCIAL BANK (ADCB)
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Salary: AED 8,000+
Annual Fee: AED 383.25
6% cashback on dining (including online food orders)
5% cashback on groceries
3% cashback on utilities, telecom, fuel and Salik
MASHREQ BANK
Mashreq Cashback Credit Card
Salary: AED 5,000+
No Annual Fee
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
DUBAI FIRST
Dubai First Cashback Credit Card
Salary: AED 5,000+
Annual Fee: AED 418.95
5% Cashback on groceries, dining and fuel
0.50% Cashback on international and domestic retail spends
Instant Cashback Redemption
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