In case a refund occurs for a previous transaction, the cashback will be deducted.

Yes, cashback is calculated on eligible online purchases, and the cashback is determined by merchant category.

Following transactions are not eligible for cashback:

• Balance transfer between e-wallets or any other financial transactions
• Cash withdrawal
• All fees charged by the Bank
• Transactions reversed by the merchant
• SADAD bill payments

The Cashback will be credited end of each statement cycle

Cashback is calculated on the total primary and supplementary card with the capped amount applied

The Cashback will be credited end of each statement cycle

SAB’s Cashback Visa Card provides a range of exclusive offers at your favorite stores in the Kingdom.

Learn more

It is a Travel Card which allows the cardholder to have multiple currencies in a single card. Now you don’t need to queue up at an exchange Teller for foreign currency cash. Just log into the SAB mobile App or SAB Online to transfer funds from your account to your SAB Umlaty Visa card, then transfer funds to your foreign currency wallet at the available exchange rate. International transactions in that currency will no longer be subjected to any Forex related charges or markups.

US Dollars (USD), Euro (EUR), British Pound (GBP), United Arab Emirates Dirhams (AED), Turkish Lira (TRY), Saudi Riyal (SAR), Qatari Riyal (QAR), Bahraini Dinar (BHD) ,  Swiss Franc (CHF).

Yes, you need to have an existing current/saving account with SAB in order to apply for the Card.

By going to SAB Online  and clicking on «Apply Umlaty Card» or by downloading our SAB mobile App from the App Store or Google Play.

If you are a current SAB Customer, simply go online to the SAB Online or SAB Mobile Application where you can apply for the card.

No documents are needed as the application process is digital.

Your limits of the card are a maximum load of SAR 40,000 or its equivalent (in other currencies) at any one time. A daily purchase limit of SAR 200,000 or its equivalent (in foreign currencies) will apply.

 

• Should not exceed 10 transaction per day.
• The daily purchase limit is 200,000 Saudi riyals or its equivalent in a foreign currency

Using the SAB Umlaty Visa Card

Once you have received your card, registered it and set your PIN, you can then load your Card and use it.

After you receive your card from the courier

Go to SAB Online or download our SAB mobile App from the App Store or Google Play

Click on “forgot your password” in SAB UmlatyNet or in SAB Umlaty mobile App and it will then ask you to answer your memorable question. Once you answer it, a one-time-password will be sent to your registered mobile number to verify you, so you can then create a new password. If you have forgotten everything, you need to call the call centre and follow the procedure.

You can use your Card at around 37 million merchants around the world including KSA. You can also use it to make online purchases. When using your card in KSA, you must have sufficient balance in your SAR wallet. You can transfer any balances in your foreign currency wallets to the SAR wallet to use Umlaty at merchants or withdraw cash from ATMs locally. Please note foreign currency conversion rates apply.

If you make a purchase at a merchant for USD, only your USD wallet will be debited, with no additional charges for currency conversion. This works for all foreign currency wallets. On the other-hand, if you make a purchase at a merchant for a non-wallet currency, your SAR wallet will be debited and will incur a conversion rate to the SAR wallet

Log into your account through SAB Online or SAB Mobile App and transfer funds from one of your other wallets to the relevant currency wallet at a favorable foreign exchange rate. Please note that you will incur 2 exchange rate conversion; first from the foreign currency wallet to SAR and then from SAR to the new foreign currency wallet. We recommend to directly transfer from your account to the foreign currency wallet.

Yes, the Card supports online purchasing.

Yes, and the daily withdrawal limit is equivalent to SAR 5,000 per day from overseas or local ATMs There is a fee applied for each cash withdrawal transaction equivalent to SAR 23 inclusive of VAT and fees for local withdrawals inclusive of VAT. Please see the fees and charges section in the User Guide and Leaflet Funds. to be withdrawn should be enough to cover the fee.

Yes, by using the SAB Online or through SAB mobile app.

Yes, if you fund your wallet before your trip, you are less likely to incur fluctuating rates and foreign exchange fees when compared to a regular Debit or Credit Card.

If you travel to a country whose currency is not from the 8 currencies offered, then the transaction will be debited from the SAR Wallet and the currency conversion rates are applied to the transaction.

Immediately after purchasing the currency.

No, the card will automatically debit the appropriate wallet depending on the destination. Although, it is always recommended to inform your bank if you are traveling to avoid any issues when it comes to using your cards internationally.

