VLHC includes over 900 prestigious properties, providing a premium collection of benefits specially designed to offer an unparalleled experience.
The Travel Card
The 100-Currency Card .. for Travels and More
The multi-currency Travel Card enables its holder to pay in 100 different currencies at best exchange rates with ZERO exchange rate conversion!
You can use the Travel Card in two ways:
Pre-Paid: You can use the card as a prepaid card by transferring the money from your current account to your travel card balance.
Credit Card: You can use the card as a credit card, by applying for a credit limit through the bank’s Mobile Application and using the limit to transfer money to your Travel Card.
One card to use in your travels or when shopping online to enjoy faster and safer transactions. You can issue additional cards for your family members.
Travel Card come with 5 Free Default Currencies: US Dollars - USD, Great Britain Pound - GBP, Euro - EUR, Emirati Dirham - AED, Saudi Riyal -SAR
Rewards & Benefits
1 WooW Point for every
3 SAR spent
Discounts with
Accor Hotels
Avis Car rental
deals
25% at Jumeirah
Grand Getaway
Visa Luxury Hotels Collection
Offers:
- Best available rate
- Automatic Room Upgrade upon arrival
- VIP guest status
- Complimentary breakfast daily
- 3PM check out (upon request)
- Book must be made from here
* Upon availability
Meet and Assist Service at Airports (YQ)*
Experience exclusive benefits with our Meet and Assist Service at Airports.
- Enjoy discounts of up to 20% off retail rates at over 450 destinations globally
- Cardholders can book from here and the discount will be applied automatically
- Services must be booked at least 72 hours prior to your flight
Jumeirah Offers
Enjoy 25% discount when booking a Suite or Villa with your Travel Card.
- 25% off flexible rates
- Daily breakfast
- Unlimited access to Wild Wadi Waterpark for selected hotels
- Access to private beach and kids club
For details, please click here.
Avis Car Rental Offers
Enjoy Up to 35% off standard rates and 30% off retail rates with Avis Car Rental offers
- Up to 35% off on Standard Rates
- Up to 30% off on Retail Rates
For details, click here.
Accor Hotel Offers
Enjoy up to 33% off bookings at over 350 Accor hotels across Middle East, Africa, India, and Turkey.*
The Entertainer
Enjoy incredible experiences with The Entertainer! Download "Xperience with the ENTERTAINER" mobile application and register using your Travel Card to treat yourself to exclusive 2-for-1 deals on food and entertainment in addition to over 5,000 travel discounts.
For details, click here.
Key Information
Issuance Fee
SR 100
Replacement fee
SAR 50
Chargeback fee
SAR 50
Cash withdrawal fee
$6 or equivalent
Your Essential Financial Calculator
Your Age
18 Years
Salary
00,000
Employer Sector
Customer Type
Monthly payments
00,000
Credit Limit
Use the card as a credit card, by applying for a credit limit through SAIB Mobile Application.
Online Currency Conversion
No need to visit currency exchange stores any more, you can load and unload your card balance through our Internet Banking, Mobile Application, or Phone Banking.
No Exchange Rate Conversion
When you make purchases with any of the currencies added to your card, no additional exchange rates fees will be applied.
Competitive Exchange Rates & Contactless Payment Service
Pay your purchases easily and safely by swiping your card on POS devices at stores.
Fixed USD exchange rate (USD 1 = SAR 3.75).
Competitive exchange rates for other currencies.
Globally Accepted
Enjoy the flexibility of using your card that is acceptable at more than 30 million merchants.
Additional Cards for Your Family
Issue additional cards for your family members who love shopping and traveling, and let them enjoy the same benefits as yours!
You can request the additional card with a linked balance (sharing the same balance of the primary card) or a separate balance (independent from the primary card).
Full Digital Experience
Unlock the financial credit facilities of your Travel Card by activating the "Credit Limit" via the mobile application.
International Medical & Travel Assistance
With Travel Card, you can travel the world knowing that you will be in good hands:
- Telephone medical consultation
- Medical service provider referral
- Medical condition monitor before and after hospitalization
- Essential medicine and equipment delivery
For details, call +971(4)2536024
To check our terms and conditions click here.
Click here to download the Card Transaction Dispute Form.
