• Annual Fees: Free 

• Supplementary Card Fees: Free 

• Tawarruq Profit Rate: 2.49% 

• Card Replacement Fees: SAR 100 

• Late Payment Fees: SAR 100 

• Cash Advance Fees: SAR 75 

• PIN Mailer Re-issuance Fees: SAR 40 

• Dispute Fees (False Disputes): SAR 50 

• Additional Statement Fees: SAR 40 

• Foreign Currency Mark-up: 2.25% 

• Minimum Payment Due: 5% or SAR 100 (Whichever is higher)

• Customer’s age must range between 18-65 years 

• Customer must have an account with SAIB 

• Customer must be employed, self-employed, retired, or average balance accountholders

• Filled and signed Credit Card Application form 

• A valid National ID for Saudis and passport for Expatriates 

• Salary certificate 

• 3-month bank statement 

• Copy of ID for potential supplementary cardholder 

• Valid commercial registration for self-employed along with 12-month bank statement

Full Digital Experience:

Start enjoying the benefits of your SAIB Credit Card by activating it via “Flexx Touch” mobile application.

Contactless Payment Service:

Pay your purchases safely and easily by swiping your card on POS devices with Contactless Payment Service.

Apple Pay:

dd your SAIB cards to Apple Pay and enjoy secured and fast payments inside and outside the Kingdom (in stores and online).

Easy Payment Plan - 0% Profit Rate

Buy now and pay later with SAIB Easy Payment Plan program! It is designed to enable credit cardholders of making large purchases and converting them to easy and equal monthly payments in 3, 6, 9, or 12 months at selected partners with 0% profit rate (either by shopping online or at showrooms and stores).

Travel and Lifestyle Benefit

Global Airport Lounge Access

Enjoy access to 25 luxurious airport lounges through DragonPass membership

No registration is required to activate the lounge benefit for your Visa Platinum Card

Meet and Assist Service at Airports

Enjoy discounts of up to 15% off retail rates at over 450 destinations globally by booking with your Visa Platinum credit card

Cardholders can book from here and the discount will be applied directly

Services must be booked at least 72 hours prior to commencement of travel

Offer not to be used in conjunction with other promotions

Cardholders can also book other services such as limo transfer, visa on arrival, baggage porters, etc.

The Entertainer

Incredible experiences await you with The Entertainer! Download "Xperience with the ENTERTAINER" mobile application and register using your Visa Platinum credit card to treat yourself to exclusive 2-for-1 deals on food and entertainment in addition to over 5,000 travel discounts.

4 Months FREE with Anghami

Subscribe to Anghami Plus with your Visa Platinum credit card, and enjoy up to 4 months for free for the first year!

Subscribe from here with your Visa Platinum credit card, and get one month free for every 2-month subscription.

Jumeirah Offers

Up to 25% off stays at the following Jumeirah properties:

Madinat Jumeirah

Jumeirah Royal Saray

Jumeirah Messilah Beach Hotel

Jumeirah Port Soller Hotel & Spa

Jumeirah Frankfurt

Grosvenor House Suites by Jumeirah Living

Jumeirah Lowndes Hotel

Capri Palace Jumeirah

Visa Luxury Hotels Collection

VLHC includes over 900 intriguing and prestigious properties, providing a premium collection of benefits specially designed to offer an unparalleled experience.

Offers:

Best available rate

Automatic Room Upgrade upon arrival

Complimentary in-room Wi-Fi

Complimentary breakfast daily

$25 USD food or beverage credit

VIP guest status

3PM check out (upon request)

Book must be made from here

DragonPass

Enjoy special offers at over 200 airport restaurants globally. Please download the app "Dine & Travel Companion" and register in order to view the offers and the DragonPass Terms and Conditions

• Annual Fees: Free 

• Supplementary Card Fees: Free 

• Tawarruq Profit Rate: 2.49% 

• Card Replacement Fees: SAR 100 

• Late Payment Fees: SAR 100 

• Cash Advance Fees: SAR 75 

• PIN Mailer Re-issuance Fees: SAR 40 

• Dispute Fees (False Disputes): SAR 50 

• Additional Statement Fees: SAR 40 

• Foreign Currency Mark-up: 2.75% 

• Minimum Payment Due: 5% or SAR 100 (Whichever is higher)

• Customer’s age must range between 18-65 years. 

