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Annual Fee

500

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.

Purchase Protection

Protect your card with coverage against unauthorized transactions.

Easy Payment Plan (0% Profit)

Protect your card with coverage against unauthorized transactions.

Fraud Protection

Protect your card with coverage against unauthorized transactions.

Extended Warranty

Protect your card with coverage against unauthorized transactions.

Travel Services & Privileges

Your card unlocks premium services to elevate your travel experiences.

Stay at 900+ luxury hotels and enjoy best available rates, room upgrades, daily breakfast, Wi-Fi, and other premium perks with Visa Luxury Hotels Collection.

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Unlock 2-for-1 deals on dining, travel, and entertainment, plus thousands of extra offers with The Entertainer app.

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Enjoy seamless airport support with the Meet & Assist Service, getting priority help, fast-track access, and up to 15% off at over 450 global destinations.

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Get complimentary access to 1000+ airport lounges worldwide with the Visa Airport Companion app.

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Enjoy a 24-hour global lifestyle premium service, which includes travel information, arrangements, reservation assistance

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Access free global medical support and emergency travel assistance for you and your family while abroad.

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Benefit from insurance on all your trips and your family's with a maximum trip duration of 90 days.

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Helpful Calculators

Use simple tools to estimate credit limits, foreign exchange costs, and rewards earnings.

Enter the details below to view your estimated credit limit and profit rates.

Salary Transferred to SIB
Non Salary Transfer
Eligible Credit Limit
0.00
Annual Profit Rate 0%
Monthly Profit Rate 0%
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.

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.

Exchange Rate (Indicative): 1 USD = $ 3.75

International Transaction Fee: 2%

0.00
0.00
0.00
Reset Calculation

Example Calculation

Card Type 

Travel Card (Credit Limit)

Credit Limit 

10,000

Amount Used

7,000

Tawarruq Profit Rate (Monthly)

2.49%

Annual Fee

0

Minimum Payment Due

5%

Annual Percentage Rate (APR)

34.33%

Estimated Repayment Period

75 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

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.

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

Annual Fees by Segment

Silver

500

Silver
Gold

250

Gold
Platinum

Free

Platinum

Fees & Minimum Payments

Supplementary Card
Free (up to 5 cards)
Credit Card Reissuance
$50
Supplementary Card
$1.5
Tawarruq Profit Rate
2.49% Monthly
International Transactions
2%
Cash Withdrawal (ATM)
3% of transaction (up to $ 75)
Cash Withdrawal (Transfer to Current Account)
3% of transaction (up to $ 75)
Cash withdrawal (E-Wallet Recharge)
Free
Additional Statement
$40
False Transaction or Statement Dispute
$25
Local Credit Card Purchases (POS and Online)
Free

Frequently Asked Questions

You will receive your card within 7 business days from the approval date.

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).

For security reasons, you will receive your card and PIN separately.

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).

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.

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).

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.

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.

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Customer Care

Submit inquiries, raise complaints, and access support anytime.

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Branches & ATMs

Easily locate branches and ATMs wherever you are.

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E-Banking Services

Bank smarter and faster with our secure digital platforms.