SAB Credit Cards are popular options in Saudi Arabia due to their international use and strong features.
This article explains how to apply, what documents are required, and what benefits you can expect.
You’ll also learn about fees, protections, and rewards. Read through this guide to decide if these cards are right for you.
How to Apply for SAB Credit Cards in Saudi Arabia?
Applying for a credit card is simple if you understand the steps clearly. SAB offers both online and offline options depending on your preferences.
Where You Can Apply?
You can apply online through the SAB website if you’re a new or existing customer. Visiting a local SAB branch is another way to begin the process if you prefer in-person help.
SAB also lets you apply through their phone banking system. Make sure your documents are ready before applying.
Step-by-Step Application Process
Start by selecting your preferred SAB Credit Card product from the website or in-branch options.
Fill out the application form and upload the required documents, including your ID and income proof.
SAB’s system will verify your information and may request further documents if needed. Once approved, your credit card will be delivered to your registered address.
Eligibility Criteria and Required Documents
Before applying, make sure you meet the eligibility guidelines. The bank has clear standards for income and documentation.
Who Can Apply?
You must be a resident of Saudi Arabia with a valid national ID or Iqama. The minimum monthly income requirement may vary depending on the type of SAB Credit Card.
Some cards require SAR 3,000 per month, while premium cards may require SAR 10,000 or more. You must also have a good credit history.
Documents You’ll Need
Prepare your documents before applying to avoid delays. These include:
- Valid National ID or Iqama showing residency status
- Salary Certificate from your employer or income proof
- Latest 3-month bank statement from your active account
- Proof of address, such as a utility bill or rental agreement
Top Benefits of SAB Credit Cards
SAB Credit Cards offer many features that cater to both local and international users. These are designed to help you save, earn rewards, and shop safely.
Summary of Key Benefits
Below are the primary benefits you get when using an SAB Credit Card. Each one adds value depending on how you use your card.
- Global acceptance at 29 million outlets – You can shop anywhere Visa or Mastercard is accepted.
- Internet and phone banking – Manage your card from anywhere, anytime.
- 3D Secure – Extra verification when shopping online.
- Ongoing offers and seasonal discounts – Save on restaurants, travel, and more.
- ICSAB+ Rewards Programme – Earn reward points on qualifying purchases.
- AQSAT Installment Programme – Pay big expenses in equal monthly amounts.
- Free protection insurance – Includes purchase and baggage protection.
- Credit card protection – Covers against unauthorized use and card loss.
Different Types of SAB Credit Cards
There are multiple SAB Credit Cards available to suit different lifestyles. Each one has distinct advantages.
Standard Cards
These cards are ideal for basic daily purchases with lower income requirements. They offer all essential services like international access and online banking.
The limits are modest, helping with budget control. They’re good for building your credit history.
Gold and Platinum Cards
These come with higher credit limits, more reward points, and enhanced travel perks. You also receive priority support and extra insurance benefits.
If you spend frequently or travel often, these tiers are worth considering. Eligibility depends on your income level and credit score.
Islamic-Compliant Credit Cards
SAB offers Shariah-compliant cards that avoid interest and comply with Islamic finance principles. Instead of interest, a fixed fee or profit rate applies.
These cards are popular among customers who prioritize faith-based financial practices. They still include features like AQSAT and rewards.
How Does the AQSAT Programme Help You?
The AQSAT feature is ideal for customers who make large purchases. It allows you to convert spending into easy payments.
AQSAT Benefits at a Glance
Here are the key features of AQSAT and how it works:
- Split large purchases into fixed monthly installments
- Pay in equal parts over 3 to 24 months
- Enjoy a low or no profit margin, depending on the item and offer
- Use for travel, electronics, or education fees
You must request to activate this during or immediately after the transaction. It’s a strong tool for managing finances during big expenses.
Online Shopping and Card Security
SAB Credit Cards offer tools to keep your transactions safe. These features are especially useful if you shop frequently online.
Built-In Security Measures
You’ll benefit from 3D Secure for added verification during purchases. The bank also provides real-time SMS alerts for every transaction.
You can block your card instantly through internet banking if suspicious activity occurs. These tools help prevent fraud before it becomes a problem.
ICSAB+ Rewards Programme: What You Can Earn
The rewards program is one of the most popular features of SAB Credit Cards. You earn points automatically with eligible spending.
Earning Points
You get points for domestic and international transactions. Points vary depending on the card tier and category of spend.
Some cards offer higher points for travel, dining, or supermarket purchases. The more you use your card, the faster you earn.
Redeeming Rewards
Points can be exchanged through SAB’s online portal. You can redeem them for gift cards, travel bookings, electronics, or cashback. The process is fast and fully digital. There is no cost for redemptions.
Included Protection and Insurance Coverage
You won’t need to pay extra for several types of insurance. These benefits come with many SAB Credit Cards by default.
Main Coverage Areas
You’re covered for accidental loss or theft with credit card protection. Purchases are insured against damage or theft for a certain period.
Some cards also offer baggage insurance if you travel abroad. These protections add peace of mind during daily use.
Interest Rates and Applicable Fees
Understanding costs is important when choosing a credit card. SAB Credit Cards have transparent rates depending on the product.
Interest and Charges
Monthly interest rates typically range from 2.25% to 3.50%. Some Islamic-compliant cards use fixed profit margins instead of interest.
Annual fees start from SAR 250 but vary by card level. Late payment penalties and cash advance fees also apply.
Banking Access and Online Management
SAB provides full digital access through its website and mobile app. This helps you manage your credit card with ease.
What You Can Do?
You can check your balance and recent transactions anytime. You can block or unblock your card instantly.
Redeem rewards and apply for AQSAT in a few taps. All services are available 24/7 with secure login.
Verified Contact Information for SAB
If you need support or want to apply offline, contact SAB using the official details below.
- Phone for Emergencies: 800 124 8888
- National Address: 7383 King Fahad Branch Rd, 2338 Al Yasmeen Dist., 13325 Riyadh, Kingdom of Saudi Arabia
- Official Website
Who SAB Credit Cards Work Best For?
This type of credit card fits users with steady income and frequent spending habits. It’s especially useful for frequent shoppers and travelers.
Why These Cards Are a Good Match
You value rewards programs and want to maximize everyday purchases. You prefer having the option to split large transactions with AQSAT.
You want access to international services, digital tools, and insurance. You are comfortable with monthly payments and meeting card obligations.
When to Consider Other Card Options?
There are cases where SAB Credit Cards might not be ideal. These reasons should be reviewed carefully before applying.
Possible Limitations
You don’t meet the income requirements or have a limited credit history. You rarely use credit and prefer prepaid or debit cards.
You want a card without fees or interest charges. You prefer rewards in another form, like airline miles or cryptocurrency.
Smart Tips Before Applying
Make sure you’re prepared before starting the process. A little preparation avoids rejection and confusion.
Checklist to Review
Check if your salary meets the card’s income bracket. Gather your documents in advance to speed up processing.
Compare cards side-by-side on the SAB website. Review interest charges and reward terms before you commit.
Disclaimer
This article is for educational purposes only. Information such as interest rates and eligibility may change over time. Refer to the official SAB website for the most up-to-date details before applying.
Final Thoughts: Should You Choose an SAB Credit Card?
SAB Credit Cards offer strong features for shopping, travel, and finance management. With wide acceptance and digital convenience, they work well for modern users.
You also get access to reward points, installment plans, and insurance. If your profile matches the eligibility, applying could be a smart financial move.
