Abu Dhabi Islamic Bank
Business Visa Platinum Covered Card
- Salary
- Ask bank
- Fee
- AED 0
- Reward
- miles
Card comparison
Business Visa Platinum Covered Card vs Smart Saadiq Credit Card vs SIB Smiles World Mastercard
Compare Business Visa Platinum Covered Card from Abu Dhabi Islamic Bank, Smart Saadiq Credit Card from Standard Chartered, SIB Smiles World Mastercard from…
Abu Dhabi Islamic Bank
Business Visa Platinum Covered Card
Standard Chartered
Smart Saadiq Credit Card
- Salary
- AED 30,000
- Fee
- AED 315
- Reward
- rewards
Sharjah Islamic Bank
SIB Smiles World Mastercard
- Salary
- Ask bank
- Fee
- AED 525
- Reward
- 10%
Side by side
Compare key facts
Business Visa Platinum Covered CardAbu Dhabi Islamic BankSmart Saadiq Credit CardStandard CharteredSIB Smiles World MastercardSharjah Islamic Bank
Rewards
Reward details
Business Visa Platinum Covered Card
miles - rewardsType: miles- Cashback
- Miles
- Lounge
- Travel
- Islamic
- Low fee
Smart Saadiq Credit Card
- welcomeOffer: 10%
- Cashback
- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles World Mastercard
- 10% - cashback: 10%
- 1.5 Smiles per AED 2 - local earn rate: 1.5 Smiles per AED 2 spent
- 3 Smiles per AED 2 - international earn rate: 3 Smiles per AED 2 spent
- Cashback - cashbackRate: 10%
- 50,000 Smiles - 50,000 bonus Smiles after AED 20,000 spend within 90 days
- Cashback
- Miles
- Lounge
Eligibility
Minimum Salary
Business Visa Platinum Covered CardNot listed
Smart Saadiq Credit CardAED 30,000
SIB Smiles World MastercardNot listed
Required Documents
Business Visa Platinum Covered Card
Original and copy of valid passport- Original and copy of valid Emirates ID
- Bank account statement (last 3 months)
- Salary certificate from current employer (not more than 30 days old)
Smart Saadiq Credit Card
- Valid Emirates ID - Proof of identity and residency - A valid Emirates ID
- Proof of income - Salary certificate or bank statements - Latest salary certificate or bank statements
- Passport copy - Proof of identity - A valid passport
SIB Smiles World Mastercard
- Valid Emirates ID - Proof of residency and identity - A valid Emirates ID
- Proof of income - Salary certificate or bank statements - Latest 3 months bank statements
- Passport - Proof of identity and residency - A valid passport
- Identity proof - Valid Emirates ID or passport - A valid passport
Fees and rates
Annual Fee
Business Visa Platinum Covered CardAED 0↓
Smart Saadiq Credit CardAED 315•
SIB Smiles World MastercardAED 525↑
First Year Annual Fee
Business Visa Platinum Covered CardAED 0
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
Foreign Transaction Fee
Business Visa Platinum Covered CardNot listed
Smart Saadiq Credit Card2.99%
SIB Smiles World MastercardNot listed
APR
Business Visa Platinum Covered Card45.63% APR↑
Smart Saadiq Credit Card44.28% APR•
SIB Smiles World Mastercard29.88% APR↓
Cash Advance Fee
Business Visa Platinum Covered CardNot listed
Smart Saadiq Credit CardAED 0
SIB Smiles World MastercardNot listed
Late Payment Fee
Business Visa Platinum Covered CardNot listed
Smart Saadiq Credit CardAED 0
SIB Smiles World MastercardNot listed
Cashback and rewards
Cashback details
Business Visa Platinum Covered Card
- Business covered card with a high limit, cash withdrawal flexibility, and cashback on spend.
- It features cashback rates of 4%, and is linked to various benefits suitable for business clients seeking premium travel and reward features.
Smart Saadiq Credit CardNot listed
SIB Smiles World Mastercard
- 10% - cashback: 10%
- Cashback - cashbackRate: 10%
- The SIB Visa Infinite Covered Card provides premium benefits including 10% cashback, airport lounge access, rewards program, and coverage benefits.
- Up to 10%
Rewards
Business Visa Platinum Covered Card
miles - rewardsType: miles- Cashback
- Miles
- Lounge
- Travel
- Islamic
- Low fee
Smart Saadiq Credit Card
- welcomeOffer: 10%
- Cashback
- Lounge
- Travel
- Islamic
- Low fee
SIB Smiles World Mastercard
- 10% - cashback: 10%
- 1.5 Smiles per AED 2 - local earn rate: 1.5 Smiles per AED 2 spent
- 3 Smiles per AED 2 - international earn rate: 3 Smiles per AED 2 spent
- Cashback - cashbackRate: 10%
- 50,000 Smiles - 50,000 bonus Smiles after AED 20,000 spend within 90 days
- Cashback
- Miles
- Lounge
Headline cashback
Business Visa Platinum Covered Card
- Business covered card with a high limit, cash withdrawal flexibility, and cashback on spend.
