Annual Fee 399 Includes 5 free supplementary cards Minimum Monthly Payment 5% or 100 The higher amount applies Tawaruq Profit Rate 2.49% Shariah-compliant Features & Benefits Deposit Cash 24/7 Make deposits at ATMs anytime, even outside branch hours. Branch-Free Convenience Deposit cash directly through ATMs without waiting in queues. Secure Transactions Meets EMV and PCI DSS security standards to protect cardholder data. Real-Time Credit Credit funds to your account immediately after each deposit. Multi-User Access Entity can issue multiple cards to different users. Each card is linked to a single individual, and multiple cards can be linked to one account. Rewards & Offers Earn Rewards Points or cashback on eligible transactions, subject to the program offered. Eligibility Criteria Required Documents How to Apply Registered Business Entity Must be a registered corporate entity or SME with an active business account. Credit Assessment Must have a satisfactory credit assessment in line with bank policy. Business Standing Must operate as an established business entity in accordance with applicable regulations. View full Terms & Conditions Issuance Application Complete the issuance application and provide the details of the agent who will use the cash deposit card, along with the required documents based on nationality: For Saudi agents: Copy of a valid Saudi ID signed by the agent Employment letter stating the job title or employment card For non-Saudi agents: Copy of a valid Iqama signed by the agent Printout from the Yaqeen system including Iqama details and expiry date Employment letter stating the job title. Document Certification Stamp all documents as “True Copy” and sign against the stamp. Ensure authorized signatures are provided on each application form. Sponsorship Letter for the Corporate Agent Provide an authorization letter to the bank confirming that the employee works for the company and is authorized to use the deposit card to deposit cash on its behalf. Bank Account Statements Submit bank account statements covering the last 6 months. View full Terms & Conditions Prepare Required Documents Gather and ensure all required documents are ready before proceeding with the application. Submit Your Application Submit your application along with the required information to begin the review process. Application Review The bank reviews your application to assess eligibility and next steps. Final Decision Based on the review outcome, the application is either approved or declined, and you are notified of the decision accordingly. View full Terms & Conditions Example Fees Transparent breakdown of all applicable fees for your business cards Annual FeesFreeSupplementary Card FeesFreeTawarruq Profit Rate2.49%Card Replacement Fees100Late Payment Fees100Cash Advance Fees100PIN Mailer Re-issuance Fees100Dispute Fees (False Disputes)100Additional Statement Fees100Foreign Currency Mark-up2.75%Minimum Payment Due\5% or 100 The higher amount applies Frequently Asked Questions How are credit limits determined? Credit limits are assessed based on your company’s financial health, turnover, and banking relationship. Can I set individual limits for each cardholder? Yes. You can assign a specific credit limit for each supplementary card within the overall primary card limit. What is the billing cycle and payment process? Your credit card statement is generated monthly. You must pay at least the minimum due shown on your statement by the due date. Is the card accepted internationally? Yes. SIB Credit Cards are accepted at POS and ATMs worldwide wherever the card network (Visa, Mada, etc.) is supported. Are there Rewards Points or cashback benefits? Yes. SIB cards participate in programs such as Rewards Program that offers Rewards Points and specific cashback offers. We’re Always Within Reach Stay connected to your banking, through our customer care team, digital channels, and branches everywhere. Customer Care Submit inquiries, raise complaints, and access support anytime. /customer-care Branches & ATMs Easily locate branches and ATMs wherever you are. E-Banking Services Bank smarter and faster with our secure digital platforms. /personal/e-banking-services