We currently offer 8 currencies: US Dollars (USD), Euro (EUR), British Pound (GBP), United Arab Emirates Dirhams (AED), Turkish Lira (TRY) and Saudi Riyal (SAR), Bahraini Dinar (BHD) , Swiss Franc (CHF)

Always choose the local currency of your destination. E.g. if in the U.K. select GBP, if in the U.S.A. select USD

No, you must transfer funds from your SAB current account or from your USD wallet using SAB through your account in SAABNET or SAB Mobile. Please note that if you transfer funds from your USD wallet, you will be subject to two currency conversion rates; USD to SAR and then SAR to GBP. Therefore, we recommend you transfer from your current account or SAR wallet and you will incur one conversion rate e.g. SAR to GBP.

You can spend a daily limit of SAR 200,000 or its equivalent in foreign currencies of your available balance in your wallets.

Please select “Credit” and not “Cheque” or “Savings” option and this will access the available funds in the wallet.

Reloading SAB Umlaty Visa Card

Yes, you can reload the card from SAB Online or SAB mobile app.

You will receive a notification through SMS or by checking your wallet balance through SAB Online or SAB mobile app.

No, you can only fund your wallets from your existing current/saving accounts.

Customer support

First, check if you have provided the correct PIN number. Then, make sure you have sufficient funds in the local currency wallet of the country you are travelling to. If none of these, please contact the call centre..

The contact numbers are always provided on the back of the Card. 800 124 3000 (KSA), +966 11 4062833(International line)

Yes, the Card supports Apple pay and Mada pay service.

The cardholders shall receive their welcome bonus miles upon card activation and spending 1,000 SAR which has to be during the first 90 days from issuance, afterwards miles will be credited within 60 days to cardholder AlFursan membership.  

The cardholder will get 1 mile per 2.5 SAR spent domestically and 1 mile per 1 SAR spent internationally.

Miles earned from spending will be credited to the cardholder’s AlFursan membership on the 15th of the next month.

Holders of the SAB Alfursan Black Travel Credit Card will receive miles up to 200,000 miles, as shown below:a

Enjoy miles up to 200,000

• Activation Miles: 30,000
• Quarterly Bonus: 30,000 X 4 = 120,000
• Base Miles on Transactions:
  1. Domestic spend of 117,000 SAR earns 46,800 miles
  2. International spend of 3,200 SAR earns 3,200 miles
• Total Miles: 200,000

SAB Alfursan Black Travel card offers cardholders many unique options ranging from travel insurance up to 250,000 USD, airport lounge access for main card holder & +1 guest access, flight upgrades for a favorable rate, and exclusive offers only for SAB Alfursan holders for more details, click here 

ALFURSAN card holders can proceed to the Saudia website by clicking here or downloading the Saudia app, for IOS click here, for Android, click here then proceed with ALFURSAN user ID for log in, once logged in using ALFURSAN ID, cardholders will see their miles presented.

SAB Alfursan card is SAB AlFursan BLACK is a World Elite Mastercard Credit Card tier.

No. The following transactions are not eligible for miles:

• Balance Transfers • Easy Payment Plans • Cash withdrawal • Utility bills / SADAD payments • Financial fees • Digital wallets payments (eg STC PAY, URPAY, etc.) • All fees imposed on the card by the bank • Reverse transactions by merchants

The following merchant categories will earn 90% less miles:

• Educations • Donation • Barbershops and Beauty • Utilities and Governments fees • Insurance and IPOs • Real-estate and Rentals • Gas stations • Quick Service Restaurants • Automobile sales and maintenance • Transportation, Roads, parking lots   • Cleaning Garment and Laundry Services

It is a prepaid MADA card that enables the employer to pay the domestic workers’ wages and incentives electronically via recognize banking channels.

The domestic labor wages protection system is a system that aims to protect and secure both the employer and domestic worker rights, facilitate payroll management, and limit the breaches occurring in the labor market.

The payroll card should be issued before updating the contact information.

The updating of domestic workers’ contracts information must be done via Musaned online portal.

• Open Musaned online portal.
• View the listed domestic workers.
• Select the domestic worker who you wish to update her/his contract information.
• Update the employer’s address in case required.
• Fill up the form by specifying the amount of the monthly wage and the domestic worker’s prepaid payroll card details.
• Accept the terms of the disclaimer to finalize the authorization process.

Yes, it is possible.

The employer must specify the exact amount mentioned in the original recruitment contract.,

The employer can print out the updated contract for own purposes and provide the domestic worker with a copy as well, while the electronic copy is sufficient.

The contract information updating is mandatory for all domestic workers working in the Kingdom of Saudi Arabia.

It is mandatory to update the domestic workers’ contracts information via Musaned online portal and to issue the prepaid payroll cards as well for all domestic workers working in the Kingdom of Saudi Arabia.

No, it does not conflict.

Yes, it is required to wire transfer the whole amount.

Open Musaned online portal and review the domestic workers listed in the system, then select the one you wish to update her/his contract information to start the process.

