Annual Fee 399 Includes up to 5 free supplementary cards Minimum Monthly Payment 5% or 100 whichever is higher 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 Turn Everyday Spending Into Cashback! Discover how your Platinum Cashback Credit Card helps you earn up to 10% back on everyday purchases, with rewards that grow each time you spend. Learn More Travel Services & Privileges Your card unlocks premium services to elevate your travel experiences. Visa Luxury Hotels Offers 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. Lottie file Visa Luxury Hotels Offers Access over 900 premium hotels worldwide through the Visa Luxury Hotels Collection, and enjoy exclusive privileges when booking with your Platinum Cashback Credit Card. Your stay includes: Best available rate. Room upgrade upon arrival (subject to availability). Complimentary daily breakfast. Complimentary in-room Wi-Fi. USD 25 food or beverage credit per stay. VIP guest recognition. 3:00 PM late checkout (upon request, subject to availability). Book Now Exclusive Entertainment Offers Unlock 2-for-1 deals on dining, travel, and entertainment, plus thousands of extra offers with The Entertainer app. Lottie file Exclusive Entertainment Offers Enjoy exclusive 2-for-1 offers on dining, leisure, wellness, and travel with The Entertainer, available through Visa Airport Companion app. Simply download the Visa Airport Companion app and register using your Platinum Cashback Credit Card to unlock thousands of curated offers across the region. Explore Offers Meet & Assist Services 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. Lottie file Meet & Assist Services Experience a smoother airport journey with personalized meet & assist services from YQ Now Group at 450+ destinations worldwide.What you get: Save up to 15% off standard rates when booking with your Platinum Cashback Credit Card. Receive dedicated assistance for arrival, departure, or transit, including fast-track support where available. Book additional services such as limo transfers, visa on arrival assistance, and baggage handling. What you need to know: Complete your booking at least 72 hours before travel. This offer cannot be combined with other promotions. Book Now Airport Lounge Access Get complimentary access to 25 airport lounges worldwide with the Visa Airport Companion app. Lottie file Airport Lounge Access Enjoy access to 25 premium airport lounges across key destinations worldwide.What you need to know: Register in the Visa Airport Companion App to activate lounge benefit for your Platinum Cashback Credit Card. Lounge access becomes available once the eligibility requirements are met. Make international transactions totaling at least USD 100 within 90 days before using the benefit. Lounge access is available to the cardholder only, guest access is not included. Enjoy up to 6 lounge visits per calendar year once eligibility requirements are met. Log in to the Visa Airport Companion App for full details and eligibility criteria. Learn More Helpful Calculators Use simple tools to estimate credit limits, foreign exchange costs, and rewards earnings. Credit Limit & APR Foreign Exchange 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 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 Example Calculation Card Type Travel Card (Credit Limit)Credit Limit 10,000Amount Used 10,000Tawarruq Profit Rate (Monthly)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 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 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 399 Silver 399 Gold 399 Platinum Fees & Minimum Payments Supplementary Card Free (up to 5 cards) Credit Card Reissuance 15 Late Payment 50 ATM Balance Inquiry 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 Is cashback applied as a discount at the time of purchase? No. You pay the full amount at the merchant. Cashback is credited later and reflected in your monthly statement. What can I use my cashback for? You can use your cashback balance to make additional purchases. Once credited, it appears as a credit balance on your card. What happens if cashback is credited before my due date? If you have outstanding amounts, your cashback will be applied toward them automatically. If there are no amounts due, the cashback will be added to your card balance. Only the primary cardholder can redeem cashback. Do I need to meet a minimum spend to earn cashback? You can start earning cashback immediately on eligible international transactions with no minimum spend.For selected categories, a minimum spend of applies. Why didn’t I receive the advertised cashback for a transaction? Cashback depends on how the merchant is classified by Visa or Mastercard. If a merchant falls under a different category, cashback may not apply. You do not earn cashback on transactions that fall outside eligible categories. SIB is not responsible for ensuring merchant classification. Which transactions do not earn cashback? You do not earn cashback on the following transactions: Balance transfers Cash advances Dial-a-cheque transactions (except for education) Bank fees and charges Reversed or refunded transactions SADAD bill payments Any other transactions excluded by the bank from time to time Do I earn cashback on reversed, refunded, or cancelled transactions? If a transaction is refunded or reversed, the related cashback amount will be deducted from your cashback balance in the month the reversal is processed. 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. 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). 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