• Customer must have an account with SAIB. 

• Customer must be employed, self-employed, retired, or average balance accountholders. 

• Note: The Bank reserves the right to accept or reject an application based on the policy in place at the time of the request.

• Filled and signed Credit Card Application form. 

• A valid National ID for Saudis. 

• Salary certificate. 

• 3-month bank statement. 

• Copy of ID for potential supplementary cardholder. 

• Valid commercial registration for self-employed along with 12-month bank statement. 

• For more information please call free number at 800 124 8000.

Full Digital Experience

Start enjoying the benefits of your SAIB Credit Card by activating it via “Flexx Touch” mobile application.

Contactless Payment Service

Pay your purchases safely and easily by swiping your card on POS devices with Contactless Payment Service.

Apple Pay

Add your SAIB cards to Apple Pay and enjoy secured and fast payments inside and outside the Kingdom (in stores and online).

Purchase Protection

Shop with ease of mind. With Purchase Protection, your purchases are insured in case of loss, accidental damage or theft.

Protection Against Fraud

Shop with ease of mind. With Purchase Protection, your purchases are insured in case of loss, accidental damage or theft. For details, please click here.

Extended Warranty

Extended warranty doubles the warranty period offered by the merchant for up to 1 year.

Easy Payment Plan - 0% Profit Rate

Buy now and pay later with SAIB Easy Payment Plan program! It is designed to enable credit cardholders of making large purchases and converting them to easy and equal monthly payments in 3, 6, 9, or 12 months at selected partners with 0% profit rate (either by shopping online or at showrooms and stores).

Travel and Lifestyle Benefits

Global Concierge Service

Enjoy a 24-hour global lifestyle premium service, which includes travel information, arrangements, reservation assistance for premium restaurants, bookings for entertainment events, shopping information, gift arrangement and delivery, health clubs, business services and many more.

Now you can access the digital concierge channel in addition to other means of communication. The digital concierge is a fully mobile responsive portal, enabling you to search and book on-the-go. You will also be able to talk to our Lifestyle Managers 24/7 via the Live Chat. Click here to access the online platform and discover Visa Signature’s world.

International Numbers: +973 1667 5426 / +971 4361 1234 /+44 207 8502829

Local Number: 800 8443 488

Global Airport Lounge Access

Enjoy access to 1000+ luxurious airport lounges over 300 cities across the globe with LoungeKey.

No registration is required to activate the lounge benefit for your Visa Signature credit card

SAIB Visa Signature credit cardholder visits are free for the first 12 visits per year (Gregorian year). Afterwards, cardholder will be charged $32 per guest per visit.

After attending the first visit cardholder needs to complete one (1) international transaction (of minimum of $1) in each calendar year to avail from this feature

Cardholder should mention "LoungeKey" to the lounge reception staff when showing his Visa Signature Credit Card as a member of LoungeKey

Meet and Assist Service at Airports

Enjoy discounts of up to 15% off retail rates at over 450 destinations globally by booking with your Visa Platinum credit card

Cardholders can book from here and the discount will be applied directly

Services must be booked at least 72 hours prior to commencement of travel

Offer not to be used in conjunction with other promotions

Cardholders can also book other services such as limo transfer, visa on arrival, baggage porters, etc.

International Medical and Travel Assistance

Visa Signature Credit Card provides you and your family a free International Medical and Travel Assistance while traveling outside the Kingdom for up to 90 days. Complimentary services include helping you to get medical telephone advice, putting you in touch with a local medical service provider and with someone to monitor your medical condition both during and after hospitalization -God forbids.

Money Back on Entertainment Subscriptions

Enjoy 50% Money Back on entertainment subscriptions (Up to $5 per month.

Jumeirah Offers

Up to 25% off stays at the following Jumeirah properties:

Madinat Jumeirah

Jumeirah Royal Saray

Jumeirah Messilah Beach Hotel

Jumeirah Port Soller Hotel & Spa

Jumeirah Frankfurt

Grosvenor House Suites by Jumeirah Living

Jumeirah Lowndes Hotel

Capri Palace Jumeirah

DragonPass

Enjoy special offers at over 200 airport restaurants globally. Please download the app "Dine & Travel Companion" and register in order to view the offers and the DragonPass Terms and Conditions

Travel Insurance

Use your Visa Signature credit card to pay for your travel expenses, and you and your family will be provided with complementary Travel Insurance with a maximum trip duration of 90 days.