No, it is not mandatory for the employer to confirm the wire transfer of the domestic worker’s monthly wage.

You can apply for your Household Salary Card at the nearest SAB branch.

All you need to apply is:

• A Filled out and signed Household Salary Card Account Opening Form
• Copy of Labor worker’s ID signed by the ID holder (the employee)
• Copy of Sponsor’s ID signed by the ID holder (the sponsor)

The difference is that Household Salary Card has restrictions (which don’t apply to the Current Account) such as:

• Deposits (Only the sponsor is allowed to deposit money from his account into the Salary Card Account and no way else)
• No access to other Banking products (Loans, Credit Cards, Current/Savings Accounts etc.)
• No International use and is not co-branded (only used inside the Kingdom)

Unfortunately no, in accordance with SAMA’s prepaid card programs; the Household Salary Card does not allow for any type of deposit into the account other than the salary paid out by the sponsor.

Local transfers are not allowed, only Remittances to pre-defined beneficiaries are allowed for the Household Salary Card.

No, that is it not possible for anyone other than the sponsor.

No, as the Household Salary Card is only MADA branded, it can only be used within the Kingdom of Saudi Arabia.

Just follow the simple steps below:

• The cashier will insert yourcard into the chip-card reader of the POS terminal.
• The card must stay inside the POS terminal during the processing of the purchase transaction.
• Wait until the cashier asks you to enter your PIN.
• Enter your card PIN and wait for the approval response from the POS terminal.

Once the transaction is approved, collect your sales receipt along with your card from the cashier.

 *This method is applied only when the POS terminal supports chip-card technology. If the POS terminal does not support this, then the card will have to be swiped using the magnetic stripe and the 6-digit PIN code will have to be entered.

If your sponsor changes for any reason, you must inform the bank as soon as possible and provide your new sponsor’s information in order to update your account.

Unfortunately no, in accordance with SAMA’s prepaid card programs; you are not eligible for loans, credit cards, and other SAB products.

In case you forget your PIN, you need to visit a SAB branch to issue a new PIN.

You can change your PIN at any time through a SAB ATM.

If you would like to replace your card due to lost/stolen, you need to contact the SAB Call Center who will block your card immediately. You will then receive your new card in the mail.

Your daily purchase and cash withdrawal limits are:

Daily Cash Withdrawals 5,000 SAR

Daily Purchases 20,000 SAR

Yes, you can use your Household Salary Card to pay for your everyday purchases at retail outlets all over the Kingdom. Your Household Salary Card is accepted at over 190,000 retail outlets in the Kingdom.

You can withdraw cash from your bank account by using your Household

Salary Card at:

• Any SAB ATM in the Kingdom
• Over 16,000 ATMs in the Kingdom displaying the MADA logo

Your Household Salary Card offers you a wide range of free Banking services at SAB ATMs only including:

• Cash withdrawals
• Balance enquiries
• Mini-statements of the last 5 transactions
• PIN change
• SADAD payments

Yes, you have access to branches.

In the branch you also have access to the following services:

• Card replacement via the Instant Card Issuance service
• Cash Withdrawals
• SADAD Payments
• Remittance
• Balance enquiry
• Mini statement
• Account statement
• PIN Reset
• Card Replacement

Your Household Salary Card will be sent to you by mail. Or you can receive your card from the branch via Instant Card Issuance.

The card is activated through the branch after it is issued.

Yes, whether you have one or more workers, you may issue a card for each household worker you have under your sponsorship

Small and Medium-sized Enterprises either supported by Kafalah Program or not can apply today through Relationship Manager.

The company first must apply for opening a Business Card Account with SAB and SAB will be authorized to issue Business Cards to the employees of the company as per authorized person’s request.

Company Application:

• Application Form
• Terms & conditions
• Initial Disclosure form
• Commercial Registration
• Owner's ID

Employee Application:

• Application Form
• Terms & Conditions
• Initial Disclosure form
• Copy of employee ID/Iqama

Yes, SAB Credit Cards are aligned with Sharia laws.

You can issue as many cards as your business needs without breaching your total credit limit.

You can activate your card simply through SAB SME contact center on 800 124 5666.

Yes, you can make any transaction type through your card either online or through POS.

Yes

Yes, & cash withdrawal limit is 30% of your card limit.

Yes, you can provision your card in Apple Pay and MADA Pay manually.

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone (800 124 5557)

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct ( 800 124 5557  ) 5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

SAB Cash on Call (COC) is a credit card feature that offers the convenience of availing instant cash within your credit limit and transfer the funds to any account (SAB or other bank) under your name in KSA.

