SAB offers a wide range of credit cards tailored to suit different spending needs. The Saudi Sab credit cards offer international acceptance, flexible repayment options, and robust security.
Whether you’re a frequent traveler or a local spender, SAB cards offer accessible and valuable options. This article breaks down the application process, card types, features, and key benefits.
What Are SAB Credit Cards?
SAB credit cards are issued by Saudi Awwal Bank and accepted globally. These cards are equipped with essential features that improve security, manageability, and rewards.
Whether you’re shopping locally or abroad, these cards work efficiently across all major platforms. Each card offers benefits that cater to different customer profiles.
Available Card Types
SAB offers different credit card types to meet personal and lifestyle needs. From basic cards to high-limit premium options, there’s a suitable card for everyone.
Classic and Standard Cards
These are great for everyday use and come with basic protections. You get online banking, international access, and fraud protection.
It’s ideal if you’re new to credit cards or want something simple. Standard fees and eligibility apply.
Platinum and Premium Cards
Premium cards offer higher limits, travel insurance, and concierge access. You also enjoy exclusive offers and wider reward options.
They’re perfect for users with a larger spending capacity. These cards may carry higher annual fees.
Islamic Shariah-Compliant Cards
These cards follow Murabaha principles with no interest charges. Instead, there’s a fixed profit rate declared upfront.
They’re ideal for users seeking Islamic finance solutions. Terms are approved by SAB’s Shariah Board.
Key Benefits and Features
SAB credit cards come with essential and value-added benefits. These features aim to enhance your experience both online and offline.
International Acceptance
You can use your SAB credit card at over 29 million outlets worldwide. Whether it’s online shopping or travel, the card functions without restriction.
This global reach makes it ideal for international users. It’s also EMV chip-enabled for added safety.
ICSAB+ Rewards Program
Every eligible transaction earns reward points. You can redeem points for travel, gift vouchers, and more.
The system is simple, and points are tracked via mobile banking. Some cards offer multipliers for selected categories.
AQSAT Installment Program
You can split big purchases into equal monthly payments. This helps manage your budget while maintaining financial flexibility.
There are no hidden fees, and plans are transparent. AQSAT is especially useful for electronics, travel, and tuition.
Security and Online Protection
3D Secure adds a layer of protection for online purchases. You get real-time alerts, card lock options, and fraud monitoring.
If your card is lost, it can be blocked instantly. SAB apps allow full control over usage settings.
Free Insurance Coverage
Cards come with Purchase Protection and Baggage Insurance. You’re covered for accidental damage or theft of items bought with the card.
Also includes Credit Card Protection Insurance against unauthorized usage. Terms vary based on card tier.
Ongoing Offers and Promotions
Cardholders access exclusive offers year-round. These may include dining, travel, and retail discounts.
Offers change frequently but are easily viewed on SAB’s site or app. Premium cardholders may get additional seasonal perks.
How to Apply for an SAB Credit Card?
To get your SAB credit card, follow a few easy steps. The process is available online, by phone, or in person.
Application Process
You can apply for an SAB credit card through multiple methods. Choose the one most convenient for you and prepare the required documents.
- Apply online at the SAB official website by filling out the application form.
- Visit any SAB branch and submit your documents in person.
- Use internet or phone banking if you’re an existing customer.
- Call customer service at 800-124-8888 for guided support.
Eligibility and Required Documents
SAB has basic criteria that you must meet. Documents are straightforward and commonly required by banks.
General Eligibility
You must be at least 18 years old to apply. You should have a valid Saudi ID or Iqama.
A minimum income of SAR 3,000–8,000 may apply based on the card. You also need a clean SIMAH credit record.
Documents Required
Provide a copy of your Saudi National ID or Iqama. Submit a salary certificate or bank statement as proof of income.
Proof of residency address is also required. Self-employed individuals may need business documentation.
Estimated Interest Rates and Fees
SAB provides competitive rates across card types. Here’s what to expect based on current public data.
- Monthly interest: Ranges from 2.25% to 2.99%
- Annual fees: SAR 200–300 for standard, 500–1,000 for premium
- Cash advance: 2.5% of the amount or SAR 75 minimum
- Late payment fee: Around SAR 100
Islamic Card Option
Islamic cards do not charge interest but apply a fixed profit rate. You know your repayment terms upfront.
This helps in predictable monthly planning. Suitable for Shariah-compliant preferences.
SAB Credit Card Rewards and Points
Cardholders can benefit from long-term usage. The reward system works well if used strategically.
How Does It Work?
Points are earned per SAR spent on eligible transactions. These points can be redeemed via mobile banking.
Use points to book flights, redeem vouchers, or settle bills. Higher-tier cards give faster accumulation.
Bonus Categories
Some cards offer multipliers on fuel, groceries, or travel expenses. These are rotated during seasonal campaigns.
You’ll get notifications through the app or email. It’s important to track active offers.
Contact Support
SAB provides strong customer service channels. You can call 800-124-8888 for card issues or emergencies.
Inquiries are also supported through online contact forms. Visit a nearby branch for in-person help.
Closing Summary: Why SAB Credit Cards Are Worth It?
SAB credit cards are built for users who want international access, flexible payment options, and valuable rewards. You get secure online shopping, robust insurance features, and easy-to-use installment plans.
The application is straightforward, and options exist for every financial profile. The Sab credit cards Saudi line provides versatility, whether you spend locally or abroad.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with SAB before applying or using the card.
