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 (§), 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§40,000 or its equivalent (in other currencies) at any one time. A daily purchase limit of§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§wallet. You can transfer any balances in your foreign currency wallets to the§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§wallet will be debited and will incur a conversion rate to the§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§and then from§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§5,000 per day from overseas or local ATMs There is a fee applied for each cash withdrawal transaction equivalent to§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§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 (§), 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§and then§to GBP. Therefore, we recommend you transfer from your current account or§wallet and you will incur one conversion rate e.g.§to GBP.

You can spend a daily limit of§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.

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

Daily Purchases 20,§000

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

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 below transactions are not eligible for Miles: • Balance Transfers • Easy Payment Plans / AQSAT Program • 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 • Petrol Station and Service station

The following merchant categories will earn less miles (For every§12.5 you spend locally at point of sales, you will earn 1 mile): • Educations • Donation • Barbershops and Beauty • Utilities and Government fees • Insurance and IPOs • Quick Service Restaurants • Real-estate and Rentals • Automobile sales and maintenance • Transportation, Roads, parking lots • Cleaning Garment and Laundry Services

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§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§10,000 as a minimum and the customer may increase it to a maximum of§50,000 and the customer can also choose a daily limit from the following options:

• §5,000
• §10,000
• §15,000
• §20,000
• §30,000
• §40,000
• §50,000

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.

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§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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§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§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§10,000 and 1% processing fees and 1% monthly profit rate.

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

Profit Rate= 10,000* 1%=§100, Total Profit paid for 3 months=§100*3=§300. Installment= 10,000/3=3,333+ monthly Profit§100, Customer has to pay§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§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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§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§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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§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§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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§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§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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§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§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 (3, 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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§115 as an early settlement fee.

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

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

No, rewards ( ICSAB+ Points/Miles/Cashback ) earned for the respective purchases will be reversed once the same is converted into AQSAT

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§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§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§10,000 and you have done an AQSAT transaction for§6,000. Initially, your credit limit would be blocked for§6,000 and as and when you are repaying your monthly installment of§1,000, the blocked limit would be released. Once you repay 3 installments, you would have§7,000 available limit and once you settle the entire AQSAT outstanding balance, you would have your entire credit limit of§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§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’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§50.However, you can add credit up to a maximum of§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.

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.

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. 

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§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§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§1,000 (or 5% the of existing limit whichever is lower)

The maximum Limit that you can transfer to AQSAT Credit Card is§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§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.

1.  Log in to your SAB Mobile / SAB Online.
2. Then choose “ICSAB+ Loyalty Program”
3. Click on ICSAB+ Redeem points.
4. Choose the “Points Exchange”.
5. Choose your preferred Loyalty program that you would like to transfer your points.
6. Choose the number of ICSAB+ points you would like to exchange and it will show you how many points or miles it equates to in another loyalty program.
7. Enter the other loyalty program membership number and your email address.
8. Click Continue & Confirm.

The points exchange transaction will be instantly. However, the points get transferred depends on the other loyalty program, and it may take up to 1 working day depending on the partner loyalty program and the Bonus Avios under this offer will be added instantly to the Privilege Club account or no later than 15th March 2025.

No you cannot benefit from the offer if the transaction was not completed within the same period of the offer of Qatar Airways Privilege Club.   

Yes, you must be a registered member of Qatar Airways Privilege Club.

No, once the points exchange transaction is completed, it is not possible to reverse, or refund the points or cancel it. It's crucial to review all entered details information carefully before proceeding with a transaction.

From ICSAB+ platform, click on points redemption and click on “points exchange” then click “View my Orders” and you will find all your request and the status.

additionally, you can verify the points/miles credited in your account from the other loyalty program.

You will find the minimum and maximum limits of the number of ICSAB+ points on the points exchange platform.

If you encounter any issues or need assistance with points exchange transaction, you may please reach out to SAB customer service to address your inquiries and promptly resolve any issues.

1. Log in to your SAB Mobile / SAB Online.
2. Then choose “ICSAB+ Loyalty Program”
3. Click on ICSAB+ Redeem points.
4. Choose the “Points Exchange”.
5. Choose your preferred Loyalty program that you would like to transfer your points.
6. Choose the number of ICSAB+ points you would like to exchange and it will show you how many points or miles it equates to in another loyalty program.
7.  Enter the other loyalty program membership number and your email address.
8. Click Continue & Confirm.