You can apply for Cash on Call through one of SAB channels/ways:

1. At the time of applying for a SAB Credit Card.
2. Contacting SAB though Campaign line 8001245557 and requesting for a Cash on Call facility.
3. Through Digital Channels.

There is no maximum number of transactions as long as it is within 30% of your Credit Card limit or up to your available Cash limit. The minimum transaction amount is SAR 500

Yes, you can avail Cash on Call on all SAB Credit Cards except Visa low limit Cards and SAB Business Credit Card.

Cash on Call is a facility provided at the sole discretion of the bank. The bank may approve or reject the request as mentioned in the detailed Cash on Call terms and conditions available on the website.

2 working days, excluding weekends.

If 2 consecutive payments are missed, then Cash on Call transaction will be cancelled. Any outstanding will be treated as a Cash transaction which is subject to daily profit rate.

No, you won’t earn ICSAB+ points or Miles on Cash on Call transactions.

Example:

Requested amount is SAR 10,000 and 1% processing fees and 1% monthly profit rate.

Tenor 3 months Processing fees= 1% *10,000= SAR 100 (Billed in full in the next statement).

Profit Rate= 10,000* 1%= SAR 100, Total Profit paid for 3 months= SAR 100*3= SAR 300. Installment= 10,000/3=3,333+ monthly Profit SAR 100, Customer has to pay SAR 3,433 every month

You can pay off the outstanding of Cash on Call like any other transaction, however you MUST contact the SAB Campaign line: 8001245557 to cancel Cash on Call transaction, otherwise the Cash on Call will remain active and the payment made to your card will be parked as extra balance that will offset any future retail transaction. An early settlement shall apply to the remaining outstanding and any future profit will be waived.

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone (800 124 5557)

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct ( 800 124 5557  ) 5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone (800 124 5557)

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct ( 800 124 5557  ) 5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone (800 124 5557)

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct ( 800 124 5557  ) 5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone (800 124 5557)

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct ( 800 124 5557  ) 5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone  800 124 5557

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct  800 124 5557   5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

SAB Aqsat is a credit card feature that offers the convenience of paying large value transactions in small, equal and affordable installments.

It’s simple. Once you make a purchase of SAR 500 or more, you need to call SAB Phone (800 124 5557)

5 days after you make the transaction and within 15 days from the transaction date and request to

convert the purchase amount into instalments for a nominal fee. You will have to specify the

repayment duration (6, 12, or 24 months) for which you would like to benefit from the Aqsat feature.

No, you do not need to apply or fill a separate application form to benefit from AQSAT. All you need to do is to call SAB Direct ( 800 124 5557  ) 5 days after you make the transaction and request to convert your purchase amount into AQSAT (monthly installments).

There are no documents or a down-payment required to benefit from the Aqsat feature

A nominal processing fee depends on the AQSAT plan you choose. For more about fees please check the table above.

The table below is an example of how “SAB AQSAT” works for credit card transaction of SAR 5,000 converted into a SAB AQSAT plan for 6, 12, or 24-months term:

Yes, all SAB Credit Cardholders can benefit from the AQSAT feature, (Except for SAB Visa Credit Card * My Card and SAB Business Credit Card).

No, there is no limit on the number of transactions you can convert to AQSAT. You can convert your transaction to AQSAT up to the maximum available credit limit but no more than 95% of your credit card limit

The credit limit equal to the AQSAT transaction would be blocked initially. The remaining balance of the booked AQSAT transaction would be blocked and released gradually after each monthly installment. For Example: If your credit limit is SAR 10,000 and you have done an AQSAT transaction for SAR 6,000. Initially, your credit limit would be blocked for SAR 6,000 and as and when you are repaying your monthly installment of SAR 1,000, the blocked limit would be released. Once you repay 3 installments, you would have SAR 7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of SAR 10,000.

The relevant A Monthly Installment will be added to Amount Outstanding and the Minimum Amount Due on each month’s statement, the total of which needs to be settled by the customer on or before the payment due date (until all Aqsat outstanding amount is fully paid)

In case you wish to cancel the AQSAT transaction prior to the end of any outstanding AQSAT term, you need to call SAB Phone at 800 124 5557 and request for the same. This will take a minimum of 3 working days for the cancellation to take effect. The AQSAT outstanding amount RESTRICTED will be added to the overall outstanding amount which would need to be settled by the payment due date. The Bank will charge a fee of SAR 115 as an early settlement fee.

Yes, you can benefit from exclusive 0% annual percentage rate at participating merchant outlets.

Yes, you earn ICSAB+ reward points for purchases converted to AQSAT.

For more information about AQSAT, please call SAB Phone 800 124 5557 (within the Kingdom) or +966 800 124 5557 (outside the Kingdom)

No, the limit increase applies to point of sale purchases.