For any claims, please email the VISA team at creditcardclaims@crawco.me with the following information:

Cardholder’s name

First 9 digits of card number

Cardholder’s address

The policy or section under which the claim applies

The Entertainer

Incredible experiences await you with The Entertainer! Download "Xperience with the ENTERTAINER" mobile application and register using your Visa Signature credit card to treat yourself to exclusive 2-for-1 deals on food and entertainment in addition to over 5,000 travel discounts.

Visa Luxury Hotels Collection

VLHC includes over 900 intriguing and prestigious properties, providing a premium collection of benefits specially designed to offer an unparalleled experience.

Offers:

Best available rate

Automatic Room Upgrade upon arrival

Complimentary in-room Wi-Fi

Complimentary breakfast daily

$25 USD food or beverage credit

VIP guest status

3PM check out (upon request)

Careem Airport Transfers

Enjoy discounted airport transfers with Careem when you pay with your Visa Signature credit card.

• Annual Fees (First Year): Free 

• Annual Fees (Second year onward): SAR 299 

• Supplementary Card Fees: Free 

• Tawarruq Profit Rate: 2.49% 

• Card Replacement Fees: SAR 100 

• Late Payment Fees: SAR 100 

• Cash Advance Fees: SAR 75 

• PIN Mailer Re-issuance Fees: SAR 40 

• Dispute Fees (False Disputes): SAR 50 

• Additional Statement Fees: SAR 40 

• Foreign Currency Mark-up: 2.75% 

• Minimum Payment Due: 5% or SAR 100 (Whichever is higher)

• Customer’s age must range between 18-65 years. 

• Customer must have an account with SAIB. 

• Customer must be employed, self-employed, retired, or average balance accountholders. 

• Note: The Bank reserves the right to accept or reject an application based on the policy in place at the time of the request.

• Filled and signed Credit Card Application form. 

• A valid National ID for Saudis. 

• Salary certificate. 

• 3-month bank statement. 

• Copy of ID for potential supplementary cardholder. 

• Valid commercial registration for self-employed along with 12-month bank statement. 

• For more information please call free number at 800 124 8000.

Cashback on Transactions

Enjoy up to 10% cashback on everyday spends.

Full Digital Experience

Start enjoying the benefits of your SAIB Credit Card by requesting and activating it via “Flexx Touch” mobile application.

Apple Pay

Add your SAIB cards to Apple Pay and enjoy secured and fast payments inside and outside the Kingdom (in stores and online).

Financial and Security Benefits

Easy Payment Plan - 0% Profit Rate

Buy now and pay later with SAIB Easy Payment Plan program! It is designed to enable credit cardholders of making large purchases and converting them to easy and equal monthly payments in 3, 6, 9, or 12 months at selected partners with 0% profit rate (either by shopping online or at showrooms and stores).

Purchase Protection

Shop with ease of mind. With Purchase Protection, your purchases are insured in case of loss, accidental damage or theft.

Extended Warranty

Extended warranty doubles the warranty period offered by the merchant for up to 1 year.

Terms and Conditions:

Full payment of purchased items must be made with your Platinum Cashback Credit Card

New item purchases only

Proof of full payment with Platinum Cashback Credit Card is required

Travel and Lifestyle Benefits

Global Airport Lounge Access

Enjoy access to 25 luxurious airport lounges through LoungeKey membership

No registration is required to activate the lounge benefit for your Platinum Cashback Credit Card

Meet and Assist Service at Airports

Enjoy discounts of up to 15% off retail rates at over 450 destinations globally by booking with your Platinum Cashback Credit Card

Cardholders can book from here and the discount will be applied directly

Services must be booked at least 72 hours prior to commencement of travel

Offer not to be used in conjunction with other promotions

Cardholders can also book other services such as limo transfer, visa on arrival, baggage porters, etc.

The Entertainer

Incredible experiences await you with The Entertainer! Download "Xperience with the ENTERTAINER" mobile application and register using your Platinum Cashback Credit Card to treat yourself to exclusive 2-for-1 deals on food and entertainment in addition to over 5,000 travel discounts.