- It features cashback rates of 4%, and is linked to various benefits suitable for business clients seeking premium travel and reward features.
Smart Saadiq Credit CardNot listed
SIB Smiles World Mastercard
- 10% - cashback: 10%
- Cashback - cashbackRate: 10%
- The SIB Visa Infinite Covered Card provides premium benefits including 10% cashback, airport lounge access, rewards program, and coverage benefits.
- Up to 10%
Travel
Airport Lounge Access
Business Visa Platinum Covered Cardmentioned
Smart Saadiq Credit Cardmentioned
SIB Smiles World Mastercardmentioned
Card Network
Business Visa Platinum Covered CardVisa
Smart Saadiq Credit CardVisa
SIB Smiles World MastercardVisa
Card type
Sharia Compliant
Business Visa Platinum Covered CardYes
Smart Saadiq Credit CardYes
SIB Smiles World MastercardYes
Islamic
Business Visa Platinum Covered CardYes
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
Other useful facts
APR
Business Visa Platinum Covered Card45.63%
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
Monthly purchase rate
Business Visa Platinum Covered Card3%↓
Smart Saadiq Credit Card3.69%↑
SIB Smiles World MastercardNot listed
Minimum Balance
Business Visa Platinum Covered Card4
Smart Saadiq Credit Card2
SIB Smiles World MastercardNot listed
Account Opening Fee
Business Visa Platinum Covered CardFree for Wasel Accountholders
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
Expected Profit Rate Q S A
Business Visa Platinum Covered Card6.5%
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
Expected Profit Rate D P A
Business Visa Platinum Covered Card5.5%
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
V A T
Business Visa Platinum Covered Card5%
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
Damaged Card Fee Waiver
Business Visa Platinum Covered CardYes
Smart Saadiq Credit CardNot listed
SIB Smiles World MastercardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Business Visa Platinum Covered CardAbu Dhabi Islamic Bank | Smart Saadiq Credit CardStandard Chartered | SIB Smiles World MastercardSharjah Islamic Bank |
|---|---|---|---|
| Rewards | |||
| Reward details |
|
|
|
| Eligibility | |||
| Minimum Salary | Not listed | AED 30,000 | Not listed |
| Required Documents |
|
|
|
| Fees and rates | |||
| Annual Fee | AED 0↓ | AED 315• | AED 525↑ |
| First Year Annual Fee | AED 0 | Not listed | Not listed |
| Foreign Transaction Fee | Not listed | 2.99% | Not listed |
| APR | 45.63% APR↑ | 44.28% APR• | 29.88% APR↓ |
| Cash Advance Fee | Not listed | AED 0 | Not listed |
| Late Payment Fee | Not listed | AED 0 | Not listed |
| Cashback and rewards | |||
| Cashback details |
| Not listed |
|
| Rewards |
|
|
|
| Headline cashback |
| Not listed |
|
| Travel | |||
| Airport Lounge Access | mentioned | mentioned | mentioned |
| Card Network | Visa | Visa | Visa |
| Card type | |||
| Sharia Compliant | Yes | Yes | Yes |
| Islamic | Yes | Not listed | Not listed |
| Other useful facts | |||
| APR | 45.63% | Not listed | Not listed |
| Monthly purchase rate | 3%↓ | 3.69%↑ | Not listed |
| Minimum Balance | 4 | 2 | Not listed |
| Account Opening Fee | Free for Wasel Accountholders | Not listed | Not listed |
| Expected Profit Rate Q S A | 6.5% | Not listed | Not listed |
| Expected Profit Rate D P A | 5.5% | Not listed | Not listed |
| V A T | 5% | Not listed | Not listed |
| Damaged Card Fee Waiver | Yes | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Business Visa Platinum Covered CardCashback · Miles · Lounge
|
Abu Dhabi Islamic Bank | AED 0 | Not listed | 45.63% APR | Not listed | Cashback Miles Lounge Travel Islamic Low fee | Visa | Details | |
|
Smart Saadiq Credit CardCashback · Lounge · Travel
|
Standard Chartered | AED 315 | AED 30,000 | 44.28% APR | Not listed | CashbackLoungeTravelIslamicLow fee | Visa | Details | |
|
SIB Smiles World MastercardCashback · Miles · Lounge
|
Sharjah Islamic Bank | AED 525 | Not listed | 29.88% APR | 10% | CashbackMilesLoungeTravelIslamic | Visa | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.