No, it only applies to purchases made with a SAB Debit Card.

Yes, you can increase and decrease your daily purchase limit at a later stage.

No, the minimum daily purchase limit is SAR 20,000.

Yes, the service covers international and local purchases.

If your Card was captured by SAB off-site ATM/CDM, Please refer to the nearest SAB Branch and request a new Card.

If your Card was captured by SAB Branch ATM/CDM, Please refer to the Manager Branch Operations (MBO) to retrieve the retained Card. If the Card was expired, then the MBO will issue you a new Card.

Note: If you do not visit the Branch within 2 working days, the Bank will destroy the Card and you will have to request a new Card.

Before you can use your card, you’ll need to get your 4-digit PIN code through one of the following ways:

By Phone

Please call the phone number that is printed on your card and follow the Below steps:

a)    If you are registered with SAB direct:

1. log in to SAB direct by selecting option number 1.
2. Select option 2 “Account Services”.
3. Select option 5 “Debit card PIN creation”.
4. Enter your 12-digit account number plus 1-digit issue number printed at the bottom of the card (Account number + Issue number).
5. Enter your new PIN code. (4 digits)
6. Re-enter your new PIN code. (4 digits)
7. You have completed the pin creation process,

please ensure you do the first transaction on any ATM machine.

b)    If you are not registered with SAB Phone:

1. Select option 3 “Debit Card PIN creation”.
2. Enter your 12-digit account number plus 1-digit issue number printed at the bottom of the card (Account number +Issue Number).
3. Enter your ID number.
4. Enter the SMS code sent to your mobile which contains 6-digits.
5. Enter your new PIN code. (4 digits).
6. Re-enter your new PIN code. (4 digits).
7. You have completed the PIN creation process,

please ensure you do the first transaction on any ATM machine.

At a Branch

You can obtain your 4-digit PIN code by visiting your nearest SAB branch. Once the PIN code set up has been completed by a member of the branch staff, you can specify your own PIN code at any SAB ATM.

Important:

•  If your card is new or a replacement card, you need to obtain a new PIN code
•  If the card is a renewed card, then you can continue to use your current PIN code
•  The PIN code can be changed easily at any time by calling SAB Phone or through any SAB ATM
• Whenever you select or change your card PIN code via SAB Phone, please ensure that you do  the first transaction on any local or international ATM machine

Yes, this feature will be available automatically to all customers.

The feature will be automatically enabled when the customer activates their SAB mada Debit Card

Yes, they can do it through SAB’s digital channels (SAB Online, SAB Phone and SAB ATMs)

The card is issued with a daily online payment limit of 5,000 SAR as a minimum and the customer may increase it to a maximum of 20,000 SAR and the customer can also choose a daily limit from the following options:

• 5,000
• 10,000
• 15,000
• 20,000

Yes, they can through the electronic channels offered by SAB. Additionally, the customer can activate/deactivate the feature through SAB’s digital channels (SAB Online, SAB Phone and SAB ATM

Yes, SMS messages will be sent automatically to the customer’s mobile number registered with SAB.

A Virtual Debit Card is the digital form of the mada debit card designed especially for online purchases. The customer can apply and obtain the card instantly through SAB Online or SAB Mobile without the need to obtain a plastic card or visit the branch and it is free of charge.

The customer can obtain a virtual debit card through Online Account opening as well.

The Virtual Debit Card Information Includes:

• Customer Name
• Card Number
• Expiry Date
• Security Code of 3 digits

1. Log in to SAB Mobile then Select Issue Card.
2. Select Account then choose card type.
3. Review the details of the account and card type selected.
4. Enter the OTP code sent to your mobile
5. The virtual Card is issued and you may view the card details by selecting “View my Virtual Card”
6. Activate Virtual Card through selecting Card Services.
7. Select the card then set a pin to activate your virtual card.

1. Log in to SAB Online then Select Issue Virtual or mada card
2. Select Account
3. Verify and Confirm
4. Set a PIN to activate your virtual card
5. Click on “View Virtual mada card” to view your card information
6. Select the card you want to view
7. Enter the OTP sent to your mobile to view all card details

• This feature is for New customers.
• You will obtain a new virtual mada card instantly once the account is opened online successfully.
• You can activate the virtual card through the channels SABBNet, SAB Mobile or IV

Through the channels, SAB Online, SAB Mobile or IVR by setting a PIN Number.

Yes , you can activate your virtual debit card and use it immediately.

• Instant Issuance and Activation.
• Card can be added to Apple Pay and mada Pay and used as a mobile payment method
• 3D Secure Authentication of all online purchases
• Holds all the features of a physical debit card.
• Offered within Online Account Opening Journey.
• View Virtual Card details digitally
• Virtual card Issued digitally without visiting the branch.