4 Months FREE with Anghami

Subscribe to Anghami Plus with your Platinum Cashback Credit Card, and enjoy up to 4 months for free for the first year!

Subscribe from here with your Platinum Cashback Credit Card, and get one month free for every 2-month subscription.

DragonPass

Enjoy special offers at over 200 airport restaurants globally. Please download the app "Dine & Travel Companion" and register in order to view the offers and the DragonPass Terms and Conditions

Jumeirah Offers

Up to 25% off stays at the following Jumeirah properties:

Madinat Jumeirah

Jumeirah Royal Saray

Jumeirah Messilah Beach Hotel

Jumeirah Port Soller Hotel & Spa

Jumeirah Frankfurt

Grosvenor House Suites by Jumeirah Living

Jumeirah Lowndes Hotel

Capri Palace Jumeirah

Visa Luxury Hotels Collection

VLHC includes over 900 intriguing and prestigious properties, providing a premium collection of benefits specially designed to offer an unparalleled experience.

Offers:

Best available rate

Automatic Room Upgrade upon arrival

Complimentary in-room Wi-Fi

Complimentary breakfast daily

$25 USD food or beverage credit

VIP guest status

3PM check out (upon request)

Full Digital Experience

Discover the benefits of your Visa Infinite Credit Card by activating it via the mobile application.

Contactless Payment Service

Pay your purchases easily and safely with the Contactless Payment Service by tapping your card on POS devices at stores

Digital Wallets

Add your SAIB cards to your digital wallet at Apple Pay or mada Pay to enjoy a secured and fast payments inside and outside the Kingdom (in stores and online).

Supplementary Cards

You can get up to 5 free supplementary credit cards for your family members. The supplementary cards will offer all of the primary card benefits and with credit limit assigned by the primary cardholder.

·         Saudi Riyal currency card to serve you in your periodical budget exercise

The card can help you separate your expenses as well from your family and household expenses.

·         Easy to request and receive the card

Both primary and supplementary cards can be requested through internet banking “Flexx Click” or “Flexx Touch” or through phone banking “Flexx Call” and the card will be delivered via courier with 5 business days. You may also request an instant issuance by visiting the nearest SAIB branch.

·         Additional cards for family members or households*

You can issue additional cards to your family members who travel and shop frequently whether online or not, this can help you manage travel expenses from other expenses and yet save on foreign currency exchange rate fees. Also this card can serve you in paying your family member allowances and getting them into the habit of budgeting and financial control.

Fees are applied for supplementary cards

·         Chip-And-PIN card safety feature

The card is secured with a Chip-And-Pin safety feature giving more comfort to the cardholder during financial transactions.

·         Easy to get the PIN code:

You can view your PIN easily through SAIB E-channels “Flexx Click” or “Flexx Touch” and “Flexx Call” service.

·         Aseel loyalty program offering great deals and discounts at prestigious participating merchants

Aseel program is a loyalty program offering significant discounts at prestigious merchants from dining to shopping, travel, entertainment and leisure.

·         WooW points loyalty program

WooW program is a loyalty program offering points earned on all purchase transactions done using EasyShopping card. The earned points can be redeemed against attractive airline miles, merchant vouchers, prizes, gifts, and many more. For more information, please click here.

·         Globally accepted at more than 30 million merchants

Enjoy the flexibility and convenience of using your card that is acceptable worldwide.

·         Secure online shopping – supported by 3D secure (verified by visa)

You can rest and shop without having to worry about your online transactions knowing that all transactions done online using any SAIB card is supported by 3D secure (verified by visa) security feature.

·         Online access to view your card account

SAIB online banking and mobile application offers you innovative solutions to save you time and effort, and help you carry out your banking transactions anywhere and around the clock without having to visit the Bank.

·         SMS notification for each transaction

Get additional security with free SMS alerts for every transaction made on your card to provide you with more comfort, security and protection.

·         International Card Replacement

There is no need to worry in case you lost your card during your travel, you can now request an emergency card replacement dispatched to you wherever you are around the world in a shortened period of time. Simply call 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas).

·         Eligibility Criteria

An account with the Saudi Investment Bank.

·         Required Documents.

No documents are required. Applications can be submitted via:

Electronic channels "Flexx Click" or "Flexx Touch"

"Flexx Call" service

Saudi Investment Bank branches.