The points exchange transaction will be instantly. However, the points get transferred depends on the other loyalty program, and it may take up to 1 working day depending on the partner loyalty program and the Bonus Miles under this offer will be added instantly to AlFursan Account or no later than 7 working days after transaction being Fulfilled.

No you cannot benefit from the offer if the transaction was not completed within the same period of the offer.

Yes, you must be a registered member of AlFursan Rewards Program.

No, once the points exchange transaction is completed, it is not possible to reverse, or refund the points or cancel it. It's crucial to review all entered details information carefully before proceeding with a transaction.

From ICSAB+ platform, click on points redemption and click on “points exchange” then click “View my Orders” and you will find all your request and the status.

additionally, you can verify the points/miles credited in your account from the other loyalty program.

You will find the minimum and maximum limits of the number of ICSAB+ points on the points exchange platform.

If you encounter any issues or need assistance with points exchange transaction, you may please reach out to SAB customer service to address your inquiries and promptly resolve any issues.

It is a promotional campaign that will reward customers with extra points for every (ICSAB+ CA$H) redemption make. An additional 298 ICSAB+ points will be added to the customers balance for every§200 ICSAB+ CA$H redeemed. 

The offer will be on the national occasion of (Saudi Founding Day), dated in (1727), we are using the number of years since the founding date, which is 298 years.

No, there is no limit or cap on redemptions, you can make as many redemptions as you want as long as the points are available.

298 points will be added to your balance for every§200 (ICSAB+ CA$H) redemption.

Starts from 22^nd till 28^th February 2025.

Points will be added within a week of campaign end date for all the Cash redemptions.

Yes, ICSAB+ points expire after one year from the date of earning them, and they must be redeemed during this period.

Yes, the offer is valid for all (ICSAB+ CA$H) redemption transactions made through SAB Online and SAB Mobile.

You can redeem your points for Instant "ICSAB+ CA$H" through SAB Online and SAB Mobile by following the below steps:

• Log in SAB Online or SAB Mobile using your credentials Scroll Down & Click on Loyalty Programs
• Select “ICSAB+ CA$H” option
•  List of available accounts & credit cards will pop up
• Click on the preferred Account or Credit Card you wish to be credited with Cashback value.
•  Click on “Select Amount” drop down list and choose the preferred amount of ICSAB + points to be redeemed.
• Verify the request details and click proceed
• Final confirmation page will be displayed “All Done!”
• General retail banking terms and conditions of ICSAB+ rewards programs apply. 

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.

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§50,000 on eligible categories within the first six months.

Customers can earn 50,000 miles after spending a total of§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§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.

“Pay with ICSAB+” is one of the redemption options for ICSAB+ points. Allowing customers to pay using their points at any store worldwide or settle bills through SADAD or government payments.

Upon completion of the payment, the amount will be deducted from the customer’s balance, followed by the deduction of points, the amount will then be refunded immediately.*

1. Log in to SAB Mobile or SAB Online.
2. Go to “Loyalty Programs” (ICSAB+).
3. Select “Pay with ICSAB+ points.”
4. Select the account or credit card you want to use.
5. Activate the “Pay with ICSAB+ Points” feature.

1. Pay however you want (Apple Pay, Samsung Pay, online, or through digital wallets).
2. Then you will receive an SMS with the deduction of the transaction amount.
3. After that you will receive an SMS for ICSAB+ point’s redemption and credit an amount equal to or less than the transaction price, based on the points available in your ICSAB+ points balance.

Yes, you can use the service for your previous transactions after selecting “Pay with ICSAB+ points,” follow these steps:

1. Select your account or credit card.
2. You will find your previous eligible transactions “not older than one month”.
3. Select the transaction you wish to redeem from your points.
4. Click “Confirm” to complete the transaction.
5. You will receive an SMS confirming the refund to your account/ card with the number of redeemed points.

You can use the “Pay with ICSAB+” feature at merchants inside and outside the Kingdom, for online purchases, bill payments, government payments and through digital wallets.

Yes, the minimum is 1250 points, equivalent to§100.

