In case you do not have enough Smart points to cover the cost of your purchase, simply pay the balance with your RBS Smart Credit Card. For example, if you have accumulated 20,000 Smart Points, you can get a gift worth AED 130 free from any of our Partner Outlets. If the gift you prefer costs AED 150, you can get your points adjusted and pay the difference of AED 20 with your credit card. You can start redeeming your Smart Points as soon as you have accumulated 10,000 points. Your Smart Points are valid for a period of 3 years from the time the points have been credited.