Note: Documents are required when opening a new account with the Saudi Investment Bank.

·         Fees

Issue fee: 100 riyals

Renewal fee: 75 riyals

Replacement card fee: 50 riyals

Objection fee: 50 riyals

Saudi Investment Bank ATM cash withdrawal fee: 5 riyals

Cash withdrawal fee: 22 riyals

Card transfer fee: No transfer fee

Foreign currency transaction fee not available on the card: 2%

Credit Balance

Use the card as a credit card after requesting the credit balance feature through the bank's banking app.

Online Currency Exchange

You don't need to visit currency exchange centers! You can exchange currencies on your travel card through online banking, the banking app, or phone banking.

No Currency Exchange Fees

When purchasing in any of the currencies added to the card, no exchange rate will be charged for purchases online or at points of sale.

Competitive Exchange Rates

Fixed exchange rate for the US dollar (1 US dollar = 3.75 USD)

Competitive exchange rates for other currencies

Contactless Payment Service

Pay easily and securely with the contactless payment service by swiping your card over point of sale terminals.

Apple Pay and Mada Pay

Add your travel card to your Apple Pay or mada Pay digital wallet and enjoy a fast and secure method of payment inside and outside the Kingdom (in stores and online).

Global Acceptance

Enjoy the flexibility and ease of using your card worldwide (accepted at more than 30 million points of sale).

Additional Cards for Family Members

Issue additional cards for your family members who love traveling and shopping, so they can enjoy the same benefits as your card!

You can request additional cards with a separate balance from your primary card, or with a balance linked to it, as you choose.

Integrated Digital Experience

Discover the credit benefits of your travel card by activating the "Credit Balance" feature through the banking app.

·         Travel and Lifestyle Benefits

Secure Online Shopping: All transactions made using your card are supported by a secure system (Verified by Visa).

Extra Warranty: Extra Warranty doubles the manufacturer's warranty for up to one year.

Purchase Protection: Shop with peace of mind. With Purchase Protection, your purchases are protected against loss, accidental damage, or theft.

·         Financial Benefits and Security Features

Entertainment: Enjoy exciting experiences with The Entertainer! Download the "Experience with the ENTERTAINER" app for smart devices and register with your travel card to enjoy exclusive 2-in-1 dining and event offers, as well as over 5,000 travel offers.

Airport Meet & Greet: Enjoy discounts of up to 20% off the retail price at over 450 destinations worldwide.

Cardholders can book here, and the discount will be activated immediately. Services must be booked at least 72 hours prior to travel.

Visa Luxury Hotel Collection: Visa Luxury Hotel Collection includes over 900 luxury hotels worldwide, offering a range of exclusive benefits designed to provide an unparalleled experience.

Offers:

Best Available Rate

Direct room upgrade upon arrival

Complimentary daily breakfast

VIP guest status

Check-out by 3 PM (upon request)

To avail the offer.

Subject to availability.

AccorHotels Offers: Enjoy up to 33% off your bookings at over 350 AccorHotels hotels in the Middle East, Africa, India, and Turkey.

Jumeirah Offers: Enjoy a 25% discount when you book a suite or villa and pay with your travel card:

25% off the best available rate

Daily breakfast

Unlimited access to Wild Wadi Waterpark at select hotels

Access to the private beach and kids' club

Avis car rental offers

Up to 35% off standard rates

Up to 30% off retail rates

Insurance and assistance benefits

International medical consultation: With the travel card, travel the world with peace of mind:

Telephone medical consultation

Referral to a healthcare provider

Health monitoring before and after hospital treatment

Delivery of essential medications and equipment.

Fees

General Fees (Whether the credit balance is active or not)

Issuance Fee: 100

Renewal Fee: 75

Replacement Card Fee: 50

Dispute Fee: 50

Cash Withdrawal Fee: The equivalent of $6

Card Transfer Fee: No transfer fee

Foreign Currency Transaction Fees Not Available on the Card: 2%

Transaction Fees for currencies available on the card and insufficient funds in the wallet to be debited: 1%

Special Fees (If the credit balance is active)

Profit Margin (Tawaruq): 2.49%

Late Payment Fees: 100

Dispute Fees (Rejected Objections): 50

Foreign Currency Transaction Fees Not Available on the Card: 2.75%

Minimum Payment: 5% or 100 (whichever is higher)