Yes. You must activate the feature by accessing the ICSAB+ rewards program and enabling the “Pay with ICSAB+” option.

Yes, the available points will be used to cover the equivalent amount, and the remaining balance will be charged to your account.

No, once the redemption is completed using “Pay with ICSAB+” it cannot be reversed or canceled.

Please contact the Customer Service for immediate support and resolution.

No, there are no fees.

You can view your current points balance through the Loyalty Programs in the dashboard on SAB Mobile or through the Loyalty Programs in my banking on SAB online.

Yes, you can use the Pay with ICSAB+ feature at all stores inside and outside the Kingdom.

Yes, through the ICSAB+ Loyalty Programs in the dashboard on SAB Online and SAB Mobile.

If the product is returned by the merchant, only the amount will be refunded, but the points used are non-refundable.

Yes, you need to activate the feature each time, as the feature will automatically stop after every successful transaction.

SAB Credit Cardholders receive an exclusive offer up to 10% off on hotel bookings at participating Accor Group Hotels worldwide.

All SAB Credit Card holders are eligible to enjoy this discount except “Umlaty” and “My Card”

Book directly through the offer link and pay using your SAB credit card and the discount will be applied immediately upon booking.

The offer is valid across participating hotels and resorts within the Accor Group worldwide.

To see the participating hotels please click here.

The offer is valid from 1 November 2025 until 30 April 2026 and subject to room/hotel availability

This offer cannot be combined with other promotions, vouchers, or discounts.

No promo code is needed, simply pay with your SAB Credit Card to enjoy the discount.

For more details, please visit the Terms and Conditions section of this offer at the top of this page.

• Depending on the Credit Card you carry:

Card	Quarterly Cap
Mastercard World Elite Exclusive	18
Visa Signature	6
Mastercard Premier
Visa Platinum Advance	3
Visa Platinum	3
Visa Cashback
Visa Emirates Infinite
Mastercard Titanium
Mastercard Platinum
Mastercard Alfursan Black

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

The service is available to SAB credit cardholders with eligible cards:

• Domestic:
  • Mastercard World Elite Exclusive: 12 rides per quarter
  • SAB Emirates Infinite, SAB AlFursan black Mastercard, Visa Signature, SAB Premier: 2 rides per quarter
  • SAB Advance Visa Platinum, SAB Visa Platinum, SAB Platinum Mastercard and SAB Visa Cashback: 1 rides per quarter
• Global:
  • SAB Alfursan Black Mastercard and SAB Emirates Infinite Visa credit card: 2 time per quarter

The service is currently available in Riyadh, Jeddah, and Dammam within KSA and in Dubai. 

You can book the service through the ZAPS Premium mobile application. Download the app from the Saudi App Store, log in or register, and follow the steps to book your airport transfer.

You will need to provide:

• City and car type.
• Terminal number, flight number, and flight date/time.
• Customer Location (pickup, drop-off)

Yes, there are certain restrictions:

In domestic airports:

• Mercedes S-Class or BMW 7 series up to 3 passengers with 2 mid-size bags & 1 small bag
• Lexus Sedan or Lucid Electric up to 3 passengers with 2 mid-size bags and 1 small bag
• GMC Yukon, up to 4 passengers with 2 big bags and 2 small bags
• Ford Taurus or BYD Electric, up to 3 passengers with 2 mid-size bags and 1 small bag

In global airports:

• Lexus  Sedan up to 2 passengers with 2 mid-size bags and 1 small bag

Ride requests must be made at least 48 hours in advance.

Yes, through the ZAPS Premium application. But, the customer should reschedule at least 48 hours in advance and cancel at least 24 hours before the scheduled booking. 

You will receive an SMS confirmation once your request is approved. Once the SMS is received,  you can download a voucher from the application containing the driver’s details for your convenience.

Yes, there are restrictions based on the number of passengers and luggage, depending on the car type selected.

Any service-related issues should be reported to ZAPS Premium via the in-app support. SAB will ensure your concerns are addressed appropriately.

No additional rides will be added, once the quarter ride limit is reached. Fresh eligibilities will be added to your profile every quarter

No, each destination is calculated as a ride.

For further assistance, please contact SAB Customer Service on our digital channels or refer to the ZAPS Premium app for support.