Annual Fee 300 Includes up to 5 free supplementary cards Minimum Monthly Payment 5% of the outstanding balance Tawaruq Profit Rate 2.49% Shariah-compliant Card Features & Benefits Digital Wallet Support Pay quickly and securely with Apple Pay or mada Pay. Supplementary Cards Give your family up to 5 supplementary credit cards with shared perks and flexible limits Learn more Purchase Protection Cover your eligible purchases against loss, theft, or accidental damage. Learn more Easy Payment Plan (0% Profit) Break big purchases into 0% profit monthly installments. Learn more Fraud Protection Protect your card with coverage against unauthorized transactions. Learn more Extended Warranty Add up to 1 extra year to the original warranty on eligible purchases. Learn more Unique Experiences & Invitations Preferential Banking Fees Enjoy lower fees, higher limits, and preferential rates on deposits, loans, and FX. Lottie file Exclusive Travel Privileges Complimentary lounge access, upgrades, and curated travel experiences. Lottie file Global Concierge Service Access 2-for-1 offers on dining, travel, and entertainment via The Entertainer app. Lottie file Lifestyle & Entertainment Access Save up to 35% on Avis Car Rental bookings online with exclusive offers for SIB cardholders. Lottie file Helpful Calculators Use simple tools to estimate credit limits, foreign exchange costs, and rewards earnings. Example Calculation Card TypePlatinum Cashback Credit CardCredit Limit 10,000Amount Used 10,000Monthly Profit Rate (Tawarruq)2.49%Annual Fee 399Minimum Payment Due5%Annual Percentage Rate (APR)45.41%Estimated Repayment Period75 months *Cards issued before 15 December 2019 are subject to annual fees based on product terms and conditions upon issuance**Above example is according to product terms and conditions as of 16 March 2023 Credit Limit & APR Rewards Points Foreign Exchange The APR calculation includes VAT applied to the annual fee Enter the details below to view your estimated credit limit and profit rates. Your Age (Years) Monthly Salary Employment Sector Salary Transferred to SIB Non Salary Transfer Salary Transferred to SIB Non Salary Transfer Salary Transfer Status Monthly Expenses Eligible Credit Limit 0.00 Annual Profit Rate 0% Monthly Profit Rate 0% Apply Now Reset Calculation The amounts shown are estimates based on the details you provide. They do not take into account monthly obligations or credit bureau assessments. For exact figures please call 800-124-6000 or visit your nearest SIB Branch. All credit cards are subject to eligibility and bank approval. Enter your spending details to estimate the points you could earn. Spending Category Spending Amount 0 Estimated Points Earned Reset Calculation Actual points may vary based on eligible transactions and applicable terms. Enter the amount in USD to view the estimated transaction value and applicable fees. Transaction Amount (USD) Exchange Rate (Indicative): 1 USD = $ 3.75 International Transaction Fee: 2% 0.00 0.00 0.00 Reset Calculation Eligibility Criteria Required Documents Card Fees Age Applicants must be between 18 and 65 years old. Employment & Financial Information Applicants must be employed by an approved employer, be a business owner or retiree, or maintain an average balance that meets the Bank’s requirements. View full Terms & Conditions, Risks of Credit Cards, and Risks of Card Dispute Credit Card Application Form Submit a filled and signed Credit Card Application form. National ID Provide a valid Saudi National ID. Account Statement Submit your account statement for the last 3 months. Supplementary Cardholder ID Provide a valid ID for each requested supplementary cardholder. Self-Employed, Along with a 12-Month Bank Statement Valid commercial registration for self-employed along with 12-month bank statement. View full Terms & Conditions, Risks of Credit Cards, and Risks of Card Dispute Annual Fees by Segment 300 Silver Free Gold Free Platinum Fees & Minimum Payments Supplementary Card Free (up to 5 cards) Reissuance of Credit Card(Lost, Damaged, Incorrect PIN) 15 Late Payment 50 Credit card inquiry via ATM 1.5 Tawarruq Profit Rate 2.49% Monthly International Transactions 2% Cash Withdrawal (ATM) Not to exceed 3% of transaction maximum limit of 75 Cash Withdrawal(Transfer to Current Account) Not to exceed 3% of transaction maximum limit of 75 Cash withdrawal(E-Wallet Recharge) Free Additional statement fees 40 False Transaction or Statement Dispute 25 Use your credit card locally at POS terminals or Online Purchases Free Frequently Asked Questions How long does it take to receive my SIB Credit Card? You will receive your card within 7 business days from the approval date. How can I check the status of my Credit Card application? You can check your application status through our Digital Banking or by calling 800 124 8000 (within the Kingdom) or +966 11 418 3100 (from overseas). Will I receive my Credit Card and the PIN together? For security reasons, you will receive your card and PIN separately. How can I activate my Credit Card? You can activate your card through the SIB Retail App, SIB Retail Online, or by calling 800 124 8000 (within the Kingdom) or +966 11 418 3100 (from overseas). What should I do if I lose my card or if it is stolen? You can report the loss or theft through the SIB Retail App, SIB Retail 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. My Credit Card expires soon. Do I need to request a new one? No action is required. You will receive a renewed card 2–4 weeks before the expiry date.If you do not receive it, please call 800 124 8000 (within the Kingdom) or +966 11 418 3100 (from overseas). Can I set a credit limit for my Supplementary Cards? Yes. You can set a limit for Supplementary Cards (within your primary card limit) by contacting SIB Phone Banking, SIB Retail App, SIB Retail Online, or visiting any SIB branch. How can I pay my outstanding credit card balance? You can pay your outstanding balance through the following channels: SIB Retail App SIB Retail Online SIB Phone Banking SIB ATMs Direct debit from your SIB account 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