Yes, can be used in both International and local purchases

Yes, you can manage the daily limit of the card through SAB Online and SAB Mobile same as for the physical debit card

Yes, an SMS message will be sent to the customers’ mobile number registered with SAB.

No, the services are 100% complimentary for SAB AlFursan black travel Credit Cards & Emirates Infinite Credit Cardholders (Primary & Supplementary) and that is until 31 December 2025

You will be asked to be authenticated before entering Alawwal lounge through:

• Matching the name on the card against the name on the Passport
• Authenticating the card eligibility and activation status by making a 1 SR transaction per guest at entry, which will be reversed.

Alawwal lounge entrance is located between terminals 3 and the main Altanfeethi entrance of King Khalid International Airport, and supports passengers travelling on airlines supported by Terminal 3 and 4. To learn more about which airlines are supported by Terminal 3 and 4, please click here

Yes

Eligible Cardholders are permitted to invite 1 additional guest to Alawwal lounge. The +1 guest offer is valid on both the Primary & Supplementary card. Children below the age of 5 years old are permitted to enter for free.

No, Physical card is needed.

No, the services are limited for SAB AlFursan black travel Credit Cards & Emirates Infinite Credit Cardholders (Primary & Supplementary) and that is until 31 December 2025

No. the Alawwal lounge services are limited to the services up until the waiting lounge.

No, there is no need to pre-book to benefit from Alawwal Lounge. Passengers must simply present their SAB Alfursan or Emirates Credit Cards at the entrance to continue with the authentication process.

SAB’s Visa "My Card" Credit Card works like any other Credit Card. However, you can only spend money that has been transferred to the credit card account.

Yes, you need to have an active SAB Account.

No, you cannot make Cash withdrawals with a SAB Visa "My Card" Credit Card

Yes, the SAB Visa "My Card" Credit Card is accepted internationally.

You can transfer  funds from your bank account through SABNET or by calling SAB Phone.

No, there are no charges associated with the use of the SAB Visa "My Card" Credit Card.

Yes, you will receive an E-Statement (electronic format) but not a printed account statement.

The credit limit for the SAB Visa "My Card" credit card is SAR 50.However, you can add credit up to a maximum of SAR 50,000 per month.

You must first transfer funds from your account to be able to use it.

There is no annual fee. There is only a one-time processing fee of 50 SAR .

The eligibility criteria is as follows:

• Applicants must be between 18 and 60 years of age
• Applicants must be residents of Saudi Arabia
• Applicants must have a SAB Account
• Customers with a negative SIMAH credit history report are not eligible

No, you cannot earn ICSAB points on purchases made using the SAB Visa "My Card" Credit Card.

• A completed application form
• Copy of valid ID/ Iqama

Yes you can issue up to 5 supplementary cards.

No, there are no late payment fees for the SAB Visa "My Card" Credit Card.

You can only transfer funds from your bank account through SABNET or SAB ATMs.

If your Card was captured by SAB off-site ATM/CDM, Please refer to the nearest SAB Branch and request a new Card.

If your Card was captured by SAB Branch ATM/CDM, Please refer to the Manager Branch Operations (MBO) to retrieve the retained Card. If the Card was expired, then the MBO will issue you a new Card.

Note: If you do not visit the Branch within 2 working days, the Bank will destroy the Card and you will have to request a new Card.

Since the Card is based on Tawarruq principles, the Bank will carry out a Tawarruq transaction by selling you certain commodities owned by the Bank for the remaining balance of the total amount due and settling that balance from the proceeds of selling those commodities.

Sometimes you may need cash, whether you are at home or travelling outside the Kingdom. SAB Credit Card enables you to withdraw cash up to 30% of the Credit Card limit from ATMs both locally and internationally.

You need to call SAB Phone and ask for CASH ON CALL, and within 3 working days the amount will be credited to your current account.

You can redeem your points via ICSAB+ portal by following the below steps:

·         login to SabMobile, OR Sabonline.

·         From “My Banking” Click on ICSAB+ Rewards.

·         Click on “Take me to My ICSAB+ Portal”.

·         From the side menu click on “E-vouchers/e-Gifts”.

·         Chose the merchant, and select the e-voucher SAR value.

·         Input your information, then confirm your request.

·         You will receive message contain the e-voucher.

Yes, there is no limit for the number of vouchers per customer.

If the voucher was issued during campaign, you can benefit from the offer and use the voucher in any other time before the expiration date of the voucher. 

No, Almosafer Wallet Amount/ Wallet Points cannot be applied in conjunction with any other offer. Wallet Points cannot be applied in conjunction with any Almosafer Partner offers at the same time.