To view the risks of Low-Limit Credit Cards , click here.
| General Fees (Whether the credit limit is active or not) | ||
|---|---|---|
| Issuance fee | SAR 100 | |
| Renewal fee | SAR 75 | |
| Replacement fee | SAR 50 | |
| Chargeback fee | SAR 50 | |
| Cash withdrawal fee |
| |
| Transfer (load/unload) fee | No transfer fee | |
| Foreign Currency Mark-up | 2% | |
| OIF for non-sufficient balance on the added currencies | 1% Debited from USD wallet | |
| Special Fees (If the credit limit is active) | |
|---|---|
| Tawarruq Profit Rate | 2.49% |
| Late Payment Fees | SAR 100 |
| Dispute Fees (False Dispute) | SAR 50 |
| Issuance fee | SAR 100 |
| Foreign Currency Mark-up | 2.75% |
| Minimum Payment Due | 5% or SAR 100 (whichever is higher) |
| Card Type | Travel Card (Credit Limit) |
| Credit Limit | 10,000 |
| Used Amount by customer | 7,000 |
| Tawarruq | 2.49% |
| Annual Fee | 75 SAR |
| Minimum Payment Due | 5% |
| (APR) Annual Percentage Rate | 39.77% |
| Period to pay total outstanding | 75 months |
*Only Travel Card fees apply, with no additional fees for the credit limit
**Above example is according to product terms and conditions as of 16 March 2023
 Swiss Franc - CHF |  Bahraini Dinar - BHD |
 Turkish Lira - TRY |  Canadian Dollar - CAD |
 Jordanian Dinar - JOD |  Chinese Yuan - CNY |
 Kuwaiti Dinar - KWD |  Egyptian Pound - EGP |
 Indonesian Rupiah - IDR |  Moroccan Dirham - MAD |
 Philippine Peso - PHP |  Indian Rupee - INR |
 Bosnian Mark – BAM |  Russian Ruble - RUB * Temporarily disabled |
 Australian dollar - AUD |  Danish Krona - DKK |
 Japanese Yen - JPY |  Norwegian Krone - NOK |
 New Zealand Dollars - NZD |  Omani Riyals - OMR |
 Swedish Krona - SEK |  Czech Koruna - CZK |
 Hong Kong Dollar – HKD |  Malaysian Ringgit – MYR |
 Tunisian Dinar |  Belarusian Ruble |
 Cambodian Riel |  Bulgarian Lev |
 Ethiopian Birr |  CFA Franc |
 Moldovan Leu |  Panamanian Balboa |
 Kazakhstani Tenge |  Vietnamese Dong |
 Kenyan Shilling |  Gibraltar Pound |
 Mongolian Tugrik - MNT |  Colombian Peso - COP |
 Central African CFA Franc - XAF |  The Central Pacific Franc - XPF |
 Peruvian Sol - PEN |  Eastren Caribbean Dollar - XCD |
 Cayman Island Dollar - KYD |  Djibouti Franc - DJF |
 Malagasy Ariary - MGA |  Chilean peso - CLP |
 Zambian Kwacha - ZMW |  Qatari riyal – QR |
 South African Rand- ZAR |  Mexican Peso - MXN |
 Polish Zloty - PLN |  Thai Baht - THB |
 Singapore Dollar - SGD |  South Korean Won - KRW |
 Azerbaijani Manat - AZN |  Georgian Lari - GEL |
 Ukrainian Hryvnia - UAH |  Sri Lankan Rupee - LKR |
 Brazilian Real - BRL |  Hungarian Forint - HUF |
 Croatian Kuna - HRK |  Mauritian Rupee - MUR |
 Romanian Leu - RON |  Taiwan Dollar - TWD |
 Lebanese Pound - LBP |  Pakistani Rupee - PKR |
 Kyrgyzstani Som - KGS |  Albanian Lek - ALL |
 Iceland Krona - ISK |  Maldivian Rufiyaa - MVR |
 Tanzanian Shilling |  Uzbekistani Som |
 Algerian Dinar |  Iraqi Dinar |
 Macau Pataca |  Ugandan Shilling |
 Seychellois Rupee |  Nigerian Naira |
 Serbian Dinar |  Ghanaian Cedi |
 Bahamian Dollar |  Tajikistani Somoni |
 Armenian Dram - AMD |  Paraguayan guaraní - PYG |
 Brunei Dollar - BND |  Honduran lempira - HNL |
 Aruban Florin - AWG |  Salvadoran Colón - SVC |
 Fijian dollar - FJD |  Rwandan Franc - RWF |
 Jamaican dollar - JMD |  Papua New Guinean Kina - PGK |
 Uruguayan peso - UYU |  Nepalese rupee - NPL |
 Macedonian denar - MKD |  Dominican peso - DOP |
The card is available for all SAIB account holders.
