Eligibility for Mada Gold Card The mada Gold Card is automatically issued to customers who qualify for the SIB Gold Segment. View Segments eligibility and benefits Maintain an average balance of 100,000 for 3 consecutive months Make a minimum instant deposit of 500,000 for new customers within 90 days of account opening Receive a minimum monthly salary of 25,000 for 3 consecutive months To qualify for the SIB Gold Segment, customers must meet at least one of these criteria. Eligibility Criteria Card Fees Primary Account & Segmentation Applicants must have an active SIB account and meet the Gold segment eligibility requirements. Government Identification Expatriats must have a valid Iqama and passport. View full Terms & Conditions, mada Card Risks, and Risks of Card Dispute Issuance of MADA CardFreeRenewal of MADA CardFreeReissuance of a MADA Card Retained by an ATMFreeReissuance of a MADA Card (Lost / Damaged / Incorrect PIN entered three times) 5Issuance of an Additional MADA Card 5Local Use of MADA Card at POS Terminals or Online PurchasesFreeUse of MADA Card at POS Terminals within the GCC NetFreeInternational Purchase Transactions2% of the transaction amountCash Withdrawal Using MADA Cards via the GCC Net 10 International Cash Withdrawal Using MADA Cards (Excluding GCC Net)Not exceeding 3% of the transaction amount, with a maximum limit of 25 Balance Inquiry and Mini Statement via ATMFreeBalance Inquiry Using MADA Cards via ATMs within the GCC Net 3Wrong dispute of transactions or account statement 15 View full Terms & Conditions, mada Card Risks, and Risks of Card Dispute Frequently Asked Questions What is a Mada Gold Card and how does it benefit me? The Mada Gold Card from The Saudi Investment Bank gives you instant access to the funds in your account, without the need to withdraw cash. You can use your card locally and internationally through the Visa network, while easily managing your finances and monitoring your spending, as all transactions appear on your account statement. How can I obtain a Mada Gold Card? The Mada Gold Card has no minimum eligibility requirements.The Mada Gold Card has no minimum eligibility requirements.The Mada Gold Card has no minimum eligibility requirements.The Mada Gold Card has no minimum eligibility requireThe Mada Gold Card has no minimum eligibility requirements The Mada Gold Card has no minimum eligibility requirements.It is issued automatically when you open a Current or AlBarakah Savings Account with SIB as a Gold Segment customer. What is the difference between a Mada Card and a Credit Card? A Mada Card works on a “buy now, pay now” basis, while a Credit Card follows a “buy now, pay later” model. When you use your Mada Gold Card, payments are deducted directly from your account, so there are no monthly repayments or profit charges. What online services can I use with my Mada Gold Card? You can access a wide range of services through SIB Mobile and SIB Online, including: Viewing account balances Viewing transaction history and statements Viewing card details and card transaction history Transferring funds between your accounts and other SIB accounts Making SARIE transfers within the Kingdom of Saudi Arabia Transferring funds to your investment account with Alistithmar Capital Making international transfers Paying SADAD utility bills Making Ministry of Interior (MOI) government payments Viewing payment history Earning Rewards points, redeeming rewards, and accessing exclusive offers through SIB’s Loyalty Programs Using Tap & Pay features for fast and secure contactless payments Additional services are also available. Learn more I forgot my PIN. How can I view it? You can view your PIN through SIB Mobile or SIB Online, or request it through SIB Phone. What should I do if I lose my card or if it is stolen? You can report the loss or theft through SIB Mobile, SIB Online, or by calling 800 124 8000 (within the Kingdom) or +966 11 418 3100 (from overseas).Your card will be blocked immediately, and a replacement will be sent to you within 5–7 business days. You will receive a new PIN, and the card will remain inactive until you activate it 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. /en/customer-care Branches & ATMs Easily locate branches and ATMs wherever you are. /en/sib-self-service-solutions E-Banking Services Bank smarter and faster with our secure digital platforms. /en/e-banking-services