1. Log in to your Almosafer Account.
2. Go to “Profile”.
3. Click “Add points to your Wallet” then click “Use a Wallet points code”.
4. Enter your “Voucher code” to proceed click “Submit code”.
5. Almosafer team will validate the code and add the points to your wallet it may take up to 1 hour.

The SAB Emirates Visa Infinite Credit Card is a co-branded credit card offered by Saudi Awwal Bank in partnership with Emirates. This card allows you to earn Skywards Miles on your daily spending!

Every time you use your SAB Emirates Visa Infinite Credit Card for purchases, you earn Skywards Miles. These miles can be redeemed for various rewards within the Skywards program. These miles need around 48 hours to be reflected on the customer's account after purchasing.

The number of Skywards Miles you earn per purchase depends on the type of purchase (domestic, international, Emirates) and the amount spent. The specific details can be found under the Skywards Benefits section or by contacting SAB customer service.

Yes, there are certain transactions that do not qualify for earning Skywards Miles such as transfers or installment conversions. There are also certain merchant categories that earn significantly less miles (90% less) such as education and donations. The specific categories can be found under the Skywards Benefits section of the card’s webpage or by contacting SAB customer service.

1. Examples of miles calculation for specific types of transactions could be as follows:
   • SAR 450 – Clothing Shopping (domestically spent)  ((450)×(1))/3.75= 120 miles 
   • SAR 1500 – Economy Class Ticket (Emirates spend)  ((1,500)×(2))/3.75= 800 miles
   • SAR 12,000 – Hotel Stay (internationally spent)  ((12,000)×(1.5))/3.75= 4,800 miles
   • SAR 50,000 – University Tuition (internationally spent)  ((50,000)×(1.5)×(0.1))/3.75= 2,000 miles (90% less miles earned on Education category)
   • SAR 3,000 – Donation (domestically spent)  ((3,000)×(1)×(0.1))/3.75= 80 miles (90% less miles earned on Donations category)

Customers will be able to view the miles rewarded from their transactions on their accounts within 48 hours of the billed transaction. After the miles have been reflected on the Skywards account, the customer can use them as they please.

Refunds will be calculated by SAB and miles earnings will be adjusted from later purchases such that the total accredited miles are in line with the total amount spent (based on the transaction type, as shown in the above calculation example).

Welcome miles are bonus Skywards Miles that you earn when you first get your SAB Emirates Visa Infinite Credit Card and meet the criteria for earning them. The only condition for the SAB Emirates Visa Infinite card is a spend amount of SAR 50,000 on eligible categories within the first six months.

Customers can earn 50,000 miles after spending a total of SAR 50,000 within the first 6 months from card issuance. Customers will be able to see the miles reflected on their accounts 60 days after meeting the criteria for awarding. Customers can spend the welcome miles freely after they are posted to their accounts.

 You can link your SAB Emirates Visa Infinite Credit Card to your Emirates Skywards account by providing your Skywards membership number during the card application process. If you already have the card but do not have a linked account, please contact SAB customer service.

If you do not have an Emirates Skywards account, you can create one on the Emirates website. Once you have your Skywards membership number, you can link it to your SAB Emirates Visa Infinite Credit Card!

You will receive a monthly synopsis SMS to inform you of the miles you have earned during that month as well as potential communications regarding upcoming campaigns for the credit card. You are also eligible to potentially receive calls from SAB sales teams to receive exclusive offers.

The SAB Emirates Visa Infinite Credit Card can be used worldwide and on online platforms (where Visa cards are accepted).

Skywards Miles can be redeemed through the Emirates Skywards program for flights, upgrades, and other exclusive rewards.

The annual fee for the SAB Emirates Visa Infinite Credit Card is applied immediately and is not waived. The fee is SAR 750 (Without of VAT).

You can apply for the SAB Emirates Visa Infinite Credit Card through SAB Online or SAB Mobile, or via the link (click here) for non-SAB customers.

If your card is lost or stolen, please contact SAB customer service immediately to report the loss and prevent unauthorized usage.

If you close your SAB Emirates Visa Infinite Credit Card, your Skywards Miles will remain in your Emirates Skywards account if it is active.

Yes! Skywards Miles earned by supplementary cardholders will be credited to the primary cardholder’s Emirates Skywards account.

No, you won't be able to access lounges using your physical Visa card. To enjoy lounge access, please register on the Visa Airport Companion App prior to your visit.

Yes, to register on the App, you will need to enter your Visa card details. Should you receive a new card (due to loss, theft, or expiration), you'll need to update the details accordingly.

No, registration must be completed via the app before you can access the lounge. You can register from anywhere with an internet connection. We highly recommend registering prior to arriving at the lounge to ensure a seamless entry experience.