- Login to internet banking or mobile application
- Go to cards section then click on Travel Card
- Since it is a new card request, click on the “Card Request” option
- Once you approve the T&C, an issuance fee of SAR100 will be debited from your account. After that, your request will be processed immediately
- Once you receive your card, you should activate your card through internet banking or Mobile Application or by calling Phone Banking at 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas)
Yes, it is the first low limit multi-currency credit card launched in the Kingdom of Saudi Arabia which can be loaded with 100 different currencies to avoid the exchange rate fees.
Both primary and supplementary cards can be requested through internet banking or Mobile Application and the card will be delivered via courier with 5 business days. You may also issue it instantly through the self-service machine in the nearest SAIB branch
More than one Travel Card can be requested for your family members, which will be linked to your account and controlled by main account holder.
Whether I travel often or have a family member who travels often or lives abroad, the Travel Card will help me save significant amounts of money and avoid unnecessary exchange rate fees.
The card is issued with a credit limit of 1 USD.
No fees when loading your card.
No fees when unloading your card.
No need to visit currency exchange stores any more, Travel Card enables cardholders to load fund to their card through SAIB internet banking or Mobile Application and Phone Banking service.
Yes, there is a fee of SAR 25 for each additional currency as a onetime fee only.
- Login to the Internet Banking or Mobile Application
- Go to cards section then click on Travel Card
- Select adding additional currencies and choose the desired currencies
- After confirming the currencies, a fee of SAR 25 will be charged for each currency added and your request will be immediately processed
Yes, you can use the card around the world and if the currency is not added to your card, the transaction will be processed from the USD wallet at a competitive exchange rate.
Yes, you can.
Yes, you can unload money back into your SAIB account for free.
Your request will be approved immediately as there is no need to check your credit history.
You can withdraw up to SAR 5,000 from ATM machines.
There is no limit; you can use the all available amount in the card.
The maximum loading amount is USD 100,000 or it is equivalent in other currencies. This limit will be covering in all added currencies. You can load again at any time after using the amount.
You can view your PIN easily through the Travel Card page in the Internet Banking or Mobile Application.
All transactions done online using any SAIB card is supported by 3D secure (verified by visa) security feature.
- View card balances per wallet/currency
- View transactions history
- Load your card with various currencies from your SAIB account
- Unload funds from each wallet to your SAIB account
- Access 24/7 and emergency assistance for lost or stolen cards
In case of loss or theft of your card, immediately call 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas) to block your card and request a replacement card to be sent to you within 5 business days.
You can block the card temporarily or permanently through our mobile application, internet banking, or the phone banking service at: 8001248000
You can know more about the points earned by using WooW calculator by choosing the type of transaction and the number of points earned will appears, click here to use the calculator.
The credit limit is an added feature you can activate on your existing (usual) Travel Card. It gives you a new source of money (credit), so you can load the card either from your current account as usual, or from the card credit limit. To enjoy this feature, all you have to do is request the usual Travel Card and then activate the credit feature via the Bank’s Mobile Application.
- Login to your account in the Mobile Application
- From the home menu, choose “Cards” > “Travel Card”:
A. If you already have a Travel Card, click on “Request for a Travel Credit limit”.
B. If you do not have a Travel Card, click on “Card Request”, then agree to the Terms and Conditions and the Credit/SIMAH check.
Any transfer you make from your credit limit will be considered a Retail Transaction, where “Tawarruq” charges will accrue. You will only be charged with “Tawarruq” charges in case you do not make a payment, and there is an outstanding amount “Due amount” by your due date.