Yes, you are welcome to bring guests to the lounges. If you do not have complimentary guest visits, you can still invite guests for an additional fee (USD 32), which will be charged to your registered Visa card.

Visa Airport Companion App is a fully digital, app-based experience. Unfortunately, without a smartphone, you will be unable to utilize this service.

Yes, you can add multiple eligible Visa Credit cards to your Visa Airport Companion account. Simply navigate to the membership page and select 'Add new membership' to enter the details of your additional card. Once validated, a new membership linked to that card will be created. You can easily switch between memberships by selecting 'Switch membership' on the membership page

Each supplementary cardholder must register their own account with Visa Airport Companion App, using their personal details, including their name as per their passport and their email address. Lounge staff will verify the name on the Visa Airport Companion App profile, and entry will be denied if it does not match the cardholder’s identity.

Yes, you can enable offline access through your device’s biometrics. Upon registration, you will be prompted to enable offline access, however this must be completed while the App is connected to Wi-Fi or mobile data. This feature can also be managed in the 'Account' section under 'Security'. When offline, you will see a prompt on the login page to view your membership without internet. Confirm using your biometrics to proceed.

Lounge access is subject to availability on the day of your travel. If the lounge is at capacity, we recommend checking the app for alternative lounges you may visit.

All Samsung devices are supported for NFC payment which have version 11 and above. 

All SAB cards are eligible for Samsung pay.

Yes, Samsung Pay support all type of Point of Sale & e-commerce transactions.

No. This will be coming soon. Currently, card adding is only available through SAB Mobile.

Samsung Pay will be available gradually to Samsung users in Saudi Market starting from 9^th of December 2024. 

• Depending on the Credit Card you carry, the below monthly caps are set:

Card	Free Visits (per month)
SAB World Elite Exclusive Mastercard	6
SAB Visa Signature Credit Card	3
SAB Premier Credit Card
SAB Advance Credit Card	2
SAB Emirates Signature Credit Card	1
SAB Visa Platinum Credit Card
SAB Cashback Credit Card
SAB Platinum Mastercard Credit Card
SAB Alfursan Black Mastercard Credit Card
SAB Titanium Mastercard Credit Card

1. Download the ZAPS  app from the App  Store or Google  Play Store.

2. Register or sign in to the account 

3. Select the city and location

4. Once the customer arrives, he/she must indicate to the valet operator that they would like to benefit from the service 

5. Valet operator to enter the dedicated code 

6. Request will be submitted successfully

Yes, you have to provide the below information when registering on the ZAP application:

• Name
• Mobile number
• First 9 digits and last 5 digits of your SAB Credit Card

No, the journey is fully digital done through ZAP mobile application

Yes, and the number of visits for the primary and supplementary cards will be calculated separately

The complimentary valet service is available at select locations as shown above, and SAB reserves the right to change this list from time to time.

AQSAT Credit Card is designed for installment-based payments. Every purchase made will automatically convert into 3 profit rate free installments.

The minimum purchase that can be made on AQSAT Credit Card is SAR 50.

The maximum purchase amount is up to your available credit limit.

Yes, you will receive a monthly statement showing your installment payments and any outstanding balance.

Absolutely! There are no early settlement fees, so you can settle your balance at any time.

No, AQSAT Credit Card is purely focused on providing a flexible installment experience without the frills like lounge access or loyalty points.

AQSAT Card is available to all existing SAB credit card customers who already have a valid existing credit card with a credit limit of SAR 5,000 or more.

Existing credit card customers can apply for AQSAT Credit Card digitally (using SAB Net or SAB Mobile) by transferring a portion of their existing card’s limit into the AQSAT Credit Card.

The minimum limit that you can transfer to AQSAT Credit Card is SAR 1,000 (or 5% the of existing limit whichever is lower)

The maximum Limit that you can transfer to AQSAT Credit Card is SAR 20,000 (or 20% of the existing limit whichever is lower)

No, you can only transfer unutilized credit limits from your existing credit card to AQSAT Credit Card

The card can be used at all merchant stores/or websites globally; the card cannot be used to withdraw cash from ATMs, and it cannot be used for purchases below SAR 50

No, unlike existing Buy Now Pay Later (BNPL) providers in the market, you do not have to pay the first instalment at the time of purchase. Your first instalment will be billed to you in the AQSAT Credit Card statement and the first installment will be collected automatically based on the statement.

No, there are no ICSAB+ loyalty points or cashback from using AQSAT Credit Card. It is only meant to facilitate the payment in 3 installments

No, you do not get these benefits with AQSAT Credit Card

No, customers can pay off and settle their outstanding balance in full at any time without any fees.